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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.49
EBSB's Cash to Debt is ranked higher than
56% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. EBSB: 2.49 )
Ranked among companies with meaningful Cash to Debt only.
EBSB' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.79 Max: N/A
Current: 2.49
Equity to Asset 0.17
EBSB's Equity to Asset is ranked higher than
89% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. EBSB: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
EBSB' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.12 Max: 0.19
Current: 0.17
0.09
0.19
Interest Coverage 1.63
EBSB's Interest Coverage is ranked higher than
50% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. EBSB: 1.63 )
Ranked among companies with meaningful Interest Coverage only.
EBSB' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.99 Max: 1.63
Current: 1.63
0.09
1.63
F-Score: 5
WACC vs ROIC
5.16%
7.54%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 33.58
EBSB's Operating margin (%) is ranked higher than
59% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. EBSB: 33.58 )
Ranked among companies with meaningful Operating margin (%) only.
EBSB' s 10-Year Operating margin (%) Range
Min: -491.31  Med: 14.25 Max: 32.12
Current: 33.58
-491.31
32.12
Net-margin (%) 22.31
EBSB's Net-margin (%) is ranked higher than
52% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. EBSB: 22.31 )
Ranked among companies with meaningful Net-margin (%) only.
EBSB' s 10-Year Net-margin (%) Range
Min: -6.16  Med: 18.39 Max: 152.32
Current: 22.31
-6.16
152.32
ROE (%) 5.33
EBSB's ROE (%) is ranked lower than
70% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. EBSB: 5.33 )
Ranked among companies with meaningful ROE (%) only.
EBSB' s 10-Year ROE (%) Range
Min: -1.38  Med: 5.44 Max: 8.46
Current: 5.33
-1.38
8.46
ROA (%) 0.77
EBSB's ROA (%) is ranked lower than
55% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. EBSB: 0.77 )
Ranked among companies with meaningful ROA (%) only.
EBSB' s 10-Year ROA (%) Range
Min: -0.2  Med: 0.63 Max: 1.06
Current: 0.77
-0.2
1.06
ROC (Joel Greenblatt) (%) 92.96
EBSB's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. EBSB: 92.96 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EBSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -98.6  Med: 49.55 Max: 85.9
Current: 92.96
-98.6
85.9
Revenue Growth (3Y)(%) 12.80
EBSB's Revenue Growth (3Y)(%) is ranked higher than
83% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. EBSB: 12.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EBSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.60 Max: 43.2
Current: 12.8
0
43.2
EBITDA Growth (3Y)(%) 23.00
EBSB's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. EBSB: 23.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EBSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 83.1
Current: 23
0
83.1
EPS Growth (3Y)(%) 24.10
EBSB's EPS Growth (3Y)(%) is ranked higher than
77% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. EBSB: 24.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EBSB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 84.2
Current: 24.1
0
84.2
» EBSB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

EBSB Guru Trades in Q2 2014

Jim Simons 115,600 sh (+12.18%)
» More
Q3 2014

EBSB Guru Trades in Q3 2014

Michael Price 100,000 sh (New)
Jim Simons 799,455 sh (+182.46%)
» More
Q4 2014

EBSB Guru Trades in Q4 2014

Jim Simons 855,366 sh (+6.99%)
Michael Price 100,000 sh (unchged)
» More
Q1 2015

EBSB Guru Trades in Q1 2015

Chuck Royce 192,100 sh (New)
Jim Simons 871,558 sh (+1.89%)
Michael Price 100,000 sh (unchged)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 29.27
EBSB's P/E(ttm) is ranked lower than
88% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. EBSB: 29.27 )
Ranked among companies with meaningful P/E(ttm) only.
EBSB' s 10-Year P/E(ttm) Range
Min: 16.63  Med: 29.06 Max: 1932
Current: 29.27
16.63
1932
Forward P/E 26.60
EBSB's Forward P/E is ranked lower than
95% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. EBSB: 26.60 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 29.40
EBSB's PE(NRI) is ranked lower than
88% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. EBSB: 29.40 )
Ranked among companies with meaningful PE(NRI) only.
EBSB' s 10-Year PE(NRI) Range
Min: 16.5  Med: 29.34 Max: 388.4
Current: 29.4
16.5
388.4
P/B 1.21
EBSB's P/B is ranked lower than
62% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. EBSB: 1.21 )
Ranked among companies with meaningful P/B only.
EBSB' s 10-Year P/B Range
Min: 0.83  Med: 1.24 Max: 2.42
Current: 1.21
0.83
2.42
P/S 6.47
EBSB's P/S is ranked lower than
88% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. EBSB: 6.47 )
Ranked among companies with meaningful P/S only.
EBSB' s 10-Year P/S Range
Min: 0.18  Med: 4.60 Max: 8.33
Current: 6.47
0.18
8.33
PFCF 35.25
EBSB's PFCF is ranked lower than
88% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. EBSB: 35.25 )
Ranked among companies with meaningful PFCF only.
EBSB' s 10-Year PFCF Range
Min: 4.45  Med: 24.70 Max: 386.8
Current: 35.25
4.45
386.8
POCF 31.79
EBSB's POCF is ranked lower than
91% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. EBSB: 31.79 )
Ranked among companies with meaningful POCF only.
EBSB' s 10-Year POCF Range
Min: 0.94  Med: 23.84 Max: 388.4
Current: 31.79
0.94
388.4
EV-to-EBIT 13.45
EBSB's EV-to-EBIT is ranked higher than
50% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. EBSB: 13.45 )
Ranked among companies with meaningful EV-to-EBIT only.
EBSB' s 10-Year EV-to-EBIT Range
Min: -3180.8  Med: 14.20 Max: 439.7
Current: 13.45
-3180.8
439.7
PEG 1.05
EBSB's PEG is ranked higher than
51% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. EBSB: 1.05 )
Ranked among companies with meaningful PEG only.
EBSB' s 10-Year PEG Range
Min: 0.7  Med: 1.84 Max: 2.43
Current: 1.05
0.7
2.43
Shiller P/E 46.49
EBSB's Shiller P/E is ranked lower than
92% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. EBSB: 46.49 )
Ranked among companies with meaningful Shiller P/E only.
EBSB' s 10-Year Shiller P/E Range
Min: 44  Med: 48.09 Max: 59.55
Current: 46.49
44
59.55
Days Sales Outstanding 25.65
EBSB's Days Sales Outstanding is ranked higher than
68% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. EBSB: 25.65 )
Ranked among companies with meaningful Days Sales Outstanding only.
EBSB' s 10-Year Days Sales Outstanding Range
Min: 27.13  Med: 46.28 Max: 531.84
Current: 25.65
27.13
531.84

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
EBSB's Price/Tangible Book is ranked lower than
56% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. EBSB: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
EBSB' s 10-Year Price/Tangible Book Range
Min: 0.86  Med: 1.27 Max: 2.36
Current: 1.26
0.86
2.36
Price/Projected FCF 1.04
EBSB's Price/Projected FCF is ranked lower than
77% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. EBSB: 1.04 )
Ranked among companies with meaningful Price/Projected FCF only.
EBSB' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 1.36 Max: 1.6
Current: 1.04
0.39
1.6
Price/Median PS Value 1.40
EBSB's Price/Median PS Value is ranked lower than
82% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. EBSB: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
EBSB' s 10-Year Price/Median PS Value Range
Min: 0.04  Med: 0.99 Max: 1.77
Current: 1.4
0.04
1.77
Price/Peter Lynch Fair Value 2.38
EBSB's Price/Peter Lynch Fair Value is ranked lower than
91% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. EBSB: 2.38 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EBSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48  Med: 1.31 Max: 2.4
Current: 2.38
0.48
2.4
Price/Graham Number 1.29
EBSB's Price/Graham Number is ranked lower than
82% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. EBSB: 1.29 )
Ranked among companies with meaningful Price/Graham Number only.
EBSB' s 10-Year Price/Graham Number Range
Min: 0.96  Med: 1.30 Max: 16.53
Current: 1.29
0.96
16.53
Earnings Yield (Greenblatt) (%) 7.38
EBSB's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. EBSB: 7.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EBSB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 5.50 Max: 15.7
Current: 7.38
0.2
15.7
Forward Rate of Return (Yacktman) (%) 14.46
EBSB's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. EBSB: 14.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EBSB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.4  Med: 14.50 Max: 47.3
Current: 14.46
1.4
47.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Traded in other countries:3MR.Germany,
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.
» More Articles for NAS:EBSB

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