United Financial Bancorp Annual Income Statement (NASDAQ:UBNK)

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$14.96 $0.39 (2.68%) UBNK stock closing price Oct 24, 2016 (Closing)

UBNK stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the United Financial Bancorp stock price. An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. Like any other income statement, the UBNK income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue growth of $56.35M when compared to the same period in the past. Along with United Financial Bancorp assets and United Financial Bancorp free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have increased from $6.78M YoY and 2015 revenue is $228.83M. United Financial Bancorp revenue for 2015 is $228.83M. View revenue and profit details for latest and last 10 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 Sales or Revenues
Cost Of Goods Sold (COGS)21.44M13.55M7.99M8.73M11.25M11.61M19.37M25.06M27.08M19.9M
United Financial Bancorp Gross Profit
Research & Development Expense----------
Selling General & Admin Expense137.82M115.72M62.37M59.28M55.59M43.95M38.59M36.15M31.05M30.7M
Income Before Depreciation Depletion Amortization69.56M43.19M24.2M24.64M23.49M29.52M25.07M7.33M20.94M17.96M
Depreciation Depletion Amortization1.79M1.28M--------
Non Operating Income1.57M36.91M2.14M-------
Interest Expense10.32M4.44M2.46M2.21M6.21M10.54M10.4M9.87M8.49M7.74M
United Financial Bancorp Pretax Income
Provision for Income Taxes6.22M-6.23M5.36M6.63M3.73M6.73M4.93M-0.95M4.11M3.36M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations49.64M6.78M14.22M15.79M7.09M12.25M9.73M-1.58M8.32M6.85M
Extraordinary Items & Discontinued Operations----------
United Financial Bancorp Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS49.39M43.27M26.43M28.03M28.69M28.21M18.47M--28.6M
Average Shares used to compute Basic EPS48.91M42.83M26.06M27.8M28.59M28.12M18.47M--28.6M
Income Before Nonrecurring Items51.04M26.73M16.3M15.8M16.16M12.25M9.73M--6.6M
Income from Nonrecurring Items-1.4M-19.95M-2.07M--9.07M-----
United Financial Bancorp Earnings Per Share Basic Net
United Financial Bancorp Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items1.030.620.620.560.570.440.53--0.23
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.460.400.400.520.
All figures in USD. M: Millions of USD, B: Billions of USD.

It is very helpful to read a report on United Financial Bancorp stock analysis. An investor must check the following items in an income statement:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that UBNK stock has a topline or revenue of $228.83M for 2015 as per this United Financial Bancorp revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $228.83M - other expenses = $49.64M for UBNK stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the United Financial Bancorp historical stock prices to check how the price has moved with time. .

United Financial Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield