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

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$17.08 $0.06 (0.35%) UBNK stock closing price Jan 20, 2017 (Closing)

The financial analysis of UBNK requires an investor to check the cash flows for United Financial Bancorp. 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 cash flow analysis is possible because this statement breaks down how balance sheet accounts and income statement items affect cash and cash equivalents.  United Financial Bancorp had cash and cash equivalents of $86.95M at the beginning of the year and $95.17M at year end for 2015.   UBNK decrease in investments stood at a negative value of $-747.97M for the latest 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
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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United Financial Bancorp stock comparison chart provides an easy way to compare the stock price with peers along with details of United Financial Bancorp stock price history.
The statement of cash flows can be categorized into three main sections:
  • United Financial Bancorp has cash of $95.17M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the United Financial Bancorp stock price.
  • Cash Flow from operating activities: This is the cash that the company receives from ongoing operations. United Financial Bancorp gained $60.53M cash from operations. It is important to check this to see where the company is getting its money from.
  • 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.
  • Inflow of cash in the form of bank loans and shareholders equity, and outflow of cash because of dividend payments, share repurchase payments etc. come under financing activities. The cash generated from these activities was $705.43M for United Financial Bancorp.
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Key Financial Ratios For United Financial Bancorp Cash Flow

FCF margin
-0.56