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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.74
EBSB's Cash to Debt is ranked higher than
78% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. EBSB: 1.74 )
EBSB' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.74

Equity to Asset 0.09
EBSB's Equity to Asset is ranked higher than
69% of the 1732 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. EBSB: 0.09 )
EBSB' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.19
Current: 0.09

0.09
0.19
Interest Coverage 1.17
EBSB's Interest Coverage is ranked higher than
66% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. EBSB: 1.17 )
EBSB' s 10-Year Interest Coverage Range
Min: 0.09   Max: 1.17
Current: 1.17

0.09
1.17
F-Score: 4
Z-Score: 0.29
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 : 8/10

vs
industry
vs
history
Operating margin (%) 30.38
EBSB's Operating margin (%) is ranked higher than
77% of the 1755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.45 vs. EBSB: 30.38 )
EBSB' s 10-Year Operating margin (%) Range
Min: -491.31   Max: 28.53
Current: 30.38

-491.31
28.53
Net-margin (%) 19.75
EBSB's Net-margin (%) is ranked higher than
73% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.29 vs. EBSB: 19.75 )
EBSB' s 10-Year Net-margin (%) Range
Min: -6.16   Max: 152.32
Current: 19.75

-6.16
152.32
ROE (%) 7.49
EBSB's ROE (%) is ranked higher than
74% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. EBSB: 7.49 )
EBSB' s 10-Year ROE (%) Range
Min: -1.11   Max: 8.01
Current: 7.49

-1.11
8.01
ROA (%) 0.64
EBSB's ROA (%) is ranked higher than
70% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. EBSB: 0.64 )
EBSB' s 10-Year ROA (%) Range
Min: -0.2   Max: 1.02
Current: 0.64

-0.2
1.02
ROC (Joel Greenblatt) (%) 77.43
EBSB's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1726 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 68.75 vs. EBSB: 77.43 )
EBSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -94.17   Max: 60.29
Current: 77.43

-94.17
60.29
Revenue Growth (%) 9.20
EBSB's Revenue Growth (%) is ranked higher than
91% of the 1536 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. EBSB: 9.20 )
EBSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 43.2
Current: 9.2

0
43.2
EBITDA Growth (%) 3.70
EBSB's EBITDA Growth (%) is ranked higher than
69% of the 1385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. EBSB: 3.70 )
EBSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 83.1
Current: 3.7

0
83.1
EPS Growth (%) 5.10
EBSB's EPS Growth (%) is ranked higher than
71% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. EBSB: 5.10 )
EBSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 84.2
Current: 5.1

0
84.2
» EBSB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

EBSB Guru Trades in Q3 2013

Jim Simons 80,700 sh (+18.16%)
» More
Q4 2013

EBSB Guru Trades in Q4 2013

Jim Simons 85,800 sh (+6.32%)
» More
Q1 2014

EBSB Guru Trades in Q1 2014

Jim Simons 103,048 sh (+20.1%)
» More
Q2 2014

EBSB Guru Trades in Q2 2014

Jim Simons 115,600 sh (+12.18%)
» More
» Details

Insider Trades

Latest Guru Trades with EBSB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 30.10
EBSB's P/E(ttm) is ranked higher than
52% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. EBSB: 30.10 )
EBSB' s 10-Year P/E(ttm) Range
Min: 16.63   Max: 1932
Current: 30.1

16.63
1932
P/B 2.30
EBSB's P/B is ranked lower than
51% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. EBSB: 2.30 )
EBSB' s 10-Year P/B Range
Min: 0.83   Max: 2.42
Current: 2.3

0.83
2.42
P/S 5.90
EBSB's P/S is ranked higher than
51% of the 1711 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. EBSB: 5.90 )
EBSB' s 10-Year P/S Range
Min: 0.18   Max: 8.33
Current: 5.9

0.18
8.33
PFCF 34.30
EBSB's PFCF is ranked lower than
57% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. EBSB: 34.30 )
EBSB' s 10-Year PFCF Range
Min: 0.94   Max: 193.4
Current: 34.3

0.94
193.4
EV-to-EBIT 21.18
EBSB's EV-to-EBIT is ranked higher than
69% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.25 vs. EBSB: 21.18 )
EBSB' s 10-Year EV-to-EBIT Range
Min: 6.4   Max: 439.7
Current: 21.18

6.4
439.7
PEG 1.05
EBSB's PEG is ranked higher than
88% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. EBSB: 1.05 )
EBSB' s 10-Year PEG Range
Min: 0.7   Max: 0.97
Current: 1.05

0.7
0.97
Shiller P/E 49.90
EBSB's Shiller P/E is ranked higher than
52% of the 1093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.35 vs. EBSB: 49.90 )
EBSB' s 10-Year Shiller P/E Range
Min: 46.19   Max: 59.55
Current: 49.9

46.19
59.55

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.40
EBSB's Price/Tangible Book is ranked higher than
60% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. EBSB: 2.40 )
EBSB' s 10-Year Price/Tangible Book Range
Min: 0.86   Max: 2.36
Current: 2.4

0.86
2.36
Price/DCF (Projected) 1.60
EBSB's Price/DCF (Projected) is ranked lower than
51% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. EBSB: 1.60 )
EBSB' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.59
Current: 1.6

0.39
1.59
Price/Median PS Value 1.30
EBSB's Price/Median PS Value is ranked higher than
65% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. EBSB: 1.30 )
EBSB' s 10-Year Price/Median PS Value Range
Min: 0.04   Max: 1.85
Current: 1.3

0.04
1.85
Price/Peter Lynch Fair Value 1.20
EBSB's Price/Peter Lynch Fair Value is ranked higher than
90% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. EBSB: 1.20 )
EBSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48   Max: 1.31
Current: 1.2

0.48
1.31
Price/Graham Number 1.80
EBSB's Price/Graham Number is ranked lower than
52% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. EBSB: 1.80 )
EBSB' s 10-Year Price/Graham Number Range
Min: 0.96   Max: 16.53
Current: 1.8

0.96
16.53
Earnings Yield (Greenblatt) 4.70
EBSB's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. EBSB: 4.70 )
EBSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 15.7
Current: 4.7

0.2
15.7
Forward Rate of Return (Yacktman) 38.49
EBSB's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. EBSB: 38.49 )
EBSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.5   Max: 55.1
Current: 38.49

-22.5
55.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Traded in other countries:3MR.Germany
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. The Company operates as a holding company for East Boston Savings Bank that provides various financial services to consumers and businesses in Massachusetts. East Boston Savings Bank is a Massachusetts-chartered stock savings bank that operates from 26 locations and three loan centers in the greater Boston metropolitan area. The Bank operates nine of its locations and a loan center under the name Mt. Washington Bank, a Division of East Boston Savings Bank. It was originally founded in 1848. The Bank offers a variety of deposit and loan products to individuals and businesses located in Suffolk, Middlesex and Essex Counties, Massachusetts. Communities served by EBSB include Belmont, Cambridge, Danvers, East Boston, Everett, Lynn, Medford, Melrose, Peabody, Revere, Saugus, Wakefield and Winthrop. The company offers various deposit instruments, including non-interest-bearing demand deposits comprising checking accounts; interest-bearing demand accounts, such as NOW and money market accounts; savings accounts; and certificates of deposit, as well as commercial checking accounts. It also provides various loan products, which include commercial real estate loans, one to four family residential loans, multi-family real estate loans, construction loans, commercial business loans, home equity lines of credit, and consumer loans, as well as involved in the purchase and sale of loan participation interests. In addition, the company offers non-deposit products consisting of mutual funds, annuities, stocks, and bonds through a third party broker-dealer; and long-term care insurance through a third-party insurance company. Meridian Interstate Bancorp, Inc. is a subsidiary of Meridian Financial Services, Incorporated.
» More Articles for EBSB

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