United Financial Bancorp Cash Flow - Annual (NASDAQ:UBNK)

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

The United Financial Bancorp cash flow statement is one of the three reports that the company generates every quarter. While its important to look at the United Financial Bancorp debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as United Financial Bancorp revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. United Financial Bancorp had cash and cash equivalents of $86.95M at beginning of year and $95.17M at year end for 2015. United Financial Bancorp cash flow analysis tells whether or not the company has enough cash for its day to day activities, and for investing for future growth. United Financial Bancorp saw a outflow of $152.23M from investing activities for 2015. View details of United Financial Bancorp cash flows for latest & last ten financial years.

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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
United Financial Bancorp Net Income Cash Flow
49.64M6.78M14.22M15.79M7.09M12.25M9.73M-1.58M8.32M6.85M
Depreciation Depletion Amortization Cash-Flow-0.02M-2.69M4.56M3.45M2.58M2.06M1.44M1.44M1.46M1.46M
Net Increase (Decrease) in Assets Liabilities-16.38M-39.89M-0.1M-2.23M-3.97M9.25M-2.71M1.9M0.57M-0.63M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net17.54M26.04M5.08M4.06M10.67M4.88M1.91M14.02M2.5M3.86M
United Financial Bancorp Net Cash from (used by) Operating Activities
50.77M-9.76M23.76M21.08M16.37M28.46M10.38M15.78M12.87M11.54M
Increase (Decrease) in Prop Plant And Equipment-0.54M-8.52M-7.1M-3.85M-1.08M4.65M-1.1M--3.14M-2.62M
Acquisition Disposition of Subsidiaires-25.41M--------
Increase (Decrease) in Investments-33.91M-293.04M-180.77M-82.98M-28.17M-16.82M46.24M-48.65M-88.33M-177.75M
Other Cash Inflow (Outflow) from Investment Activities-713.51M-319.58M-113.5M-160.11M-73.13M-57.83M-75.01M-181.52M--
United Financial Bancorp Net Cash from (used by) Invesment Activities
-747.97M-595.74M-301.38M-246.95M-102.38M-69.99M-29.87M-230.18M-91.47M-180.37M
Issuance (Purchase) of Equity Shares-0.4M-45M-29.22M-21.21M160.97M--0.19M-4.11M-7.17M-1.77M
Issuance (Repayment) of Debt Securities127.25M70.05M33.01M16.22M-204.45M12.62M-8.07M83.14M23.87M47.76M
Increase (Decrease) in Bank & Other Borrowings196.72M280.38M63.67M61.92M-0.27M-15.25M-50.69M38.5M--
Payment of Dividends & Other Cash Distributions-22.47M-18M-10.45M-14.37M-7.03M-4.53M-3.68M-3.69M-3M-1.5M
Other Cash from (used by) Financing Activities
United Financial Bancorp Net Cash from (used by) Financing Activities
705.43M647.22M287.53M220.19M66.28M82.93M23.89M205.31M80.22M167.6M
Effect of Exchange Rate Changes on Cash----------
United Financial Bancorp Net Change in Cash & Cash Equivalents
8.22M41.71M9.92M-5.67M-19.72M41.4M4.4M-9.09M1.61M-1.23M
Cash & Equivalents at Beginning of Year86.95M45.23M35.31M40.98M60.7M19.3M14.9M23.99M22.38M23.61M
Cash & Equivalents at Year End95.17M86.95M45.23M35.31M40.98M60.7M19.3M14.9M23.99M22.38M
All figures in USD. M: Millions of USD, B: Billions of USD.
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The statement of cash flows comprises of cash flow from financing, cash flow from operations and cash flow from investing activities. All the three can have an impact on the stock price. The United Financial Bancorp stock price history and United Financial Bancorp stock comparison chart inevitably reflect its cash flow situation.
  • United Financial Bancorp had a Net Change in Cash and Cash Equivalents of $8.22M for the latest year 2015. If a firm is able to grow its cash, it is considered to be a positive signal and could lead to a jump in the United Financial Bancorp stock price , albeit too much cash on hand can imply the company has no or limited avenues for growth in which to invest this cash.
  • The cash generated from the core business or operations was positive at $50.77M for United Financial Bancorp in the latest year. For an internet company, this would include all those activities which are involved in eventually selling advertisement space on its website or any online service.
  • Cash from investing stood at a negative value of $-747.97M for UBNK stock. A company with surplus cash usually thinks of re-investing it in the form of buying fixed assests, or purchasing plant/ machinery which will help grow the business further. By looking at cash flow from investment activities one can check where the company is putting its cash.
  • Cash Flow from financing activities: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. United Financial Bancorp earned $58.21M from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.
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Key Financial Ratios For United Financial Bancorp Cash Flow

FCF margin
-0.56