United Financial Bancorp Annual Income Statement (NASDAQ:UBNK)

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

Financial analysis of United Financial Bancorp involves more than just checking the United Financial Bancorp stock price, by looking at the financial statements of the company in detail. The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. 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. 2015 revenue is $228.83M and has increased from $172.48M year on year as is evident when you compare the latest figures in the latest United Financial Bancorp profit and loss statement with those of the prior corresponding period. (See also:United Financial Bancorp assets and United Financial Bancorp free cash flow) 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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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 Sales or Revenues
228.83M172.48M94.56M92.65M90.33M85.1M83.03M68.55M79.07M68.57M
Cost Of Goods Sold (COGS)21.44M13.55M7.99M8.73M11.25M11.61M19.37M25.06M27.08M19.9M
United Financial Bancorp Gross Profit
207.39M158.92M86.57M83.92M79.08M73.48M63.66M43.48M51.99M48.66M
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
55.86M0.54M19.59M22.43M10.83M18.98M14.66M-2.54M12.44M10.22M
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)
49.64M6.78M14.22M15.79M7.09M12.25M9.73M-1.58M8.32M6.85M
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
1.010.160.550.570.250.440.53-0.050.280.23
United Financial Bancorp Earnings Per Share Diluted Net
1.000.160.540.560.250.440.53--0.23
EPS Diluted Before Nonrecurring Items1.030.620.620.560.570.440.53--0.23
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.460.400.400.520.250.160.130.130.110.05
All figures in USD. M: Millions of USD, B: Billions of USD.
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Before investing one should read a report on United Financial Bancorp stock analysis. It helps to look at the following income statement items:
  • 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 statement of revenue and expense. The financials along with United Financial Bancorp historical stock prices provides a lot of details about the firm. .

United Financial Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
18.9780
PS ratio (
price sales ratio
)
3.5760
Operating margin
30.9
Net profit margin
23.1
Dividend yield
2.81%