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  • UNITED FINANCIAL BANCORP INC Financial Overview

  • Income Statement: UBNK
      2008 2007 Change ( 2007 - 2008  )
    Net Sales/Revenues 71.41 M 64.98 M 6.43 M 9.00%
    Gross Profit — — — —%
    Net Income Before Extra Items/Preferred Div 7.30 M 4.38 M 2.92 M 40.02%
    Operating Income 13.87 M 7.44 M 6.43 M 46.38%
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  • Cash Flow: UBNK
      2008 2007 Change ( 2007 - 2008  )
    Net Cash Flow - Financing 167.15 M 54.45 M 112.70 M 67.43%
    Net Cash Flow - Investing 178.59 M 75.20 M 103.39 M 57.89%
    Net Cash Flow/Operating Activities 10.76 M 9.59 M 1.17 M 10.87%
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  • Balance Sheet: UBNK

      2008 2007 Change ( 2007 - 2008  )
    Total Assets 1.26 B 1.07 B 180.84 M 14.41%
    Total Liabilities 1.03 B 848.21 M 179.24 M 17.45%
    Shareholders Equity 227.71 M 226.12 M 1.59 M 0.70%
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  • Key Ratios / Statistics: UBNK

    • Valuation

      Price/Earnings (TTM) 33.64
      Price/Sales (TTM) 3.42
      Price/Book (MRQ) 0.87
      Price/Cash Flow (TTM) 20.61

    • Profitability

      Gross Margin —
      Operating Margin 19.43
      Profit Margin 10.22

    • Dividends

      Dividend Paid (TTM) 0.28
      Payout Ratio % (TTM) 77.78

    • Financial Strength

      Quick Ratio (MRQ) —
      Current Ratio (MRQ) —
      Long Term Debt-to-Equity (MRQ) 69.54

    • Management Effectiveness

      Return on Equity (TTM) 3.51
      Return on Assets (TTM) 0.86
      Return on Investments (TTM) 2.70
    View All Key Ratios