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

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$16.49 $0.24 (1.43%) UBNK stock closing price Mar 29, 2017 (Closing)

A thorough fundamental analysis involves using data from United Financial Bancorp balance sheet, apart from other financial statements, to value the business. A balance sheet can help evaluate the financial performance of a company. Ratios like return on total assets and current ratio, which also uses cash on hand can be used to measure the operating efficiency of a firm, and can be used to conduct a more accurate United Financial Bancorp stock analysis. A company releases its balance sheet every quarter along with its quarterly results. United Financial Bancorp had a long term debt of $1.11B at the end of 2015. United Financial Bancorp operating cash flow was $50.77M while United Financial Bancorp revenue stood at $242.24M. 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
Cash47.6M43.41M20.3M19.96M44.76M16.69M22.79M19.24M18.61M
Marketable Securities47.57M43.53M24.92M15.34M0.3M44.01M0.8M0.29M5.38M
Receivables4.6B3.89B1.7B1.59B1.46B1.41B1.36B1.29B1.12B
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
4.71B3.99B1.75B1.63B1.51B1.48B1.38B1.31B1.14B
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
54.77M57.66M24.69M20.07M15.5M14.91M15.86M16.4M14.35M
Investment & Advances1.12B1.1B433.78M263.34M177.75M156.13M138.83M182.39M147.54M
Other Non-Current Assets0.75M2.23M1.52M2.84M3M0.99M3.06M--
Deferred Charges33.09M33.83M10.69M10.72M10.36M11.32M10.6M11.47M3.96M
Intangibles122.78M124.54M1.07M1.07M1.14M1.14M1.07M1.07M1.07M
Deposits & Other Assets184.08M171.75M81.46M68.29M36.77M17.8M17.08M10.39M15.6M
United Financial Bancorp Total Assets
6.23B5.48B2.3B2B1.75B1.68B1.57B1.53B1.33B
Notes Payable---------
Accounts Payable4.44B4.04B1.74B1.5B1.33B1.22B1.13B1.04B951.03M
Current Portion Long-Term Debt---------
Current Portion Capital Leases---------
Accrued Expenses53.4M48.77M20.45M23.62M17.9M24.83M14.41M15.82M12.17M
Income Taxes Payable---------
Other Current Liabilities---------
United Financial Bancorp Total Current Liabilities
4.49B4.08B1.76B1.53B1.34B1.24B1.14B1.06B963.21M
Mortgages--------5.56M
Deferred Taxes/Income---------
Convertible Debt---------
Long-Term Debt1.11B790.31M246.57M149.88M71.73M267.55M270.18M328.95M201.85M
Non-Current Capital Leases---------
Other Long-Term Liabilities---------
United Financial Bancorp Total Liabilities
5.6B4.87B2B1.68B1.42B1.51B1.41B1.39B1.17B
Minority Interest---------
Preferred Stock---------
Common Stock Net519.58M514.18M243.77M243.77M243.77M85.24M85.24M85.24M85.24M
Capital Surplus10.72M16M15.8M13.41M15.18M4.78M4.08M3.38M3M
Retained Earnings112.01M84.85M96.07M91.81M90.7M90.64M82.97M75.98M81.38M
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
United Financial Bancorp Shareholders Equity
625.52M602.4M299.38M320.61M333.47M166.42M157.42M145.77M156.37M
United Financial Bancorp Total Liabilities & Shareholders Equity
6.23B5.48B2.3B2B1.75B1.68B1.57B1.53B1.33B
All figures in USD. M: Millions of USD, B: Billions of USD.
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Apart from balance sheet items, an investor would do well to keep track of the United Financial Bancorp stock price by looking at United Financial Bancorp historical stock prices. One can compare PE with industry average by looking at the United Financial Bancorp PE ratio chart. The common balance sheet items are:
  • 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 or obligations comprise of current liabilities that include short term loans, amounts payable to suppliers, or any other outstanding payments including long term liabilities that take into account long term loans for funding large projects. The total liabilities for United Financial Bancorp is $5.6B. Shareholders' equity comes under liabilities as it is money the company owes the holders of UBNK stock.
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United Financial Bancorp Balance Sheet - Key Ratios

Current ratio
1.06
Debt to Equity ratio
1.8
Asset Turnover
ratio
0.04
receivables turnover
ratio
0.05
PB ratio (
price to book ratio
)
1.3030