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Also traded in: Germany

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 0.43
EBSB's Cash to Debt is ranked lower than
59% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. EBSB: 0.43 )
Ranked among companies with meaningful Cash to Debt only.
EBSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 1.03 Max: N/A
Current: 0.43
Equity to Asset 0.15
EBSB's Equity to Asset is ranked higher than
87% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. EBSB: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
EBSB' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.19
Current: 0.15
0.09
0.19
Interest Coverage 1.69
EBSB's Interest Coverage is ranked higher than
53% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. EBSB: 1.69 )
Ranked among companies with meaningful Interest Coverage only.
EBSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 0.99 Max: 1.79
Current: 1.69
0.09
1.79
F-Score: 4
M-Score: -2.45
WACC vs ROIC
4.26%
4.54%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 31.38
EBSB's Operating margin (%) is ranked higher than
52% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. EBSB: 31.38 )
Ranked among companies with meaningful Operating margin (%) only.
EBSB' s Operating margin (%) Range Over the Past 10 Years
Min: -491.31  Med: 23.18 Max: 32.12
Current: 31.38
-491.31
32.12
Net-margin (%) 21.29
EBSB's Net-margin (%) is ranked lower than
54% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. EBSB: 21.29 )
Ranked among companies with meaningful Net-margin (%) only.
EBSB' s Net-margin (%) Range Over the Past 10 Years
Min: -6.16  Med: 16.34 Max: 87.24
Current: 21.29
-6.16
87.24
ROE (%) 4.44
EBSB's ROE (%) is ranked lower than
78% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. EBSB: 4.44 )
Ranked among companies with meaningful ROE (%) only.
EBSB' s ROE (%) Range Over the Past 10 Years
Min: -1.38  Med: 4.81 Max: 6.43
Current: 4.44
-1.38
6.43
ROA (%) 0.73
EBSB's ROA (%) is ranked lower than
59% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. EBSB: 0.73 )
Ranked among companies with meaningful ROA (%) only.
EBSB' s ROA (%) Range Over the Past 10 Years
Min: -0.2  Med: 0.60 Max: 0.88
Current: 0.73
-0.2
0.88
Revenue Growth (3Y)(%) 10.20
EBSB's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. EBSB: 10.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EBSB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.30 Max: 43.1
Current: 10.2
0
43.1
EBITDA Growth (3Y)(%) 24.00
EBSB's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. EBSB: 24.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EBSB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.05 Max: 81.4
Current: 24
0
81.4
EPS Growth (3Y)(%) 26.00
EBSB's EPS Growth (3Y)(%) is ranked higher than
83% of the 1211 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. EBSB: 26.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EBSB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 84
Current: 26
0
84
» EBSB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

EBSB Guru Trades in Q2 2015

Paul Tudor Jones 16,285 sh (New)
Jim Simons 1,292,297 sh (+48.27%)
Michael Price 100,000 sh (unchged)
Chuck Royce 192,100 sh (unchged)
» More
Q3 2015

EBSB Guru Trades in Q3 2015

Paul Tudor Jones 31,643 sh (+94.31%)
Chuck Royce 219,900 sh (+14.47%)
Jim Simons 1,363,808 sh (+5.53%)
Michael Price 100,000 sh (unchged)
» More
Q4 2015

EBSB Guru Trades in Q4 2015

Paul Tudor Jones 32,826 sh (+3.74%)
Chuck Royce 219,900 sh (unchged)
Michael Price 100,000 sh (unchged)
Jim Simons 1,252,427 sh (-8.17%)
» More
Q1 2016

EBSB Guru Trades in Q1 2016

Chuck Royce 336,900 sh (+53.21%)
Jim Simons 1,342,644 sh (+7.20%)
Michael Price 100,000 sh (unchged)
Paul Tudor Jones 31,430 sh (-4.25%)
» 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:BHLB, NAS:DCOM, NAS:UBNK, NAS:FFIC, NAS:BOFI, NAS:HMST, NAS:OCFC, NAS:LOB, NAS:ABCW, NAS:WSBF, NAS:CASH, NAS:KRNY, NAS:FDEF, NAS:BSF, NAS:CSBK, NAS:BKMU, NYSE:PFS, NAS:UCFC, NAS:TBNK, NAS:BFIN » details
Traded in other countries:3MR.Germany,
Meridian Bancorp Inc, formerly Meridian Interstate Bancorp Inc is a Massachusetts corporation & hloding company of East Boston Savings Bank. The Company offers deposit and loan products to individuals and businesses.

Meridian Bancorp, Inc was incorporated on March 6, 2014 is a Maryland corporation and established as the holding company of East Boston Savings Bank. The Company owns all of East Boston Savings Bank's 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 conducts its business from 27 full-service locations and three loan centers in the greater Boston metropolitan area. The Bank operates nine of its full-service locations and a loan center under the name Mt. Washington Bank, a Division of East Boston Savings Bank. It offers deposit and loan products to individuals and businesses located in its primary market, which consists of Suffolk, Middlesex and Essex Counties, Massachusetts. It attracts deposits from the general public and uses those funds to originate one- to four-family real estate, multi-family and commercial real estate, construction, commercial business and consumer loans. Its lending business also involves the purchase and sale of loan participation interests. It also offers non-deposit financial products through a third-party network arrangement. It face competition for the attraction of deposits and origination of loans from many financial institutions. The Company complies monetary and fiscal policies of various agencies of the United States Government, including the Federal Reserve Board.

Ratios

vs
industry
vs
history
P/E(ttm) 30.19
EBSB's P/E(ttm) is ranked lower than
90% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. EBSB: 30.19 )
Ranked among companies with meaningful P/E(ttm) only.
EBSB' s P/E(ttm) Range Over the Past 10 Years
Min: 16.52  Med: 29.39 Max: 3870
Current: 30.19
16.52
3870
Forward P/E 26.11
EBSB's Forward P/E is ranked lower than
96% of the 443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. EBSB: 26.11 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 30.19
EBSB's PE(NRI) is ranked lower than
90% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. EBSB: 30.19 )
Ranked among companies with meaningful PE(NRI) only.
EBSB' s PE(NRI) Range Over the Past 10 Years
Min: 16.52  Med: 29.30 Max: 99999999.99
Current: 30.19
16.52
99999999.99
Price/Owner Earnings (ttm) 29.76
EBSB's Price/Owner Earnings (ttm) is ranked lower than
90% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. EBSB: 29.76 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
EBSB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 11.51  Med: 26.02 Max: 133.75
Current: 29.76
11.51
133.75
P/B 1.32
EBSB's P/B is ranked lower than
74% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. EBSB: 1.32 )
Ranked among companies with meaningful P/B only.
EBSB' s P/B Range Over the Past 10 Years
Min: 0.83  Med: 1.27 Max: 2.42
Current: 1.32
0.83
2.42
P/S 6.58
EBSB's P/S is ranked lower than
89% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. EBSB: 6.58 )
Ranked among companies with meaningful P/S only.
EBSB' s P/S Range Over the Past 10 Years
Min: 3.23  Med: 5.10 Max: 6.89
Current: 6.58
3.23
6.89
PFCF 25.16
EBSB's PFCF is ranked lower than
87% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. EBSB: 25.16 )
Ranked among companies with meaningful PFCF only.
EBSB' s PFCF Range Over the Past 10 Years
Min: 0.67  Med: 25.42 Max: 322.5
Current: 25.16
0.67
322.5
POCF 21.96
EBSB's POCF is ranked lower than
89% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. EBSB: 21.96 )
Ranked among companies with meaningful POCF only.
EBSB' s POCF Range Over the Past 10 Years
Min: 8.29  Med: 24.20 Max: 277.14
Current: 21.96
8.29
277.14
EV-to-EBIT 20.21
EBSB's EV-to-EBIT is ranked lower than
76% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. EBSB: 20.21 )
Ranked among companies with meaningful EV-to-EBIT only.
EBSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -3178.2  Med: 18.30 Max: 439.3
Current: 20.21
-3178.2
439.3
EV-to-EBITDA 18.77
EBSB's EV-to-EBITDA is ranked lower than
77% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. EBSB: 18.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
EBSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -129.2  Med: 17.30 Max: 768.4
Current: 18.77
-129.2
768.4
PEG 2.19
EBSB's PEG is ranked lower than
74% of the 731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. EBSB: 2.19 )
Ranked among companies with meaningful PEG only.
EBSB' s PEG Range Over the Past 10 Years
Min: 0.61  Med: 1.85 Max: 2.34
Current: 2.19
0.61
2.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.81
EBSB's Dividend Yield is ranked lower than
92% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. EBSB: 0.81 )
Ranked among companies with meaningful Dividend Yield only.
EBSB' s Dividend Yield Range Over the Past 10 Years
Min: 0.2  Med: 0.46 Max: 0.81
Current: 0.81
0.2
0.81
Dividend Payout 0.19
EBSB's Dividend Payout is ranked higher than
78% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. EBSB: 0.19 )
Ranked among companies with meaningful Dividend Payout only.
EBSB' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.23 Max: 0.27
Current: 0.19
0.21
0.27
Forward Dividend Yield 0.81
EBSB's Forward Dividend Yield is ranked lower than
94% of the 2109 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. EBSB: 0.81 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.81
EBSB's Yield on cost (5-Year) is ranked lower than
92% of the 2505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.58 vs. EBSB: 0.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EBSB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.2  Med: 0.46 Max: 0.81
Current: 0.81
0.2
0.81
3-Year Average Share Buyback Ratio -0.10
EBSB's 3-Year Average Share Buyback Ratio is ranked higher than
73% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. EBSB: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EBSB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.1  Med: 0.90 Max: 0
Current: -0.1
-0.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
EBSB's Price/Tangible Book is ranked lower than
67% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. EBSB: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
EBSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.86  Med: 1.31 Max: 2.36
Current: 1.35
0.86
2.36
Price/Projected FCF 1.09
EBSB's Price/Projected FCF is ranked lower than
82% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. EBSB: 1.09 )
Ranked among companies with meaningful Price/Projected FCF only.
EBSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.88  Med: 1.27 Max: 1.59
Current: 1.09
0.88
1.59
Price/Median PS Value 1.29
EBSB's Price/Median PS Value is ranked lower than
84% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. EBSB: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
EBSB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.64  Med: 0.92 Max: 1.28
Current: 1.29
0.64
1.28
Price/Peter Lynch Fair Value 1.87
EBSB's Price/Peter Lynch Fair Value is ranked lower than
87% of the 434 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. EBSB: 1.87 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EBSB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.48  Med: 1.50 Max: 2.17
Current: 1.87
0.48
2.17
Price/Graham Number 1.34
EBSB's Price/Graham Number is ranked lower than
86% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. EBSB: 1.34 )
Ranked among companies with meaningful Price/Graham Number only.
EBSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.94  Med: 1.29 Max: 1.85
Current: 1.34
0.94
1.85
Earnings Yield (Greenblatt) (%) 4.94
EBSB's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. EBSB: 4.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EBSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 5.10 Max: 15.6
Current: 4.94
0.2
15.6
Forward Rate of Return (Yacktman) (%) 18.71
EBSB's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 844 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.22 vs. EBSB: 18.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EBSB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.4  Med: 16.40 Max: 48.1
Current: 18.71
1.4
48.1

More Statistics

Revenue (TTM) (Mil) $122.1
EPS (TTM) $ 0.49
Beta0.25
Short Percentage of Float2.43%
52-Week Range $12.02 - 15.71
Shares Outstanding (Mil)53.93

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.57 0.70
EPS w/o NRI ($) 0.57 0.70
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for EBSB

Headlines

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