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Section 1: 8-K (8-K)


Washington, D.C. 20549
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) May 17, 2018
United Financial Bancorp, Inc.
(Exact name of registrant as specified in its charter)

(State or other jurisdiction
(IRS Employer
of incorporation)
File Number)
Identification No.)
225 Asylum Street, Hartford, Connecticut
(Address of principal executive offices)
(Zip Code)
Registrant’s telephone number, including area code: (860) 291-3600
Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 7.01. Regulation FD Disclosure

On Thursday, May 17, 2018, United Financial Bancorp, Inc. (the “Company”) made available its presentation slides for the Company’s Annual Meeting of Shareholders. The Company presented its computer generated slide presentation material, which included among other things, a review of financial results and trends through the period ended March 31, 2018. Copies of these materials are attached as Exhibit 99.1 to this filing.

Item 9.01. Financial Statements and Exhibit
Not applicable.
Not applicable.
Not applicable.
Annual Meeting Presentation of May 17, 2018.

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: May 17, 2018
/s/ Eric R. Newell
Eric R. Newell
Executive Vice President/
Chief Financial Officer

Exhibit Index
Annual Meeting Presentation of May 17, 2018

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Section 2: EX-99.1 (EXHIBIT 99.1)

Annual Shareholders Meeting Create Your Balance NASDAQ: UBNK

Forward Looking Statements This Presentation contains forward-looking statements that are within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are based upon the current beliefs and expectations of our management and are subject to significant risks and uncertainties. These risks and uncertainties could cause our results to differ materially from those set forth in such forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. Words such as “believes,” “anticipates,” “expects,” “intends,” “plans,” “estimates,” “targeted” and similar expressions, and future or conditional verbs, such as “will,” “would,” “should,” “could” or “may” are intended to identify forward- looking statements but are not the only means to identify these statements. Forward-looking statements involve risks and uncertainties. Actual conditions, events or results may differ materially from those contemplated by a forward-looking statement. Factors that could cause this difference — many of which are beyond our control — include without limitation the following: Any forward-looking statements made by or on behalf of us in this Presentation speak only as of the date of this Presentation. We do not undertake to update forward-looking statements to reflect the impact of circumstances or events that arise after the date the forward-looking statement was made. The reader should; however, consult any further disclosures of a forward-looking nature we may make in future filings.

Chief Executive Officer & President Presentation of Results

Compound Annual Growth Rates (CAGR) December 31 December 31 CAGR 2017 2010 2010-2017 (in thousands, except share data) Total Assets $7,114,159 $1,678,073 23% Loans $5,307,678 $1,410,498 21% Deposits $5,198,221 $1,219,260 23% Stockholders' Equity $693,328 $166,428 23% Diluted earnings per share $1.07 $0.44 14% Shares repurchased to date: 8,073,165 Average purchase price: $13.12 Average trading price: $13.19

Selected Balance Sheet Data December 31 December 31 Growth 2017 2016 Rate (in thousands, except share data) Total Assets $7,114,159 $6,599,520 8% Loans $5,307,678 $4,870,552 9% Deposits $5,198,221 $4,711,172 10% Stockholders' Equity $693,328 $655,866 6%

Financial Performance FY 2017 December 31 December 31 Growth 2017 2016 Rate Net income $ 54,618 $ 49,661 10% Total revenue (non-GAAP) 217,669 199,152 9% Total expense (non-GAAP) 141,049 130,954 8% Diluted earnings per share (non-GAAP) 1.16 1.00 16%

Total Shareholder Return (TSR) December 31, 2017 Closing Stock Price was $17.64 United Financial As of December 31, 2017 Bancorp, Inc. SNL Thrift Index Russell 2000 1-Year 0% -1% 15% 2-Year 46% 22% 39% 3-Year 36% 37% 33% 5-Year 60% 89% 94% Since Merger 4/30/2014 51% 47% 43% Since 4/26/2011 118% 98% 98% Since 2nd Step 3/3/2011 105% 93% 104% Pre-Conversion 1/1/2011 175% 93% 116%

Four Key Objectives

Forecast *Note: Loan Growth, Provision/Average Gross Loans, Fee Income and NIE calculations are annualized. ^ Tax Equivalent NIM forecast assumes no changes to interest rates in forecast period

Questions & Answers

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