United Financial Bancorp Balance Sheet - Annual (NASDAQ:UBNK)

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$17.48 $0.15 (0.87%) UBNK stock closing price Jul 16, 2018 (Closing)

The financial analysis of a company involves interpreting the income statement, balance sheet and cash flow statements of the company to draw insights like we've done in our United Financial Bancorp stock analysis. How cash on hand has increased or decreased is one of the many indicators used while undertaking the United Financial Bancorp stock analysis, and provides insights into the firm's financial performance. Annual results are typically accompanied with the company releasing financial statements. Apart from analyzing United Financial Bancorp revenue United Financial Bancorp operating cash flow, one needs to check balance sheet items like cash, fixed assets and debt. The United Financial Bancorp balance sheet for 2017 shows cash on hand of $56.66M. The company has a debt to equity ratio of 1.5.

View latest 10 year balance sheet data to check United Financial Bancorp financial performance.
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Quarterly
Annual
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
Cash56.66M47.24M47.6M43.41M20.3M19.96M44.76M16.69M22.79M19.24M
Marketable Securities32M43.69M47.57M43.53M24.92M15.34M-44.01M--
Receivables5.33B4.89B4.6B3.89B1.7B1.59B1.46B1.41B1.36B1.29B
Inventory114.07M62.51M10.13M8.22M-5.29M----
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Total Current Assets
5.53B5.04B4.71B3.99B1.75B1.63B1.51B1.48B1.38B1.31B
Property Plant & Equipment105.16M84.07M82.65M83.31M40.31M35.37M30.16M29.14M29.15M28.21M
Accumulated Depreciation37.66M32.31M27.87M25.65M15.62M15.29M14.65M14.23M13.29M11.8M
Net Property Plant & Equipment
67.5M51.75M54.77M57.66M24.69M20.07M15.5M14.91M15.86M16.4M
Investment & Advances1.11B1.11B1.12B1.1B433.78M263.34M177.75M156.13M138.83M182.39M
Other Non-Current Assets---2.23M1.52M2.84M3M-3.06M-
Deferred Charges25.65M39.96M33.09M33.83M10.69M10.72M10.36M11.32M10.6M11.47M
Intangibles119.77M121.18M122.78M124.54M1.07M1.07M1.14M1.14M1.07M1.07M
Deposits & Other Assets253.89M232.9M184.08M171.75M81.46M68.29M36.77M17.8M17.08M10.39M
Total Assets
7.11B6.6B6.23B5.48B2.3B2B1.75B1.68B1.57B1.53B
Notes Payable----------
Accounts Payable5.2B4.71B4.44B4.04B1.74B1.5B1.33B1.22B1.13B1.04B
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses50.01M49.5M53.4M48.77M20.45M23.62M17.9M24.83M14.41M15.82M
Income Taxes Payable----------
Other Current Liabilities----------
Total Current Liabilities
5.25B4.76B4.49B4.08B1.76B1.53B1.34B1.24B1.14B1.06B
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt1.17B1.18B1.11B790.31M246.57M149.88M71.73M267.55M270.18M328.95M
Non-Current Capital Leases----------
Other Long-Term Liabilities----------
Total Liabilities
6.42B5.94B5.6B4.87B2B1.68B1.42B1.51B1.41B1.39B
Minority Interest----------
Preferred Stock----------
Common Stock Net537.57M531.84M519.58M514.18M243.77M243.77M243.77M85.24M85.24M85.24M
Capital Surplus4.71M7.22M10.72M16M15.8M13.41M15.18M4.78M4.08M3.38M
Retained Earnings168.34M137.83M112.01M84.85M96.07M91.81M90.7M90.64M82.97M75.98M
Treasury Stock----44.36M16.04M-9.49M9.66M9.7M
Other Liabilities-17.3M-21.04M-16.8M-12.64M-11.91M-12.35M-16.2M-4.76M-5.21M-9.12M
Shareholders Equity693.32M655.86M625.52M602.4M299.38M320.61M333.47M166.42M157.42M145.77M
Total Liabilities & Shareholders Equity7.11B6.6B6.23B5.48B2.3B2B1.75B1.68B1.57B1.53B
All figures in USD. M: Millions of USD, B: Billions of USD.
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Apart from balance sheet items, an investor would do well to keep track of the United Financial Bancorp stock price by looking at United Financial Bancorp historical stock prices. One can compare PE with industry average by looking at the United Financial Bancorp PE ratio chart. The common balance sheet items are:

  • Assets: Anything that the United Financial Bancorp company owns and is a part of its books. Assets can be of three types: fixed, current and other assets which includes intangibles, advances. Internet companies typically don't have a lot of assets as there is not much investment in say machinery, equipment etc. United Financial Bancorp had total assets of $7.11B.
  • Liabilities or obligations comprise of current liabilities that include short term loans, amounts payable to suppliers, or any other outstanding payments including long term liabilities that take into account long term loans for funding large projects. The total liabilities for United Financial Bancorp is $6.42B. Shareholders' equity comes under liabilities as it is money the company owes the holders of UBNK stock.

United Financial Bancorp Balance Sheet - Key Ratios

Current ratio
1.03
Debt to equity ratio
1.5
Asset turnover ratio
0.04
Receivables turnover
0.05
Price to book ratio
1.28