United Financial Bancorp Balance Sheet - Annual (NASDAQ:UBNK)

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$17.28 $0.4 (2.37%) UBNK stock closing price Dec 01, 2016 (Closing)

The fundamental analysis of this company requires a thorough look at United Financial Bancorp balance sheet. All three financial statements should be used to measure the financial performance of the company, and should form a part of the United Financial Bancorp stock analysis. A company releases its balance sheet every quarter along with its quarterly results. The United Financial Bancorp balance sheet for 2015 shows cash on hand of $47.6M. The cash has increased by $4.19M. United Financial Bancorp revenue was $228.83M and United Financial Bancorp operating cash flow was $50.77M. View latest and last 10 year balance sheet data to check United Financial Bancorp financial performance..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash47.6M43.41M20.3M19.96M44.76M16.69M22.79M19.24M18.61M21M
Marketable Securities47.57M43.53M24.92M15.34M0.3M44.01M0.8M0.29M5.38M1.38M
Receivables4.6B3.89B1.7B1.59B1.46B1.41B1.36B1.29B1.12B1.04B
Inventory10.13M8.22M0.42M5.29M-0.38M----
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
United Financial Bancorp Total Current Assets
4.71B3.99B1.75B1.63B1.51B1.48B1.38B1.31B1.14B1.06B
Property Plant & Equipment82.65M83.31M40.31M35.37M30.16M29.14M29.15M28.21M--
Accumulated Depreciation27.87M25.65M15.62M15.29M14.65M14.23M13.29M11.8M--
United Financial Bancorp Net Property Plant & Equipment
54.77M57.66M24.69M20.07M15.5M14.91M15.86M16.4M14.35M12.62M
Investment & Advances1.12B1.1B433.78M263.34M177.75M156.13M138.83M182.39M147.54M142.3M
Other Non-Current Assets0.75M2.23M1.52M2.84M3M0.99M3.06M---
Deferred Charges33.09M33.83M10.69M10.72M10.36M11.32M10.6M11.47M3.96M5.23M
Intangibles122.78M124.54M1.07M1.07M1.14M1.14M1.07M1.07M1.07M1.07M
Deposits & Other Assets184.08M171.75M81.46M68.29M36.77M17.8M17.08M10.39M15.6M11.39M
United Financial Bancorp Total Assets
6.23B5.48B2.3B2B1.75B1.68B1.57B1.53B1.33B1.23B
Notes Payable----------
Accounts Payable4.44B4.04B1.74B1.5B1.33B1.22B1.13B1.04B951.03M884.51M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses53.4M48.77M20.45M23.62M17.9M24.83M14.41M15.82M12.17M9.83M
Income Taxes Payable----------
Other Current Liabilities----------
United Financial Bancorp Total Current Liabilities
4.49B4.08B1.76B1.53B1.34B1.24B1.14B1.06B963.21M894.34M
Mortgages--------5.56M5.32M
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt1.11B790.31M246.57M149.88M71.73M267.55M270.18M328.95M201.85M178.11M
Non-Current Capital Leases----------
Other Long-Term Liabilities----------
United Financial Bancorp Total Liabilities
5.6B4.87B2B1.68B1.42B1.51B1.41B1.39B1.17B1.08B
Minority Interest----------
Preferred Stock----------
Common Stock Net519.58M514.18M243.77M243.77M243.77M85.24M85.24M85.24M85.24M85.24M
Capital Surplus10.72M16M15.8M13.41M15.18M4.78M4.08M3.38M3M1.85M
Retained Earnings112.01M84.85M96.07M91.81M90.7M90.64M82.97M75.98M81.38M76.06M
Treasury Stock--44.36M16.04M-9.49M9.66M9.7M7.29M-
Other Liabilities-16.8M-12.64M-11.91M-12.35M-16.2M-4.76M-5.21M-9.12M-5.97M-8.1M
United Financial Bancorp Shareholders Equity
625.52M602.4M299.38M320.61M333.47M166.42M157.42M145.77M156.37M155.06M
United Financial Bancorp Total Liabilities & Shareholders Equity
6.23B5.48B2.3B2B1.75B1.68B1.57B1.53B1.33B1.23B
All figures in USD. M: Millions of USD, B: Billions of USD.
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Most investors just check the United Financial Bancorp stock price, and United Financial Bancorp historical stock prices before investing. While share price is an important factor, one should also look at financials and valuation metrics like the United Financial Bancorp PE ratio chart. Below is a brief explanation of common balance sheet terms:
  • Assets: An asset is a resource that a corporation like United Financial Bancorp owns and has monetary significance. UBNK assets grew from $5.48B in 2014 to $6.23B in 2015 . Assets can be of two types: fixed assets like real estate, plant and machinery; and current assets which includes cash, accounts receivable etc. Tech stocks typically don't have too many assets.
  • Liabilities: This item on the balance sheet implies the firm's, in this case United Financial Bancorp's, legal obligations including loans, accounts payable, deferred revenue, accrued expenses and mortgages. The total liabilities for UBNK stock stand at $5.6B.
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United Financial Bancorp Balance Sheet - Key Ratios

Current ratio
1.05
Debt to Equity ratio
1.69
Asset Turnover
ratio
0.04
receivables turnover
ratio
0.05
PB ratio (
price to book ratio
)
1.3530