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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.11
NAS:BLMT's Cash to Debt is ranked lower than
93% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. NAS:BLMT: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
NAS:BLMT' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.26 Max: N/A
Current: 0.11
Equity to Asset 0.08
NAS:BLMT's Equity to Asset is ranked lower than
78% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:BLMT: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
NAS:BLMT' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.2
Current: 0.08
0.07
0.2
Interest Coverage 1.31
NAS:BLMT's Interest Coverage is ranked lower than
55% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. NAS:BLMT: 1.31 )
Ranked among companies with meaningful Interest Coverage only.
NAS:BLMT' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.6 Max: 1.31
Current: 1.31
0.11
1.31
F-Score: 3
M-Score: -2.16
WACC vs ROIC
3.15%
2.17%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 35.73
NAS:BLMT's Operating margin (%) is ranked higher than
61% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. NAS:BLMT: 35.73 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:BLMT' s Operating margin (%) Range Over the Past 10 Years
Min: 2.82  Med: 13.33 Max: 36.32
Current: 35.73
2.82
36.32
Net-margin (%) 22.16
NAS:BLMT's Net-margin (%) is ranked higher than
50% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. NAS:BLMT: 22.16 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:BLMT' s Net-margin (%) Range Over the Past 10 Years
Min: 1.42  Med: 11.9 Max: 22.16
Current: 22.16
1.42
22.16
ROE (%) 7.04
NAS:BLMT's ROE (%) is ranked lower than
61% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. NAS:BLMT: 7.04 )
Ranked among companies with meaningful ROE (%) only.
NAS:BLMT' s ROE (%) Range Over the Past 10 Years
Min: 0.34  Med: 3.11 Max: 7.83
Current: 7.04
0.34
7.83
ROA (%) 0.57
NAS:BLMT's ROA (%) is ranked lower than
69% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:BLMT: 0.57 )
Ranked among companies with meaningful ROA (%) only.
NAS:BLMT' s ROA (%) Range Over the Past 10 Years
Min: 0.05  Med: 0.35 Max: 0.68
Current: 0.57
0.05
0.68
Revenue Growth (3Y)(%) 16.40
NAS:BLMT's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:BLMT: 16.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:BLMT' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 16.4
Current: 16.4
0
16.4
EBITDA Growth (3Y)(%) 66.00
NAS:BLMT's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:BLMT: 66.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:BLMT' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 66
Current: 66
0
66
EPS Growth (3Y)(%) 69.60
NAS:BLMT's EPS Growth (3Y)(%) is ranked higher than
96% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:BLMT: 69.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:BLMT' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 34.8 Max: 145.8
Current: 69.6
0
145.8
» NAS:BLMT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

BLMT Guru Trades in Q4 2015

Jim Simons 190,885 sh (+3.74%)
Keeley Asset Management Corp 13,600 sh (unchged)
» More
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
» 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
Compare:OTCPK:CATC, NAS:OLBK, NAS:MBRG, NAS:NKSH, NAS:EQBK, NAS:WNEB, OTCPK:ALRS, NAS:PBNC, NAS:MBTF, NAS:PWOD, NAS:SMMF, AMEX:BHB, OTCPK:ISBA, NAS:CHFN, NAS:FFKT, NAS:AMNB, NAS:MFSF, NAS:LCNB, NAS:BWFG, NAS:OSBC » 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
P/E(ttm) 23.04
BLMT's P/E(ttm) is ranked lower than
83% of the 2008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. BLMT: 23.04 )
Ranked among companies with meaningful P/E(ttm) only.
BLMT' s P/E(ttm) Range Over the Past 10 Years
Min: 19.33  Med: 42.14 Max: 92.73
Current: 23.04
19.33
92.73
PE(NRI) 23.04
BLMT's PE(NRI) is ranked lower than
81% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. BLMT: 23.04 )
Ranked among companies with meaningful PE(NRI) only.
BLMT' s PE(NRI) Range Over the Past 10 Years
Min: 19.33  Med: 42.14 Max: 92.73
Current: 23.04
19.33
92.73
Price/Owner Earnings (ttm) 33.23
BLMT's Price/Owner Earnings (ttm) is ranked lower than
88% of the 909 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.74 vs. BLMT: 33.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BLMT' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 25.33  Med: 32.36 Max: 56.47
Current: 33.23
25.33
56.47
P/B 1.60
BLMT's P/B is ranked lower than
73% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BLMT: 1.60 )
Ranked among companies with meaningful P/B only.
BLMT' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.18 Max: 1.61
Current: 1.6
0.71
1.61
P/S 4.98
BLMT's P/S is ranked lower than
78% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. BLMT: 4.98 )
Ranked among companies with meaningful P/S only.
BLMT' s P/S Range Over the Past 10 Years
Min: 4  Med: 4.59 Max: 10.49
Current: 4.98
4
10.49
PFCF 24.92
BLMT's PFCF is ranked lower than
83% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.99 vs. BLMT: 24.92 )
Ranked among companies with meaningful PFCF only.
BLMT' s PFCF Range Over the Past 10 Years
Min: 2.78  Med: 8.39 Max: 79.57
Current: 24.92
2.78
79.57
POCF 24.02
BLMT's POCF is ranked lower than
87% of the 1130 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.66 vs. BLMT: 24.02 )
Ranked among companies with meaningful POCF only.
BLMT' s POCF Range Over the Past 10 Years
Min: 2.68  Med: 7.94 Max: 62.18
Current: 24.02
2.68
62.18
EV-to-EBIT 38.79
BLMT's EV-to-EBIT is ranked lower than
92% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.02 vs. BLMT: 38.79 )
Ranked among companies with meaningful EV-to-EBIT only.
BLMT' s EV-to-EBIT Range Over the Past 10 Years
Min: -353.2  Med: 52.3 Max: 305.3
Current: 38.79
-353.2
305.3
EV-to-EBITDA 37.43
BLMT's EV-to-EBITDA is ranked lower than
93% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.08 vs. BLMT: 37.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
BLMT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3420.3  Med: 51.3 Max: 1336.4
Current: 37.43
-3420.3
1336.4

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 1.60
BLMT's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 1057 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BLMT: 1.60 )
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: 0.4  Med: 0.8 Max: 0
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.58
BLMT's Price/Tangible Book is ranked lower than
66% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BLMT: 1.58 )
Ranked among companies with meaningful Price/Tangible Book only.
BLMT' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.73  Med: 1.18 Max: 1.59
Current: 1.58
0.73
1.59
Price/Projected FCF 0.91
BLMT's Price/Projected FCF is ranked lower than
60% of the 1125 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. BLMT: 0.91 )
Ranked among companies with meaningful Price/Projected FCF only.
BLMT' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.78  Med: 0.79 Max: 0.91
Current: 0.91
0.78
0.91
Price/Median PS Value 1.07
BLMT's Price/Median PS Value is ranked higher than
53% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BLMT: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
BLMT' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.88  Med: 0.99 Max: 2.07
Current: 1.07
0.88
2.07
Price/Graham Number 1.26
BLMT's Price/Graham Number is ranked lower than
74% of the 1743 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BLMT: 1.26 )
Ranked among companies with meaningful Price/Graham Number only.
BLMT' s Price/Graham Number Range Over the Past 10 Years
Min: 1.09  Med: 1.53 Max: 1.96
Current: 1.26
1.09
1.96
Earnings Yield (Greenblatt) (%) 2.59
BLMT's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. BLMT: 2.59 )
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: 2.59
0.3
2.8

More Statistics

Revenue (TTM) (Mil) $48.46
EPS (TTM) $ 1.19
Beta0.33
Short Percentage of Float4.25%
52-Week Range $20.72 - 27.35
Shares Outstanding (Mil)9.10
» More Articles for BLMT

Headlines

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BSB BANCORP, INC. Financials Nov 10 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 posts 3Q profit Oct 20 2016
BSB Bancorp posts 3Q profit 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 posts 2Q profit Jul 21 2016
BSB Bancorp posts 2Q profit Jul 21 2016
BSB Bancorp, Inc. Reports Second Quarter Results - Year Over Year Earnings Growth of 84% Jul 21 2016
BSB Bancorp, Inc. (Massachusetts) :BLMT-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28,... Jun 28 2016
BSB BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 26 2016
BSB BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 06 2016
BSB Bancorp, Inc. (Massachusetts) :BLMT-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 22 2016
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Apr 21 2016

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