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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.14
BLMT's Cash to Debt is ranked lower than
89% of the 1161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.56 vs. BLMT: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
BLMT' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.18 Max: 0.63
Current: 0.14
0.05
0.63
Equity to Asset 0.08
BLMT's Equity to Asset is ranked lower than
78% of the 1653 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: 0.10 Max: 0.2
Current: 0.08
0.08
0.2
Interest Coverage 1.18
BLMT's Interest Coverage is ranked lower than
60% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. BLMT: 1.18 )
Ranked among companies with meaningful Interest Coverage only.
BLMT' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.60 Max: 1.1
Current: 1.18
0.11
1.1
F-Score: 4
M-Score: -2.37
WACC vs ROIC
3.12%
1.94%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 29.87
BLMT's Operating margin (%) is ranked lower than
61% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.24 vs. BLMT: 29.87 )
Ranked among companies with meaningful Operating margin (%) only.
BLMT' s Operating margin (%) Range Over the Past 10 Years
Min: 2.82  Med: 13.33 Max: 36.32
Current: 29.87
2.82
36.32
Net-margin (%) 18.44
BLMT's Net-margin (%) is ranked lower than
71% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.66 vs. BLMT: 18.44 )
Ranked among companies with meaningful Net-margin (%) only.
BLMT' s Net-margin (%) Range Over the Past 10 Years
Min: 1.42  Med: 11.90 Max: 20.19
Current: 18.44
1.42
20.19
ROE (%) 5.52
BLMT's ROE (%) is ranked lower than
77% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. BLMT: 5.52 )
Ranked among companies with meaningful ROE (%) only.
BLMT' s ROE (%) Range Over the Past 10 Years
Min: 0.34  Med: 2.27 Max: 4.76
Current: 5.52
0.34
4.76
ROA (%) 0.48
BLMT's ROA (%) is ranked lower than
77% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BLMT: 0.48 )
Ranked among companies with meaningful ROA (%) only.
BLMT' s ROA (%) Range Over the Past 10 Years
Min: 0.05  Med: 0.28 Max: 0.43
Current: 0.48
0.05
0.43
Revenue Growth (3Y)(%) 16.40
BLMT's Revenue Growth (3Y)(%) is ranked higher than
87% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. BLMT: 16.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BLMT' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 16.4
Current: 16.4
0
16.4
EBITDA Growth (3Y)(%) 66.00
BLMT's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BLMT: 66.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BLMT' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 66
Current: 66
0
66
EPS Growth (3Y)(%) 69.30
BLMT's EPS Growth (3Y)(%) is ranked higher than
95% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BLMT: 69.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BLMT' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 34.65 Max: 146
Current: 69.3
0
146
» BLMT's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

Q1 2015

BLMT Guru Trades in Q1 2015

Jim Simons 128,300 sh (+2.07%)
John Keeley 17,500 sh (unchged)
» More
Q2 2015

BLMT Guru Trades in Q2 2015

Jim Simons 172,384 sh (+34.36%)
John Keeley 14,500 sh (-17.14%)
» More
Q3 2015

BLMT Guru Trades in Q3 2015

Jim Simons 184,000 sh (+6.74%)
John Keeley 13,600 sh (-6.21%)
» More
Q4 2015

BLMT Guru Trades in Q4 2015

Jim Simons 190,885 sh (+3.74%)
John Keeley 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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Ratios

vs
industry
vs
history
P/E(ttm) 26.42
BLMT's P/E(ttm) is ranked lower than
89% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. BLMT: 26.42 )
Ranked among companies with meaningful P/E(ttm) only.
BLMT' s P/E(ttm) Range Over the Past 10 Years
Min: 26.17  Med: 50.59 Max: 89.74
Current: 26.42
26.17
89.74
PE(NRI) 26.42
BLMT's PE(NRI) is ranked lower than
89% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. BLMT: 26.42 )
Ranked among companies with meaningful PE(NRI) only.
BLMT' s PE(NRI) Range Over the Past 10 Years
Min: 26.17  Med: 51.35 Max: 92.73
Current: 26.42
26.17
92.73
Price/Owner Earnings (ttm) 25.76
BLMT's Price/Owner Earnings (ttm) is ranked lower than
88% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.23 vs. BLMT: 25.76 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BLMT' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 19.86  Med: 24.23 Max: 36.09
Current: 25.76
19.86
36.09
P/B 1.43
BLMT's P/B is ranked lower than
76% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. BLMT: 1.43 )
Ranked among companies with meaningful P/B only.
BLMT' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.10 Max: 1.5
Current: 1.43
0.71
1.5
P/S 4.99
BLMT's P/S is ranked lower than
80% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. BLMT: 4.99 )
Ranked among companies with meaningful P/S only.
BLMT' s P/S Range Over the Past 10 Years
Min: 4  Med: 4.63 Max: 10.49
Current: 4.99
4
10.49
PFCF 11.65
BLMT's PFCF is ranked lower than
56% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. BLMT: 11.65 )
Ranked among companies with meaningful PFCF only.
BLMT' s PFCF Range Over the Past 10 Years
Min: 2.78  Med: 7.80 Max: 79.57
Current: 11.65
2.78
79.57
POCF 11.42
BLMT's POCF is ranked lower than
63% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. BLMT: 11.42 )
Ranked among companies with meaningful POCF only.
BLMT' s POCF Range Over the Past 10 Years
Min: 2.68  Med: 7.54 Max: 62.18
Current: 11.42
2.68
62.18
EV-to-EBIT 48.04
BLMT's EV-to-EBIT is ranked lower than
92% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. BLMT: 48.04 )
Ranked among companies with meaningful EV-to-EBIT only.
BLMT' s EV-to-EBIT Range Over the Past 10 Years
Min: -353.2  Med: 57.50 Max: 305.3
Current: 48.04
-353.2
305.3
EV-to-EBITDA 45.11
BLMT's EV-to-EBITDA is ranked lower than
92% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. BLMT: 45.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
BLMT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3420.3  Med: 52.20 Max: 1336.4
Current: 45.11
-3420.3
1336.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
BLMT's Price/Tangible Book is ranked lower than
68% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BLMT: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
BLMT' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.73  Med: 1.05 Max: 1.45
Current: 1.45
0.73
1.45
Price/Projected FCF 0.87
BLMT's Price/Projected FCF is ranked lower than
70% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. BLMT: 0.87 )
Ranked among companies with meaningful Price/Projected FCF only.
BLMT' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.85  Med: 0.85 Max: 0.85
Current: 0.87
Price/Median PS Value 1.08
BLMT's Price/Median PS Value is ranked lower than
57% of the 1530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. BLMT: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
BLMT' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.87  Med: 0.98 Max: 2.05
Current: 1.08
0.87
2.05
Price/Graham Number 1.30
BLMT's Price/Graham Number is ranked lower than
86% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. BLMT: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
BLMT' s Price/Graham Number Range Over the Past 10 Years
Min: 1.39  Med: 1.72 Max: 3.23
Current: 1.3
1.39
3.23
Earnings Yield (Greenblatt) (%) 2.08
BLMT's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1641 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BLMT: 2.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BLMT' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 1.60 Max: 2.4
Current: 2.08
0.3
2.4

More Statistics

Revenue(Mil) $44
EPS $ 0.90
Beta0.41
Short Percentage of Float4.54%
52-Week Range $19.59 - 23.98
Shares Outstanding(Mil)9.09

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:ISBA, NAS:FFKT, NAS:MNRK, NAS:FBIZ, NAS:FNLC » details
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.
» More Articles for BLMT

Headlines

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