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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 2.25
EBSB's Cash to Debt is ranked higher than
81% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. EBSB: 2.25 )
EBSB' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 2.25

Equity to Asset 0.18
EBSB's Equity to Asset is ranked higher than
95% of the 2022 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. EBSB: 0.18 )
EBSB' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.19
Current: 0.18

0.09
0.19
Interest Coverage 1.17
EBSB's Interest Coverage is ranked higher than
67% of the 1874 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 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: 6
Z-Score: 0.31
WACC vs ROIC
5.44%
7.23%
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 (%) 32.12
EBSB's Operating margin (%) is ranked higher than
78% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.81 vs. EBSB: 32.12 )
EBSB' s 10-Year Operating margin (%) Range
Min: -491.31   Max: 28.53
Current: 32.12

-491.31
28.53
Net-margin (%) 21.42
EBSB's Net-margin (%) is ranked higher than
75% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.95 vs. EBSB: 21.42 )
EBSB' s 10-Year Net-margin (%) Range
Min: -6.16   Max: 152.32
Current: 21.42

-6.16
152.32
ROE (%) 5.83
EBSB's ROE (%) is ranked higher than
65% of the 2060 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. EBSB: 5.83 )
EBSB' s 10-Year ROE (%) Range
Min: -1.38   Max: 8.46
Current: 5.83

-1.38
8.46
ROA (%) 0.75
EBSB's ROA (%) is ranked higher than
72% of the 2064 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. EBSB: 0.75 )
EBSB' s 10-Year ROA (%) Range
Min: -0.2   Max: 1.06
Current: 0.75

-0.2
1.06
ROC (Joel Greenblatt) (%) 85.98
EBSB's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.79 vs. EBSB: 85.98 )
EBSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -98.6   Max: 60.14
Current: 85.98

-98.6
60.14
Revenue Growth (3Y)(%) 9.20
EBSB's Revenue Growth (3Y)(%) is ranked higher than
90% of the 1734 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. EBSB: 9.20 )
EBSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 43.2
Current: 9.2

0
43.2
EBITDA Growth (3Y)(%) 3.70
EBSB's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. EBSB: 3.70 )
EBSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 83.1
Current: 3.7

0
83.1
EPS Growth (3Y)(%) 5.10
EBSB's EPS Growth (3Y)(%) is ranked higher than
72% of the 1572 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. EBSB: 5.10 )
EBSB' s 10-Year EPS Growth (3Y)(%) 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

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
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-09-30 New Buy0.13%$10.28 - $11.18 $ 12.5918%100000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 33.50
EBSB's P/E(ttm) is ranked higher than
67% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. EBSB: 33.50 )
EBSB' s 10-Year P/E(ttm) Range
Min: 16.63   Max: 1932
Current: 33.5

16.63
1932
Forward P/E 22.88
EBSB's Forward P/E is ranked higher than
75% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.42 vs. EBSB: 22.88 )
N/A
PE(NRI) 33.50
EBSB's PE(NRI) is ranked higher than
67% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. EBSB: 33.50 )
EBSB' s 10-Year PE(NRI) Range
Min: 16.5   Max: 388.4
Current: 33.5

16.5
388.4
P/B 1.20
EBSB's P/B is ranked higher than
76% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. EBSB: 1.20 )
EBSB' s 10-Year P/B Range
Min: 0.83   Max: 2.42
Current: 1.2

0.83
2.42
P/S 6.60
EBSB's P/S is ranked higher than
63% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.63 vs. EBSB: 6.60 )
EBSB' s 10-Year P/S Range
Min: 0.18   Max: 8.33
Current: 6.6

0.18
8.33
PFCF 29.00
EBSB's PFCF is ranked higher than
76% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 29.00 )
EBSB' s 10-Year PFCF Range
Min: 4.45   Max: 386.8
Current: 29

4.45
386.8
POCF 26.93
EBSB's POCF is ranked higher than
73% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.89 vs. EBSB: 26.93 )
EBSB' s 10-Year POCF Range
Min: 0.94   Max: 388.4
Current: 26.93

0.94
388.4
EV-to-EBIT 15.09
EBSB's EV-to-EBIT is ranked higher than
77% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.45 vs. EBSB: 15.09 )
EBSB' s 10-Year EV-to-EBIT Range
Min: -3180.8   Max: 439.7
Current: 15.09

-3180.8
439.7
Shiller P/E 54.30
EBSB's Shiller P/E is ranked higher than
77% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 54.30 )
EBSB' s 10-Year Shiller P/E Range
Min: 46.19   Max: 59.55
Current: 54.3

46.19
59.55
Days Sales Outstanding 27.13
EBSB's Days Sales Outstanding is ranked higher than
91% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 27.13 )
EBSB' s 10-Year Days Sales Outstanding Range
Min: 27.53   Max: 531.84
Current: 27.13

27.53
531.84

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
EBSB's Price/Tangible Book is ranked higher than
79% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.51 vs. EBSB: 1.20 )
EBSB' s 10-Year Price/Tangible Book Range
Min: 0.86   Max: 2.36
Current: 1.2

0.86
2.36
Price/DCF (Projected) 1.10
EBSB's Price/DCF (Projected) is ranked higher than
79% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.55 vs. EBSB: 1.10 )
EBSB' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.6
Current: 1.1

0.39
1.6
Price/Median PS Value 1.50
EBSB's Price/Median PS Value is ranked higher than
67% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. EBSB: 1.50 )
EBSB' s 10-Year Price/Median PS Value Range
Min: 0.04   Max: 1.8
Current: 1.5

0.04
1.8
Price/Peter Lynch Fair Value 2.00
EBSB's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. EBSB: 2.00 )
EBSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48   Max: 1.71
Current: 2

0.48
1.71
Price/Graham Number 1.40
EBSB's Price/Graham Number is ranked higher than
70% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. EBSB: 1.40 )
EBSB' s 10-Year Price/Graham Number Range
Min: 0.96   Max: 16.53
Current: 1.4

0.96
16.53
Earnings Yield (Greenblatt) 6.50
EBSB's Earnings Yield (Greenblatt) is ranked higher than
74% of the 2048 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. EBSB: 6.50 )
EBSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 15.7
Current: 6.5

0.2
15.7
Forward Rate of Return (Yacktman) 18.65
EBSB's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. EBSB: 18.65 )
EBSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.4   Max: 47.3
Current: 18.65

1.4
47.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Traded in other countries:3MR.Germany,
Meridian Bancorp Inc, formerly Meridian Interstate Bancorp Inc is a Massachusetts corporation & holding company of East Boston Savings Bank. 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.
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