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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.98
EBSB's Cash-to-Debt is ranked lower than
62% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. EBSB: 0.98 )
Ranked among companies with meaningful Cash-to-Debt only.
EBSB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.98 Max: N/A
Current: 0.98
Equity-to-Asset 0.14
EBSB's Equity-to-Asset is ranked higher than
81% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. EBSB: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
EBSB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.13 Max: 0.18
Current: 0.14
0.09
0.18
Interest Coverage 1.92
EBSB's Interest Coverage is ranked higher than
54% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. EBSB: 1.92 )
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: 1.92
Current: 1.92
0.09
1.92
Piotroski F-Score: 6
Beneish M-Score: -2.53
WACC vs ROIC
4.26%
5.35%
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 % 38.08
EBSB's Operating Margin % is ranked higher than
69% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. EBSB: 38.08 )
Ranked among companies with meaningful Operating Margin % only.
EBSB' s Operating Margin % Range Over the Past 10 Years
Min: -9.87  Med: 25.12 Max: 38.08
Current: 38.08
-9.87
38.08
Net Margin % 25.00
EBSB's Net Margin % is ranked higher than
61% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. EBSB: 25.00 )
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: 25
Current: 25
-6.16
25
ROE % 5.77
EBSB's ROE % is ranked lower than
69% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. EBSB: 5.77 )
Ranked among companies with meaningful ROE % only.
EBSB' s ROE % Range Over the Past 10 Years
Min: -1.38  Med: 5.44 Max: 6.43
Current: 5.77
-1.38
6.43
ROA % 0.86
EBSB's ROA % is ranked lower than
51% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. EBSB: 0.86 )
Ranked among companies with meaningful ROA % only.
EBSB' s ROA % Range Over the Past 10 Years
Min: -0.2  Med: 0.63 Max: 0.88
Current: 0.86
-0.2
0.88
3-Year Revenue Growth Rate 14.20
EBSB's 3-Year Revenue Growth Rate is ranked higher than
84% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. EBSB: 14.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
EBSB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.75 Max: 43.1
Current: 14.2
0
43.1
3-Year EBITDA Growth Rate 29.50
EBSB's 3-Year EBITDA Growth Rate is ranked higher than
88% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. EBSB: 29.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
EBSB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4 Max: 81.6
Current: 29.5
0
81.6
3-Year EPS without NRI Growth Rate 30.90
EBSB's 3-Year EPS without NRI Growth Rate is ranked higher than
87% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. EBSB: 30.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
EBSB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.6 Max: 84
Current: 30.9
0
84
GuruFocus has detected 5 Warning Signs with Meridian Bancorp Inc $EBSB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» EBSB's 10-Y Financials

Financials (Next Earnings Date: 2017-04-24 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q2 2016

EBSB Guru Trades in Q2 2016

Jim Simons 1,348,844 sh (+0.46%)
Michael Price 100,000 sh (unchged)
Chuck Royce 336,900 sh (unchged)
Paul Tudor Jones 29,549 sh (-5.98%)
» More
Q3 2016

EBSB Guru Trades in Q3 2016

Jim Simons 1,377,244 sh (+2.11%)
Michael Price 100,000 sh (unchged)
Paul Tudor Jones 26,407 sh (-10.63%)
Chuck Royce 269,400 sh (-20.04%)
» More
Q4 2016

EBSB Guru Trades in Q4 2016

Jim Simons 1,558,158 sh (+13.14%)
Paul Tudor Jones 28,276 sh (+7.08%)
Michael Price 100,000 sh (unchged)
Chuck Royce 224,000 sh (-16.85%)
» 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    NAICS: 522120    SIC: 6021
Compare:NAS:OCFC, NAS:UBNK, NAS:CASH, NAS:FFIC, NAS:DCOM, NAS:LOB, NYSE:BHLB, NAS:HMST, NAS:KRNY, NAS:HONE, NAS:WSBF, NAS:FDEF, NAS:BKMU, NAS:UCFC, NYSE:FBC, NAS:HIFS, NAS:CSBK, NAS:EBTC, NAS:BSF, NAS:TBNK » 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
PE Ratio 27.66
EBSB's PE Ratio is ranked lower than
88% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. EBSB: 27.66 )
Ranked among companies with meaningful PE Ratio only.
EBSB' s PE Ratio Range Over the Past 10 Years
Min: 16.52  Med: 29.38 Max: 3870
Current: 27.66
16.52
3870
Forward PE Ratio 22.68
EBSB's Forward PE Ratio is ranked lower than
93% of the 407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.26 vs. EBSB: 22.68 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 27.66
EBSB's PE Ratio without NRI is ranked lower than
88% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. EBSB: 27.66 )
Ranked among companies with meaningful PE Ratio without NRI only.
EBSB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 16.52  Med: 29.3 Max: 99999999.99
Current: 27.66
16.52
99999999.99
Price-to-Owner-Earnings 25.97
EBSB's Price-to-Owner-Earnings is ranked lower than
85% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. EBSB: 25.97 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
EBSB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.51  Med: 26.63 Max: 133.75
Current: 25.97
11.51
133.75
PB Ratio 1.58
EBSB's PB Ratio is ranked lower than
76% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. EBSB: 1.58 )
Ranked among companies with meaningful PB Ratio only.
EBSB' s PB Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.29 Max: 2.42
Current: 1.58
0.83
2.42
PS Ratio 6.75
EBSB's PS Ratio is ranked lower than
90% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. EBSB: 6.75 )
Ranked among companies with meaningful PS Ratio only.
EBSB' s PS Ratio Range Over the Past 10 Years
Min: 3.23  Med: 5.44 Max: 11.83
Current: 6.75
3.23
11.83
Price-to-Free-Cash-Flow 23.15
EBSB's Price-to-Free-Cash-Flow is ranked lower than
84% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. EBSB: 23.15 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EBSB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 9.69  Med: 26.52 Max: 322.5
Current: 23.15
9.69
322.5
Price-to-Operating-Cash-Flow 21.01
EBSB's Price-to-Operating-Cash-Flow is ranked lower than
86% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. EBSB: 21.01 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EBSB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 8.29  Med: 24.18 Max: 277.14
Current: 21.01
8.29
277.14
EV-to-EBIT 18.35
EBSB's EV-to-EBIT is ranked lower than
70% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. EBSB: 18.35 )
Ranked among companies with meaningful EV-to-EBIT only.
EBSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -3178.2  Med: 17.65 Max: 439.3
Current: 18.35
-3178.2
439.3
EV-to-EBITDA 17.33
EBSB's EV-to-EBITDA is ranked lower than
72% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. EBSB: 17.33 )
Ranked among companies with meaningful EV-to-EBITDA only.
EBSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -129.2  Med: 17.45 Max: 2029.1
Current: 17.33
-129.2
2029.1
PEG Ratio 1.29
EBSB's PEG Ratio is ranked higher than
54% of the 767 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. EBSB: 1.29 )
Ranked among companies with meaningful PEG Ratio only.
EBSB' s PEG Ratio Range Over the Past 10 Years
Min: 0.61  Med: 1.65 Max: 2.36
Current: 1.29
0.61
2.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.73
EBSB's Dividend Yield % is ranked lower than
93% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. EBSB: 0.73 )
Ranked among companies with meaningful Dividend Yield % only.
EBSB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.2  Med: 0.64 Max: 0.83
Current: 0.73
0.2
0.83
Dividend Payout Ratio 0.18
EBSB's Dividend Payout Ratio is ranked higher than
80% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. EBSB: 0.18 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EBSB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.16 Max: 0.19
Current: 0.18
0.13
0.19
Forward Dividend Yield % 0.90
EBSB's Forward Dividend Yield % is ranked lower than
93% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. EBSB: 0.90 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.73
EBSB's 5-Year Yield-on-Cost % is ranked lower than
95% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. EBSB: 0.73 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EBSB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.2  Med: 0.64 Max: 0.83
Current: 0.73
0.2
0.83
3-Year Average Share Buyback Ratio 0.50
EBSB's 3-Year Average Share Buyback Ratio is ranked higher than
81% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. EBSB: 0.50 )
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: 0.9 Max: 0
Current: 0.5
-0.1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.60
EBSB's Price-to-Tangible-Book is ranked lower than
69% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. EBSB: 1.60 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EBSB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.98  Med: 1.35 Max: 2.13
Current: 1.6
0.98
2.13
Price-to-Intrinsic-Value-Projected-FCF 1.12
EBSB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
78% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. EBSB: 1.12 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EBSB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.91  Med: 1.18 Max: 1.5
Current: 1.12
0.91
1.5
Price-to-Median-PS-Value 1.24
EBSB's Price-to-Median-PS-Value is ranked lower than
64% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. EBSB: 1.24 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EBSB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.66  Med: 0.97 Max: 1.33
Current: 1.24
0.66
1.33
Price-to-Peter-Lynch-Fair-Value 1.22
EBSB's Price-to-Peter-Lynch-Fair-Value is ranked lower than
54% of the 437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. EBSB: 1.22 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
EBSB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.4 Max: 2.09
Current: 1.22
0.48
2.09
Price-to-Graham-Number 1.40
EBSB's Price-to-Graham-Number is ranked lower than
82% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. EBSB: 1.40 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EBSB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.07  Med: 1.42 Max: 1.74
Current: 1.4
1.07
1.74
Earnings Yield (Greenblatt) % 5.46
EBSB's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. EBSB: 5.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EBSB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 5.2 Max: 15.6
Current: 5.46
0.2
15.6
Forward Rate of Return (Yacktman) % 24.78
EBSB's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. EBSB: 24.78 )
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: 18.6 Max: 48.1
Current: 24.78
1.4
48.1

More Statistics

Revenue (TTM) (Mil) $136.7
EPS (TTM) $ 0.64
Beta0.13
Short Percentage of Float0.83%
52-Week Range $13.41 - 20.55
Shares Outstanding (Mil)53.63

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.78 0.99
EPS without NRI ($) 0.78 0.99
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for EBSB

Headlines

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MERIDIAN BANCORP, INC. Financials Mar 08 2017
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MERIDIAN BANCORP, INC. Files SEC form 10-K, Annual Report Mar 01 2017
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Meridian Bancorp, Inc. :EBSB-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Meridian Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : EBSB-US : January... Jan 25 2017
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Meridian Bancorp, Inc. Reports Record Net Income for the Fourth Quarter And Year Ended December 31,... Jan 24 2017
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Meridian Bancorp, Inc. :EBSB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
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