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

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$14.57 $0.13 (0.9%) UBNK stock closing price Oct 21, 2016 (Closing)

For analyzing any company like United Financial Bancorp from an investment perspective, its important to check the cash flow statement. 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. Items like capital purchases, bank loan payments etc. which have a direct impact on the cash position of a company come out through the statemement of cash flows and help an investor who undertakes the United Financial Bancorp stock analysis. United Financial Bancorp generated $-13.51M cash from operating activities in 2016-Q2. United Financial Bancorp has a positive cash and cash equivalents change of $2.26M. View details of United Financial Bancorp cash flows for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1
United Financial Bancorp Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow4.64M1.2M-0.02M-0.78M-0.68M-0.56M-2.69M-2.38M-1.37M1.36M
Net Increase (Decrease) in Assets Liabilities1.01M-25.63M-16.38M-17.18M-26.48M-9.88M-39.89M-28.01M-36.74M-7.5M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net-40.12M5.32M17.54M13.39M4.91M1.1M26.04M13.91M11.73M0.59M
United Financial Bancorp Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment0.27M0.24M-0.54M-2.99M-0.62M-0.72M-8.52M-6.67M-1.07M-0.98M
Acquisition Disposition of Subsidiaires------25.41M25.41M25.41M-
Increase (Decrease) in Investments2.18M-26.65M-33.91M-37.21M-19.92M-33.61M-293.04M-253.62M-189.17M-36.31M
Other Cash Inflow (Outflow) from Investment Activities-119.26M-35.89M-713.51M-307.08M-172.26M-6.23M-319.58M-211.98M-110.31M-44.27M
United Financial Bancorp Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares2.52M1.07M-0.4M-2.56M-3.34M-5.11M-45M-1.63M-0.2M0.08M
Issuance (Repayment) of Debt Securities22.51M15.97M127.25M60.67M16.54M-24.54M70.05M89.02M-4.19M-4.66M
Increase (Decrease) in Bank & Other Borrowings100.51M-46.83M196.72M52.3M35.16M-49.18M280.38M72.03M63.47M7.52M
Payment of Dividends & Other Cash Distributions-12.01M-5.99M-22.47M-16.8M-10.86M-4.92M-18M-13.12M-7.85M-2.58M
Other Cash from (used by) Financing Activities19.04M97.34M404.34M229.88M148.8M123.08M359.8M351.45M299.13M73.23M
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 End97.44M87.23M95.17M98.31M84.52M89.36M86.95M84.98M89.42M32.64M
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.
  • United Financial Bancorp has cash of $97.44M 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: United Financial Bancorp reported a negative operating cash flow of $-13.51M for 2016-Q2 and has seen a decrease from the previous quarter. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Cash from investing stood at a negative value of $-116.8M 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: The cash inflow/outflow from financing activities was $132.58M for United Financial Bancorp. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For United Financial Bancorp Cash Flow

FCF margin