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18.2 (1y: +33%)
Market Cap 400.49 M P/E(ttm) 30.10
Enterprise Value 587.21 M P/B 1.70
EBSB- NAS (USA)
Meridian Interstate Bancorp, Inc.
Not Rated
Top Ranked Predictable Companies
$18.20
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.578
EBSB's Cash to Debt is ranked higher than
69% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. EBSB: 0.578 )
EBSB' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.58
Equity to Asset 0.103
EBSB's Equity to Asset is ranked higher than
70% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. EBSB: 0.103 )
EBSB' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.18
Current: 0.1
0.1
0.18
Interest Coverage No Debt
EBSB's Interest Coverage is ranked higher than
50% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. EBSB: No Debt )
EBSB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.36
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 : 7/10

vs
industry		 vs
history
Operating margin (%) 21.50
EBSB's Operating margin (%) is ranked higher than
65% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.80 vs. EBSB: 21.50 )
EBSB' s 10-Year Operating margin (%) Range
Min: -9.9   Max: 28.5
Current: 21.5
-9.9
28.5
Net-margin (%) 14.2
EBSB's Net-margin (%) is ranked higher than
63% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.70 vs. EBSB: 14.2 )
EBSB' s 10-Year Net-margin (%) Range
Min: -6.2   Max: 24
Current: 14.2
-6.2
24
ROE (%) 5.3
EBSB's ROE (%) is ranked higher than
65% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. EBSB: 5.3 )
EBSB' s 10-Year ROE (%) Range
Min: -1.1   Max: 8
Current: 5.3
-1.1
8
ROA (%) 0.5
EBSB's ROA (%) is ranked higher than
65% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. EBSB: 0.5 )
EBSB' s 10-Year ROA (%) Range
Min: -0.2   Max: 1
Current: 0.5
-0.2
1
Revenue Growth (%) 20.2
EBSB's Revenue Growth (%) is ranked higher than
98% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 20.2 )
EBSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 30.9
Current: 20.2
0
30.9
EBITDA Growth (%) 30.3
EBSB's EBITDA Growth (%) is ranked higher than
96% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 30.3 )
EBSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 55.4
Current: 30.3
0
55.4
EPS Growth (%) 35.3
EBSB's EPS Growth (%) is ranked higher than
97% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 35.3 )
EBSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 57.6
Current: 35.3
0
57.6
ยป EBSB's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

EBSB Guru Trades in Q2 2012

Jim Simons 55,100 sh (+4.75%)
» More
Q3 2012

EBSB Guru Trades in Q3 2012

Jim Simons 55,212 sh (+0.2%)
» More
Q4 2012

EBSB Guru Trades in Q4 2012

Jim Simons 59,500 sh (+7.77%)
» More
Q1 2013

EBSB Guru Trades in Q1 2013

Jim Simons 64,300 sh (+8.07%)
» More
» Details

Insider Trades

Latest Guru Trades with EBSB



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 30.10
EBSB's P/E(ttm) is ranked lower than
62% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.60 vs. EBSB: 30.10 )
EBSB' s 10-Year P/E(ttm) Range
Min: 16.66   Max: 1892
Current: 30.1
16.66
1892
P/B 1.70
EBSB's P/B is ranked lower than
62% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. EBSB: 1.70 )
EBSB' s 10-Year P/B Range
Min: 0.79   Max: 1.73
Current: 1.7
0.79
1.73
P/S 4.44
EBSB's P/S is ranked lower than
61% of the 1433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.33 vs. EBSB: 4.44 )
EBSB' s 10-Year P/S Range
Min: 3.23   Max: 26.46
Current: 4.44
3.23
26.46
EV-to-EBIT 29.4
EBSB's EV-to-EBIT is ranked lower than
58% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.26 vs. EBSB: 29.4 )
EBSB' s 10-Year EV-to-EBIT Range
Min: 6.4   Max: 439.7
Current: 29.4
6.4
439.7

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.8
EBSB's Price/Tangible Book is ranked lower than
60% of the 1191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. EBSB: 1.8 )
EBSB' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 1.7
Current: 1.8
0.9
1.7
Price/DCF (Projected) 1.5
EBSB's Price/DCF (Projected) is ranked lower than
70% of the 679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. EBSB: 1.5 )
EBSB' s 10-Year Price/DCF (Projected) Range
Min: 1.5   Max: 1.5
Current: 1.5
Price/Median PS Value 1
EBSB's Price/Median PS Value is ranked lower than
52% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. EBSB: 1 )
EBSB' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.4
Current: 1
0.8
1.4
Price/Graham Number 1.6
EBSB's Price/Graham Number is ranked lower than
66% of the 1094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. EBSB: 1.6 )
EBSB' s 10-Year Price/Graham Number Range
Min: 1.1   Max: 1.5
Current: 1.6
1.1
1.5
Earnings Yield (Greenblatt) 3.40
EBSB's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.10 vs. EBSB: 3.40 )
EBSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 15.7
Current: 3.4
0.2
15.7
Forward Rate of Return (Yacktman) 1.51
EBSB's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 1.51 )
EBSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.8   Max: 3.2
Current: 1.51
1.8
3.2

Business Description

Meridian Interstate Bancorp, Inc. is a Massachusetts mid-tier stock holding company that was formed in 2006 by East Boston Savings Bank to be its holding company. it owns all of East Boston Savings Bank's capital stock and directs, plans and coordinates East Boston Savings Bank's business activities. East Boston Savings Bank is a Massachusetts-chartered stock savings bank that operates from more than 10 full-service locations and one loan center in the greater Boston metropolitan area. East Boston Savings Bank was originally founded in 1848. The Company offers a variety of deposit and loan products to individuals and businesses located in its primary market, which consists of Essex, Middlesex and Suffolk Counties, Massachusetts. The Company operates as a community-oriented financial institution offering financial services to consumers and businesses in its market area. The Company attracts deposits from the general public and use those funds to originate one- to four-family real estate, multi-family and commercial real estate, construction, commercial business and consumer loans which it mainly hold for investment. In addition, a segment of its lending business involves the purchase and sale of loan participation interests. The Company also offers loans secured by one- to four-family properties that are not owner-occupied. These loans consist mainly of bi-weekly fixed-rate loans with terms up to 30 years and adjustable-rate loans which adjust annually after an initial fixed period of three years or adjust every three years after an initial fixed period of five years. The Company originates a variety of fixed- and adjustable-rate commercial real estate and multi-family real estate loans for terms up to 25 years. The Company mainly makes construction loans for commercial development projects, including apartment buildings, small industrial buildings and retail and office buildings. The Company also originates construction and site development loans to contractors and builders to finance the construction of single-family homes and subdivisions. The Company offers customers a range of non-deposit products, including mutual funds, annuities, stocks and bonds which are offered and cleared by a third-party broker-dealer. The Company receives a portion of the commissions generated by its sales to its customers.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
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Traded in other countries:3JB.Germany
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