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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 0.15
BLMT's Cash to Debt is ranked lower than
89% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BLMT: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
BLMT' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.31 Max: N/A
Current: 0.15
Equity to Asset 0.10
BLMT's Equity to Asset is ranked lower than
57% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BLMT: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
BLMT' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.12 Max: 0.2
Current: 0.1
0.07
0.2
Interest Coverage 0.97
BLMT's Interest Coverage is ranked lower than
64% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BLMT: 0.97 )
Ranked among companies with meaningful Interest Coverage only.
BLMT' s 10-Year Interest Coverage Range
Min: 0.11  Med: 0.51 Max: 0.97
Current: 0.97
0.11
0.97
F-Score: 4
WACC vs ROIC
3.90%
1.54%
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 (%) 22.30
BLMT's Operating margin (%) is ranked lower than
67% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. BLMT: 22.30 )
Ranked among companies with meaningful Operating margin (%) only.
BLMT' s 10-Year Operating margin (%) Range
Min: 2.82  Med: 11.74 Max: 36.32
Current: 22.3
2.82
36.32
Net-margin (%) 13.71
BLMT's Net-margin (%) is ranked lower than
75% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. BLMT: 13.71 )
Ranked among companies with meaningful Net-margin (%) only.
BLMT' s 10-Year Net-margin (%) Range
Min: 1.42  Med: 9.26 Max: 20.19
Current: 13.71
1.42
20.19
ROE (%) 3.69
BLMT's ROE (%) is ranked lower than
80% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. BLMT: 3.69 )
Ranked among companies with meaningful ROE (%) only.
BLMT' s 10-Year ROE (%) Range
Min: 0.34  Med: 1.49 Max: 4.03
Current: 3.69
0.34
4.03
ROA (%) 0.38
BLMT's ROA (%) is ranked lower than
76% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BLMT: 0.38 )
Ranked among companies with meaningful ROA (%) only.
BLMT' s 10-Year ROA (%) Range
Min: 0.05  Med: 0.21 Max: 0.36
Current: 0.38
0.05
0.36
ROC (Joel Greenblatt) (%) 258.43
BLMT's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. BLMT: 258.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BLMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 1.55  Med: 16.45 Max: 214.39
Current: 258.43
1.55
214.39
EPS Growth (3Y)(%) 153.70
BLMT's EPS Growth (3Y)(%) is ranked higher than
99% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BLMT: 153.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BLMT' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 153.7
Current: 153.7
0
153.7
» BLMT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

BLMT Guru Trades in Q2 2014

Jim Simons 86,900 sh (+15.11%)
John Keeley 17,500 sh (unchged)
» More
Q3 2014

BLMT Guru Trades in Q3 2014

Jim Simons 103,400 sh (+18.99%)
John Keeley 17,500 sh (unchged)
» More
Q4 2014

BLMT Guru Trades in Q4 2014

Jim Simons 125,700 sh (+21.57%)
John Keeley 17,500 sh (unchged)
» More
Q1 2015

BLMT Guru Trades in Q1 2015

Jim Simons 128,300 sh (+2.07%)
John Keeley 17,500 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) 38.02
BLMT's P/E(ttm) is ranked lower than
91% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BLMT: 38.02 )
Ranked among companies with meaningful P/E(ttm) only.
BLMT' s 10-Year P/E(ttm) Range
Min: 33.02  Med: 67.88 Max: 89.74
Current: 38.02
33.02
89.74
PE(NRI) 37.70
BLMT's PE(NRI) is ranked lower than
92% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BLMT: 37.70 )
Ranked among companies with meaningful PE(NRI) only.
BLMT' s 10-Year PE(NRI) Range
Min: 32.73  Med: 67.93 Max: 86.94
Current: 37.7
32.73
86.94
P/B 1.44
BLMT's P/B is ranked lower than
71% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BLMT: 1.44 )
Ranked among companies with meaningful P/B only.
BLMT' s 10-Year P/B Range
Min: 0.71  Med: 0.99 Max: 1.52
Current: 1.44
0.71
1.52
P/S 5.12
BLMT's P/S is ranked lower than
80% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BLMT: 5.12 )
Ranked among companies with meaningful P/S only.
BLMT' s 10-Year P/S Range
Min: 4  Med: 4.58 Max: 10.5
Current: 5.12
4
10.5
POCF 13.10
BLMT's POCF is ranked lower than
64% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. BLMT: 13.10 )
Ranked among companies with meaningful POCF only.
BLMT' s 10-Year POCF Range
Min: 2.67  Med: 7.55 Max: 61
Current: 13.1
2.67
61
EV-to-EBIT 52.66
BLMT's EV-to-EBIT is ranked lower than
92% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BLMT: 52.66 )
Ranked among companies with meaningful EV-to-EBIT only.
BLMT' s 10-Year EV-to-EBIT Range
Min: -353.2  Med: 66.00 Max: 305.3
Current: 52.66
-353.2
305.3
Days Sales Outstanding 35.75
BLMT's Days Sales Outstanding is ranked lower than
52% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. BLMT: 35.75 )
Ranked among companies with meaningful Days Sales Outstanding only.
BLMT' s 10-Year Days Sales Outstanding Range
Min: 27.64  Med: 39.82 Max: 72.01
Current: 35.75
27.64
72.01

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
BLMT's Price/Tangible Book is ranked lower than
64% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BLMT: 1.42 )
Ranked among companies with meaningful Price/Tangible Book only.
BLMT' s 10-Year Price/Tangible Book Range
Min: 0.74  Med: 0.96 Max: 1.29
Current: 1.42
0.74
1.29
Price/Median PS Value 1.12
BLMT's Price/Median PS Value is ranked lower than
53% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BLMT: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
BLMT' s 10-Year Price/Median PS Value Range
Min: 0.88  Med: 1.00 Max: 2.07
Current: 1.12
0.88
2.07
Price/Graham Number 1.59
BLMT's Price/Graham Number is ranked lower than
89% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BLMT: 1.59 )
Ranked among companies with meaningful Price/Graham Number only.
BLMT' s 10-Year Price/Graham Number Range
Min: 1.44  Med: 1.80 Max: 3.25
Current: 1.59
1.44
3.25
Earnings Yield (Greenblatt) (%) 1.91
BLMT's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BLMT: 1.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BLMT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 1.30 Max: 2.1
Current: 1.91
0.3
2.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » 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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