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13.5 (1y: +9%)
Market Cap 124.7 M P/E(ttm) 90.00
Enterprise Value 200.73 M P/B 0.90
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt 0.636
BLMT's Cash to Debt is ranked higher than
50% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. BLMT: 0.636 )
BLMT' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.64
Current: 0.64
0.05
0.64
Equity to Asset 0.159
BLMT's Equity to Asset is ranked higher than
79% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BLMT: 0.159 )
BLMT' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.2
Current: 0.16
0.09
0.2
Interest Coverage No Debt
BLMT's Interest Coverage is ranked lower than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BLMT: No Debt )
BLMT' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 8.00
BLMT's Operating margin (%) is ranked lower than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. BLMT: 8.00 )
BLMT' s 10-Year Operating margin (%) Range
Min: 2.8   Max: 36.3
Current: 8
2.8
36.3
Net-margin (%) 5.3
BLMT's Net-margin (%) is ranked lower than
83% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. BLMT: 5.3 )
BLMT' s 10-Year Net-margin (%) Range
Min: 1.4   Max: 20.2
Current: 5.3
1.4
20.2
ROE (%) 1.1
BLMT's ROE (%) is ranked lower than
75% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. BLMT: 1.1 )
BLMT' s 10-Year ROE (%) Range
Min: 0.2   Max: 7.8
Current: 1.1
0.2
7.8
ROA (%) 0.2
BLMT's ROA (%) is ranked lower than
79% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. BLMT: 0.2 )
BLMT' s 10-Year ROA (%) Range
Min: 0.2   Max: 0.7
Current: 0.2
0.2
0.7
ROC (Joel Greenblatt) (%) 6.40
BLMT's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BLMT: 6.40 )
BLMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.4   Max: 6.4
Current: 6.4
ยป BLMT's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

BLMT Guru Trades in Q2 2012

John Keeley 17,500 sh (unchged)
» More
Q3 2012

BLMT Guru Trades in Q3 2012

John Keeley 17,500 sh (unchged)
» More
Q4 2012

BLMT Guru Trades in Q4 2012

John Keeley 17,500 sh (unchged)
» More
Q1 2013

BLMT Guru Trades in Q1 2013

Jim Simons 27,139 sh (New)
John Keeley 17,500 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with BLMT

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 $ 13.4483%17500
John Keeley 2011-12-31 New Buy$10.14 - $10.5734 $ 13.44150%10000
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 90.00
BLMT's P/E(ttm) is ranked lower than
97% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BLMT: 90.00 )
BLMT' s 10-Year P/E(ttm) Range
Min: 80.6   Max: 256.2
Current: 90
80.6
256.2
P/B 0.90
BLMT's P/B is ranked higher than
52% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. BLMT: 0.90 )
BLMT' s 10-Year P/B Range
Min: 0.72   Max: 0.95
Current: 0.9
0.72
0.95
P/S 4.40
BLMT's P/S is ranked lower than
84% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. BLMT: 4.40 )
BLMT' s 10-Year P/S Range
Min: 4.15   Max: 18.04
Current: 4.4
4.15
18.04
PFCF 4.30
BLMT's PFCF is ranked higher than
65% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BLMT: 4.30 )
BLMT' s 10-Year PFCF Range
Min: 2.24   Max: 8.01
Current: 4.3
2.24
8.01
EV-to-EBIT 100
BLMT's EV-to-EBIT is ranked lower than
94% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. BLMT: 100 )
BLMT' s 10-Year EV-to-EBIT Range
Min: 69.8   Max: 85.4
Current: 100
69.8
85.4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
BLMT's Price/Tangible Book is ranked higher than
62% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BLMT: 0.9 )
BLMT' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 0.8
Current: 0.9
0.7
0.8
Price/Median PS Value 0.8
BLMT's Price/Median PS Value is ranked higher than
70% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BLMT: 0.8 )
BLMT' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 0.7
Current: 0.8
Price/Graham Number 1.8
BLMT's Price/Graham Number is ranked lower than
95% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BLMT: 1.8 )
BLMT' s 10-Year Price/Graham Number Range
Min: 1.6   Max: 3.2
Current: 1.8
1.6
3.2
Earnings Yield (Greenblatt) 1.00
BLMT's Earnings Yield (Greenblatt) is ranked lower than
78% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. BLMT: 1.00 )
BLMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 1.4
Current: 1
1
1.4

Business Description

BSB Bancorp Inc was was incorporated in June, 2011 to become 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 attracting 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. The Company offers increased interest rates and reduced fees on its "PlatinumBlue" relationship checking and savings accounts. It conducts its operations from its four full-service branch offices located in Belmont and Watertown in Southeast Middlesex County, Massachusetts. The Company's primary lending market includes Essex, Middlesex, Norfolk and Suffolk Counties, Massachusetts.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:
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