United Financial Bancorp Cash Flow - Annual (NASDAQ:UBNK)

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$17.81 $0.42 (2.42%) UBNK stock closing price Jul 18, 2018 (Closing)

For analyzing any company like United Financial Bancorp from an investment perspective, its important to check the cash flow statement. The profit-loss statement shows United Financial Bancorp profits, the balance sheet shows United Financial Bancorp debt, and the cash flow statement reflects the liquidity and solvency of a firm. This statement reflects the company's ability to generate cash flows. This statement can tell if a company is running out of money while still being profitable and is useful in United Financial Bancorp stock analysis. United Financial Bancorp had a positive net income cash flow of $54.61M for the latest 2017. This report is very useful in measuring the short term viability of a company. United Financial Bancorp had an inflow of $13.14M from operating activities, $454.66M inflow due to financing activities, and $-470.08M outflow due to investing activities for 2017.

View details of United Financial Bancorp cash flows for latest & last 10 financial years
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Quarterly
Annual
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
Net Income Cash Flow
54.61M49.66M49.64M6.78M14.22M15.79M7.09M12.25M9.73M-1.58M
Depreciation Depletion Amortization Cash-Flow11.4M10.34M-0.02M-2.69M4.56M3.45M2.58M2.06M1.44M1.44M
Net Increase (Decrease) in Assets Liabilities-76.59M-71.87M-16.38M-39.89M-0.1M-2.23M-3.97M9.25M-2.71M1.9M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net23.71M11.56M17.54M26.04M5.08M4.06M10.67M4.88M1.91M14.02M
Net Cash from (used by) Operating Activities
13.14M-0.31M50.77M-9.76M23.76M21.08M16.37M28.46M10.38M15.78M
Increase (Decrease) in Prop Plant And Equipment-22.09M-0.62M-0.54M-8.52M-7.1M-3.85M-1.08M4.65M-1.1M-
Acquisition Disposition of Subsidiaires---25.41M------
Increase (Decrease) in Investments-2.2M3.55M-33.91M-293.04M-180.77M-82.98M-28.17M-16.82M46.24M-48.65M
Other Cash Inflow (Outflow) from Investment Activities-445.79M-335.42M-713.51M-319.58M-113.5M-160.11M-73.13M-57.83M-75.01M-181.52M
Net Cash from (used by) Investment Activities
-470.08M-332.49M-747.97M-595.74M-301.38M-246.95M-102.38M-69.99M-29.87M-230.18M
Issuance (Purchase) of Equity Shares1.14M6.27M-0.4M-45M-29.22M-21.21M160.97M--0.19M-4.11M
Issuance (Repayment) of Debt Securities118.96M-104.08M127.25M70.05M33.01M16.22M-204.45M12.62M-8.07M83.14M
Increase (Decrease) in Bank & Other Borrowings-128.3M174.62M196.72M280.38M63.67M61.92M-0.27M-15.25M-50.69M38.5M
Payment of Dividends & Other Cash Distributions-24.11M-23.83M-22.47M-18M-10.45M-14.37M-7.03M-4.53M-3.68M-3.69M
Other Cash from (used by) Financing Activities486.97M275.59M404.34M359.8M230.52M177.63M117.07M90.1M86.55M91.47M
Net Cash from (used by) Financing Activities
454.66M328.57M705.43M647.22M287.53M220.19M66.28M82.93M23.89M205.31M
Effect of Exchange Rate Changes on Cash----------
Net Change in Cash & Cash Equivalents
-2.27M-4.23M8.22M41.71M9.92M-5.67M-19.72M41.4M4.4M-9.09M
Cash & Equivalents at Beginning of Year90.94M95.17M86.95M45.23M35.31M40.98M60.7M19.3M14.9M23.99M
Cash & Equivalents at Year End88.66M90.94M95.17M86.95M45.23M35.31M40.98M60.7M19.3M14.9M
All figures in USD. M: Millions of USD, B: Billions of USD.
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The statement of cash flows comprises of cash flow from financing, cash flow from operations and cash flow from investing activities. All the three can have an impact on the stock price. The United Financial Bancorp stock price history and United Financial Bancorp stock comparison chart inevitably reflect its cash flow situation.

  • Net Change in Cash and Cash Equivalents: A positive net change in cash and cash equivalents shows that United Financial Bancorp is able to meet its expenditure and grow cash at hand which demonstrates the financial strength of the company's balance sheet. Also see - United Financial Bancorp stock price movement.
  • Cash Flow from operating activities: Operating activities include the core business activities. This line item refers to the cash generated from the same and stood at a positive value of $13.14M for UBNK.
  • Growth companies, typically most tech companies; spend heavily on investing activities and this figure stood at $-470.08M for UBNK stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $454.66M for United Financial Bancorp. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For United Financial Bancorp Cash Flow

FCF margin
0.94