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

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

Looking at financial statements, along with the United Financial Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement for UBNK which implies a QoQ revenue decline of $2.15M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. 2016-Q2 revenue is $58.15M and has decreased from $60.3M quarter on quarter 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) View details of revenue and profits for United Financial Bancorp 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 Sales or Revenues
Cost Of Goods Sold (COGS)6.38M6.26M5.81M5.31M5.58M4.74M4.27M3.99M3.14M2.15M
United Financial Bancorp Gross Profit
Research & Development Expense----------
Selling General & Admin Expense37.9M36.01M37.08M34.69M34.37M31.68M38.8M33.06M26.99M16.87M
Income Before Depreciation Depletion Amortization13.86M18.01M15.32M17.42M18.12M18.7M8.16M14.22M16.94M3.87M
Depreciation Depletion Amortization0.4M0.43M0.44M0.43M0.44M0.48M0.48M0.48M0.32M-
Non Operating Income--1.57M---10.15M4M20.94M1.82M
Interest Expense3.74M3.9M3.23M2.66M2.22M2.21M2.06M1.01M0.74M0.63M
United Financial Bancorp Pretax Income
Provision for Income Taxes0.66M1.78M0.17M0.95M2.12M2.98M-5.93M-1.27M0.51M0.46M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations9.06M11.89M9.9M13.38M13.33M13.03M1.42M9.99M-5.57M0.95M
Extraordinary Items & Discontinued Operations----------
United Financial Bancorp Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS49.95M49.65M49.62M49.43M49.31M49.28M51.09M52.75M43.18M25.68M
Average Shares used to compute Basic EPS49.62M49.42M49.16M48.93M48.84M48.72M50.33M52.16M43.18M25.27M
Income Before Nonrecurring Items9.06M11.89M11.3M13.38M13.33M13.03M8.32M10.45M5.81M2.15M
Income from Nonrecurring Items---1.4M----6.9M-0.47M-11.38M-1.2M
United Financial Bancorp Earnings Per Share Basic Net
United Financial Bancorp Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.
Preferred Dividends Acc Pd----------
Dividends Common6.02---------
Dividend Per Share Common0.
All figures in USD. M: Millions of USD, B: Billions of USD.

The key things to look for in an income statement while doing United Financial Bancorp stock analysis are:
  • Revenue: The money received by selling of goods or services comes under this line item. A QoQ growth (See: United Financial Bancorp revenue chart) implies that the company is growing, which has not been the case with United Financial Bancorp. One must stay away from stocks whose revenues are declining.
  • 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 $9.06M for United Financial Bancorp for 2016-Q2. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
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