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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

United Financial Bancorp, Inc. (UBNK)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-18Dec-31-17Dec-31-16Dec-31-15Dec-31-14Dec-31-13Dec-31-12Dec-31-11
   10-K10-K10-K10-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans  237.0200.7179.8165.4133.067.871.270.5
        Interest income on investments  32.532.228.128.421.59.46.54.7
       273.0236.3212.2196.3155.977.578.075.6
    Interest expense:  
        Interest on deposits  57.833.625.621.413.68.08.711.3
        Interest on borrowings       2.52.26.2
       81.552.041.131.813.68.08.711.3
Net interest income  191.5184.2171.1164.6169.485.586.786.8
Provision for loan losses  8.99.413.413.09.52.03.63.0
Net interest income after provision for loan losses  182.6174.8157.7151.6159.983.583.183.8
        Deposit and loan fees  26.825.421.0  7.36.56.4
        Gain on sale of investments, net     0.91.20.60.96.2
        Other non-interest income  48.746.042.731.515.49.27.3-4.1
Total non-interest income  75.471.463.732.516.617.114.78.5
Non-interest expenses  157.8142.8134.7128.2144.462.555.718.6
Pre-tax income  61.566.753.855.90.519.622.4-6.1
Income taxes  1.612.04.16.2-6.25.46.6-2.0
            Tax rate  2.6%18.1%7.6%11.1% 27.4%29.6%32.3%
Net income  59.954.649.749.66.814.215.87.1
            Net margin  23.2%22.2%22.4%27.0%3.8%14.2%16.2%7.7%
   
Basic EPS  $1.18$1.09$1.00$1.01$0.16$0.55$0.57$0.25
Diluted EPS  $1.17$1.07$0.99$1.01$0.16$0.54$0.56$0.25
   
Shares outstanding (basic)  50.650.349.748.942.826.127.828.6
Shares outstanding (diluted)  51.050.950.149.443.326.428.028.7
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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