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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.18
BLMT's Cash to Debt is ranked higher than
54% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BLMT: 0.18 )
BLMT' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.18

Equity to Asset 0.10
BLMT's Equity to Asset is ranked higher than
71% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BLMT: 0.10 )
BLMT' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.2
Current: 0.1

0.07
0.2
Interest Coverage 0.60
BLMT's Interest Coverage is ranked higher than
56% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. BLMT: 0.60 )
BLMT' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.6
Current: 0.6

0.11
0.6
F-Score: 4
Z-Score: 0.20
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 (%) 16.43
BLMT's Operating margin (%) is ranked higher than
58% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. BLMT: 16.43 )
BLMT' s 10-Year Operating margin (%) Range
Min: 2.82   Max: 36.32
Current: 16.43

2.82
36.32
Net-margin (%) 10.55
BLMT's Net-margin (%) is ranked higher than
57% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. BLMT: 10.55 )
BLMT' s 10-Year Net-margin (%) Range
Min: 1.42   Max: 20.19
Current: 10.55

1.42
20.19
ROE (%) 2.70
BLMT's ROE (%) is ranked higher than
54% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. BLMT: 2.70 )
BLMT' s 10-Year ROE (%) Range
Min: 0.34   Max: 4.03
Current: 2.7

0.34
4.03
ROA (%) 0.31
BLMT's ROA (%) is ranked higher than
57% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BLMT: 0.31 )
BLMT' s 10-Year ROA (%) Range
Min: 0.05   Max: 0.36
Current: 0.31

0.05
0.36
ROC (Joel Greenblatt) (%) 170.17
BLMT's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. BLMT: 170.17 )
BLMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 1.55   Max: 211.14
Current: 170.17

1.55
211.14
» BLMT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

BLMT Guru Trades in Q4 2013

Jim Simons 73,402 sh (+6.34%)
John Keeley 17,500 sh (unchged)
» More
Q1 2014

BLMT Guru Trades in Q1 2014

Jim Simons 75,492 sh (+2.85%)
John Keeley 17,500 sh (unchged)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2012-03-31 Add 75%$10.51 - $11.65 $ 18.93158%17500
John Keeley 2011-12-31 New Buy$10.14 - $10.5734 $ 18.93252%10000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 45.40
BLMT's P/E(ttm) is ranked higher than
65% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. BLMT: 45.40 )
BLMT' s 10-Year P/E(ttm) Range
Min: 43.72   Max: 89.74
Current: 45.4

43.72
89.74
P/B 1.27
BLMT's P/B is ranked higher than
73% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. BLMT: 1.27 )
BLMT' s 10-Year P/B Range
Min: 0.71   Max: 1.29
Current: 1.27

0.71
1.29
P/S 4.73
BLMT's P/S is ranked higher than
66% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. BLMT: 4.73 )
BLMT' s 10-Year P/S Range
Min: 4   Max: 10.5
Current: 4.73

4
10.5
EV-to-EBIT 68.07
BLMT's EV-to-EBIT is ranked higher than
59% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. BLMT: 68.07 )
BLMT' s 10-Year EV-to-EBIT Range
Min: -353.2   Max: 305.3
Current: 68.07

-353.2
305.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
BLMT's Price/Tangible Book is ranked higher than
78% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. BLMT: 1.27 )
BLMT' s 10-Year Price/Tangible Book Range
Min: 0.74   Max: 1.22
Current: 1.27

0.74
1.22
Price/Median PS Value 1.03
BLMT's Price/Median PS Value is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. BLMT: 1.03 )
BLMT' s 10-Year Price/Median PS Value Range
Min: 0.88   Max: 2.06
Current: 1.03

0.88
2.06
Price/Graham Number 1.64
BLMT's Price/Graham Number is ranked higher than
67% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BLMT: 1.64 )
BLMT' s 10-Year Price/Graham Number Range
Min: 1.58   Max: 3.25
Current: 1.64

1.58
3.25
Earnings Yield (Greenblatt) 1.50
BLMT's Earnings Yield (Greenblatt) is ranked higher than
54% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BLMT: 1.50 )
BLMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 1.6
Current: 1.5

0.3
1.6

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
BSB Bancorp Inc was incorporated on June 2, 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 a variety of 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 in Southeast Middlesex County, Massachusetts. The Company's primary lending market includes Essex, Middlesex, Norfolk and Suffolk Counties, Massachusetts. The Company competes with commercial banks, credit unions, savings institutions, 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

Articles On GuruFocus.com
Weekly CEO Buys Highlight: KEG, ANCX, CNOB, BLMT, NEM May 06 2013 
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More From Other Websites
BSB BANCORP, INC. Financials Nov 15 2014
BSB BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 07 2014
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Oct 24 2014
BSB Bancorp, Inc. Reports Third Quarter Results Oct 23 2014
BSB BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 08 2014
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Jul 25 2014
BSB Bancorp, Inc. Reports Second Quarter Results Jul 24 2014
BSB BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 29 2014
BSB BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 09 2014
Insider Trading Alert - EQIX, BLMT And AWRE Traded By Insiders Apr 30 2014
Insider Trading Alert - BLMT, COBZ And OPK Traded By Insiders Apr 29 2014
BSB BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Apr 28 2014
BSB Bancorp, Inc. Reports First Quarter Results Apr 23 2014
BSB Bancorp, Inc., parent of Belmont Savings Bank Appoints Paul E. Petry to Board of Directors Mar 14 2014
BSB Bancorp, Inc., parent of Belmont Savings Bank Appoints Paul E. Petry to Board of Directors Mar 14 2014
BSB BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Mar 14 2014
Belmont Savings CEO Bob Mahoney Wins Boston Business Journal's Most-Admired CEO Award Feb 24 2014
Belmont Savings CEO Bob Mahoney Wins Boston Business Journal's Most-Admired CEO Award Feb 24 2014
BSB BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Feb 24 2014
BSB BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 19 2014

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