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

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$14.78 $0.21 (1.44%) UBNK stock closing price Oct 27, 2016 (Closing)

The financial analysis of UBNK requires an investor to check the cash flows for United Financial Bancorp. In simple terms, the cash flow statement measures the cash that has come into the company, and the cash that has gone out during a given period, while the other statements, the income statement and balance sheet, give details about United Financial Bancorp profits and United Financial Bancorp debt. The cash flow statement is essetial while conducting the United Financial Bancorp cash flow analysis and can be used to measure the operating performance of United Financial Bancorp compared to various industry peers like FCF stock and SQBK stock. 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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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
United Financial Bancorp Net Income Cash Flow
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
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
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
Effect of Exchange Rate Changes on Cash----------
United Financial Bancorp Net Change in Cash & Cash Equivalents
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.

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.
  • Net Change in Cash and Cash Equivalents: United Financial Bancorp cash grew YoY to $49.64M, meaning the company is able to meet its expenditure and grow cash which will also eventually reflect in the United Financial Bancorp stock price movement.
  • 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.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-747.97M for UBNK stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash flow from financing activities shows the flow of cash between United Financial Bancorp and its owners and creditors and was $705.43M for 2015. Financing activities allow a company to raise capital, and repay bondholders.

Key Financial Ratios For United Financial Bancorp Cash Flow

FCF margin