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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.12
BLMT's Cash-to-Debt is ranked lower than
93% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. BLMT: 0.12 )
Ranked among companies with meaningful Cash-to-Debt only.
BLMT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.16 Max: 0.63
Current: 0.12
0.05
0.63
Equity-to-Asset 0.08
BLMT's Equity-to-Asset is ranked lower than
77% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BLMT: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
BLMT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.2
Current: 0.08
0.08
0.2
Interest Coverage 1.36
BLMT's Interest Coverage is ranked lower than
55% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. BLMT: 1.36 )
Ranked among companies with meaningful Interest Coverage only.
BLMT' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.6 Max: 1.36
Current: 1.36
0.11
1.36
Piotroski F-Score: 5
Beneish M-Score: -1.84
WACC vs ROIC
3.37%
2.25%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating Margin % 38.71
BLMT's Operating Margin % is ranked higher than
71% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. BLMT: 38.71 )
Ranked among companies with meaningful Operating Margin % only.
BLMT' s Operating Margin % Range Over the Past 10 Years
Min: 2.82  Med: 16.49 Max: 38.71
Current: 38.71
2.82
38.71
Net Margin % 23.90
BLMT's Net Margin % is ranked higher than
57% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. BLMT: 23.90 )
Ranked among companies with meaningful Net Margin % only.
BLMT' s Net Margin % Range Over the Past 10 Years
Min: 1.42  Med: 12.1 Max: 23.9
Current: 23.9
1.42
23.9
ROE % 7.69
BLMT's ROE % is ranked lower than
55% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. BLMT: 7.69 )
Ranked among companies with meaningful ROE % only.
BLMT' s ROE % Range Over the Past 10 Years
Min: 0.34  Med: 3.57 Max: 7.83
Current: 7.69
0.34
7.83
ROA % 0.60
BLMT's ROA % is ranked lower than
67% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. BLMT: 0.60 )
Ranked among companies with meaningful ROA % only.
BLMT' s ROA % Range Over the Past 10 Years
Min: 0.05  Med: 0.36 Max: 0.68
Current: 0.6
0.05
0.68
3-Year Revenue Growth Rate 17.20
BLMT's 3-Year Revenue Growth Rate is ranked higher than
88% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. BLMT: 17.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BLMT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 16.4 Max: 21.6
Current: 17.2
0
21.6
3-Year EBITDA Growth Rate 72.30
BLMT's 3-Year EBITDA Growth Rate is ranked higher than
97% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. BLMT: 72.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BLMT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 66 Max: 99.8
Current: 72.3
0
99.8
3-Year EPS without NRI Growth Rate 82.20
BLMT's 3-Year EPS without NRI Growth Rate is ranked higher than
97% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. BLMT: 82.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BLMT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 69.6 Max: 145.8
Current: 82.2
0
145.8
GuruFocus has detected 3 Warning Signs with BSB Bancorp Inc $BLMT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BLMT's 10-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

BLMT Guru Trades in Q1 2016

Keeley Asset Management Corp 13,600 sh (unchged)
Jim Simons 187,500 sh (-1.77%)
» More
Q2 2016

BLMT Guru Trades in Q2 2016

Keeley Asset Management Corp 13,600 sh (unchged)
Jim Simons 183,100 sh (-2.35%)
» More
Q3 2016

BLMT Guru Trades in Q3 2016

Jim Simons 186,800 sh (+2.02%)
Keeley Asset Management Corp 13,600 sh (unchged)
» More
Q4 2016

BLMT Guru Trades in Q4 2016

Jim Simons 250,211 sh (+33.95%)
Keeley Asset Management Corp Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BLMT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:OTCPK:ALRS, OTCPK:IALB, NAS:MBTF, NAS:FBMS, OTCPK:CATC, NAS:NKSH, NAS:MBRG, NAS:CVCY, NAS:BWFG, NAS:TBBK, NAS:MFSF, NAS:CHFN, NAS:CZNC, NAS:LCNB, NAS:FCFP, NAS:ATLO, NAS:FNLC, NAS:CVLY, NAS:PBNC, OTCPK:ISBA » details
BSB Bancorp Inc operates as a holding company for Belmont Savings Bank that provides financial services to individuals, families, and businesses through its full-service branch offices.

BSB Bancorp Inc was incorporated on June 1, 2011. The Company completed its IPO on October 4, 2011. It is the holding company of Belmont Savings in connection with the Bank's conversion from the mutual holding company to stock holding company form of organization. It is engaged principally in the business of deposits from the general public and investing those deposits in residential and commercial real estate loans, consumer loans, including indirect auto loans, commercial loans and construction loans, as well as investment securities. It offers deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts and IRAs. It conducts its operations from its five full-service branch offices located in Belmont, Watertown, Waltham, Newton and Cambridge Massachusetts. The Company's lending market includes Essex, Middlesex, Norfolk and Suffolk Counties, Massachusetts. The Company competes with commercial banks, credit unions, savings institutions, online banks, mortgage brokerage firms, finance companies, mutual funds, insurance companies and investment banking firms. The Company is subject to regulation, supervision and examination by the Federal Reserve Board, the Federal Deposit Insurance Corporation and the Commonwealth of Massachusetts Division of Banks.

Ratios

vs
industry
vs
history
PE Ratio 20.79
BLMT's PE Ratio is ranked lower than
79% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. BLMT: 20.79 )
Ranked among companies with meaningful PE Ratio only.
BLMT' s PE Ratio Range Over the Past 10 Years
Min: 19.33  Med: 38.35 Max: 92.73
Current: 20.79
19.33
92.73
PE Ratio without NRI 20.79
BLMT's PE Ratio without NRI is ranked lower than
77% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. BLMT: 20.79 )
Ranked among companies with meaningful PE Ratio without NRI only.
BLMT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 19.33  Med: 38.35 Max: 92.73
Current: 20.79
19.33
92.73
Price-to-Owner-Earnings 30.68
BLMT's Price-to-Owner-Earnings is ranked lower than
88% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. BLMT: 30.68 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BLMT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 25.33  Med: 31.75 Max: 56.47
Current: 30.68
25.33
56.47
PB Ratio 1.52
BLMT's PB Ratio is ranked lower than
72% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. BLMT: 1.52 )
Ranked among companies with meaningful PB Ratio only.
BLMT' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.22 Max: 1.64
Current: 1.52
0.71
1.64
PS Ratio 4.88
BLMT's PS Ratio is ranked lower than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. BLMT: 4.88 )
Ranked among companies with meaningful PS Ratio only.
BLMT' s PS Ratio Range Over the Past 10 Years
Min: 4  Med: 4.61 Max: 7.4
Current: 4.88
4
7.4
Price-to-Free-Cash-Flow 19.51
BLMT's Price-to-Free-Cash-Flow is ranked lower than
78% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. BLMT: 19.51 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BLMT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.78  Med: 8.84 Max: 97.05
Current: 19.51
2.78
97.05
Price-to-Operating-Cash-Flow 19.01
BLMT's Price-to-Operating-Cash-Flow is ranked lower than
81% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. BLMT: 19.01 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BLMT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.68  Med: 8.32 Max: 65.69
Current: 19.01
2.68
65.69
EV-to-EBIT 36.04
BLMT's EV-to-EBIT is ranked lower than
90% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. BLMT: 36.04 )
Ranked among companies with meaningful EV-to-EBIT only.
BLMT' s EV-to-EBIT Range Over the Past 10 Years
Min: -353.2  Med: 48.9 Max: 305.3
Current: 36.04
-353.2
305.3
EV-to-EBITDA 34.93
BLMT's EV-to-EBITDA is ranked lower than
91% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. BLMT: 34.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
BLMT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3420.3  Med: 46.25 Max: 1336.4
Current: 34.93
-3420.3
1336.4
PEG Ratio 0.27
BLMT's PEG Ratio is ranked higher than
94% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. BLMT: 0.27 )
Ranked among companies with meaningful PEG Ratio only.
BLMT' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.27
Current: 0.27
0
0.27

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.20
BLMT's 3-Year Average Share Buyback Ratio is ranked higher than
68% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. BLMT: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BLMT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.2  Med: 1.6 Max: 0
Current: -0.2
-0.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
BLMT's Price-to-Tangible-Book is ranked lower than
65% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. BLMT: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BLMT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.73  Med: 1.14 Max: 1.64
Current: 1.55
0.73
1.64
Price-to-Intrinsic-Value-Projected-FCF 0.88
BLMT's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BLMT: 0.88 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BLMT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.85  Med: 0.89 Max: 0.92
Current: 0.88
0.85
0.92
Price-to-Median-PS-Value 1.05
BLMT's Price-to-Median-PS-Value is ranked higher than
61% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BLMT: 1.05 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BLMT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.88  Med: 1.02 Max: 1.45
Current: 1.05
0.88
1.45
Price-to-Graham-Number 1.20
BLMT's Price-to-Graham-Number is ranked lower than
72% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. BLMT: 1.20 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BLMT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.17  Med: 1.58 Max: 3.23
Current: 1.2
1.17
3.23
Earnings Yield (Greenblatt) % 2.77
BLMT's Earnings Yield (Greenblatt) % is ranked lower than
67% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. BLMT: 2.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BLMT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 1.7 Max: 2.8
Current: 2.77
0.3
2.8

More Statistics

Revenue (TTM) (Mil) $50.14
EPS (TTM) $ 1.32
Beta0.43
Short Percentage of Float2.23%
52-Week Range $21.51 - 30.05
Shares Outstanding (Mil)9.12
» More Articles for BLMT

Headlines

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Weekly CEO Buys Highlight: KEG, ANCX, CNOB, BLMT, NEM May 06 2013 
Weekly CFO Buys Highlight: ASBB, BLMT, MASC Oct 17 2011 
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More From Other Websites
BSB BANCORP, INC. Financials Mar 16 2017
BSB Bancorp, Inc. (Massachusetts) :BLMT-US: Earnings Analysis: Q4, 2016 By the Numbers : March 16,... Mar 16 2017
BSB BANCORP, INC. Files SEC form 10-K, Annual Report Mar 10 2017
BSB Bancorp, Inc. (Massachusetts) :BLMT-US: Earnings Analysis: 2016 By the Numbers : February 14,... Feb 14 2017
BSB Bancorp posts 4Q profit Feb 09 2017
BSB Bancorp posts 4Q profit Feb 09 2017
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Feb 09 2017
BSB Bancorp, Inc. Reports Fourth Quarter Results - Year Over Year Earnings Growth of 73% Feb 09 2017
ETFs with exposure to BSB Bancorp, Inc. (Massachusetts) : December 27, 2016 Dec 27 2016
ETFs with exposure to BSB Bancorp, Inc. (Massachusetts) : December 16, 2016 Dec 16 2016
ETFs with exposure to BSB Bancorp, Inc. (Massachusetts) : December 2, 2016 Dec 02 2016
BSB BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 04 2016
BSB Bancorp, Inc. (Massachusetts) :BLMT-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25,... Oct 25 2016
ETF’s with exposure to BSB Bancorp, Inc. (Massachusetts) : October 21, 2016 Oct 21 2016
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Oct 21 2016
BSB Bancorp, Inc. Reports Third Quarter Results - Year Over Year Earnings Growth of 79% Oct 20 2016
BSB Bancorp, Inc. Reports Third Quarter Results - Year Over Year Earnings Growth of 79% Oct 20 2016
BSB BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 05 2016
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 25 2016
BSB Bancorp, Inc. Reports Second Quarter Results - Year Over Year Earnings Growth of 84% Jul 21 2016

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