United Financial Bancorp Income Statement - Quarterly (NASDAQ:UBNK)

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$17.02 $0.2 (1.16%) UBNK stock closing price Jan 19, 2017 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the United Financial Bancorp stock price. 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. The income statement is generated for a specific period of time. The revenue increase of $61.23M for 2016-Q3 impacts the UBNK stock. Investors typically check year over year or quarter over quarter revenue growth. The United Financial Bancorp profit and loss statement for 2016-Q3 shows a profit of $14.16M. Profits have grown from $9.06M QoQ. Apart from this an investor should also check United Financial Bancorp assets and United Financial Bancorp free cash flow. View details of revenue and profits for United Financial Bancorp for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
United Financial Bancorp Net Sales or Revenues
61.23M58.15M60.3M58.18M57.44M58.08M55.13M51.21M51.28M47.09M
Cost Of Goods Sold (COGS)6.27M6.38M6.26M5.81M5.31M5.58M4.74M4.27M3.99M3.14M
United Financial Bancorp Gross Profit
54.94M51.77M54.03M52.39M52.12M52.49M50.39M46.95M47.28M43.94M
Research & Development Expense----------
Selling General & Admin Expense35.61M37.9M36.01M37.08M34.69M34.37M31.68M38.8M33.06M26.99M
Income Before Depreciation Depletion Amortization19.32M13.86M18.01M15.32M17.42M18.12M18.7M8.16M14.22M16.94M
Depreciation Depletion Amortization0.38M0.4M0.43M0.44M0.43M0.44M0.48M0.48M0.48M0.32M
Non Operating Income---1.57M---10.15M4M20.94M
Interest Expense4.02M3.74M3.9M3.23M2.66M2.22M2.21M2.06M1.01M0.74M
United Financial Bancorp Pretax Income
14.91M9.72M13.67M10.07M14.33M15.45M16.01M-4.53M8.71M-5.05M
Provision for Income Taxes0.75M0.66M1.78M0.17M0.95M2.12M2.98M-5.93M-1.27M0.51M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations14.16M9.06M11.89M9.9M13.38M13.33M13.03M1.42M9.99M-5.57M
Extraordinary Items & Discontinued Operations----------
United Financial Bancorp Net Income (Profit/Loss)
14.16M9.06M11.89M9.9M13.38M13.33M13.03M1.42M9.99M-5.57M
Average Shares used to compute Diluted EPS50.09M49.95M49.65M49.62M49.43M49.31M49.28M51.09M52.75M43.18M
Average Shares used to compute Basic EPS49.8M49.62M49.42M49.16M48.93M48.84M48.72M50.33M52.16M43.18M
Income Before Nonrecurring Items14.16M9.06M11.89M11.3M13.38M13.33M13.03M8.32M10.45M5.81M
Income from Nonrecurring Items----1.4M----6.9M-0.47M-11.38M
United Financial Bancorp Earnings Per Share Basic Net
0.280.180.240.200.270.270.270.030.19-0.13
United Financial Bancorp Earnings Per Share Diluted Net
0.280.180.240.200.270.270.260.030.19-0.13
EPS Diluted Before Nonrecurring Items0.280.180.240.230.270.270.260.160.200.13
Preferred Dividends Acc Pd----------
Dividends Common6.04---------
Dividend Per Share Common0.120.120.120.120.120.120.100.100.100.10
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 $61.23M for 2016-Q3 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 $61.23M - other expenses = $14.16M 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)
18.9110
PS ratio (
price sales ratio
)
3.5634
Operating margin
30.9
Net profit margin
23.1
Dividend yield
2.82%