United Financial Bancorp, Inc.
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $4.7M | $2.8M | $11.2M | $10.0M |
| Total assets | $2.48B | $2.40B | $1.62B | $1.58B |
| Total liabilities | $2.18B | $2.10B | $1.40B | $1.36B |
| Equity | $302.8M | $307.2M | $227.4M | $222.6M |
| EPS (diluted) | $0.23 | $0.19 | $0.74 | $0.65 |
| Shares out. | 19.9M | 15.7M | 15.2M | 15.39B |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.6%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.8%
- Debt / equity
- 7.20×
- Book value / share
- $15.18
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 65.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2013- Accruals / assets
- −1.0%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Director / officer change · Amended charter or bylaws · Other material eventMay 1, 2014
- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in controlMay 1, 2014
- Shareholder voteApr 10, 2014
- Results of operationsJan 24, 2014
- Entered a material agreementNov 20, 2013
- Other material eventNov 15, 2013
- Results of operationsOct 18, 2013
- Other material eventOct 7, 2013
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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