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

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$17.5 $0.17 (0.98%) UBNK stock closing price Dec 06, 2016 (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 is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. The income statement for UBNK which implies a QoQ revenue growth of $3.08M is specific to a period of time. Investors typically check YoY or QoQ 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 Common6.046.02--------
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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The key things to look for in an income statement while doing United Financial Bancorp stock analysis are:
  • Topline: A growing topline, as seen from the United Financial Bancorp revenue chart, as is the case with United Financial Bancorp indicates a growing business. One needs to compare the QoQ or YoY topline growth of UBNK stock with its peers like WASH stock and SASR stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $14.16M for United Financial Bancorp for 2016-Q3. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
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)
19.4440
PS ratio (
price sales ratio
)
3.6639
Operating margin
30.9
Net profit margin
23.1
Dividend yield
2.74%