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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 0.09
HBNK's Cash to Debt is ranked lower than
51% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. HBNK: 0.09 )
HBNK' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.09

Equity to Asset 0.12
HBNK's Equity to Asset is ranked higher than
81% of the 2022 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HBNK: 0.12 )
HBNK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.2
Current: 0.12

0.06
0.2
Interest Coverage 1.37
HBNK's Interest Coverage is ranked higher than
70% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. HBNK: 1.37 )
HBNK' s 10-Year Interest Coverage Range
Min: 0.01   Max: 1.37
Current: 1.37

0.01
1.37
F-Score: 5
Z-Score: 0.27
WACC vs ROIC
2.72%
2.28%
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 (%) 28.83
HBNK's Operating margin (%) is ranked higher than
67% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 vs. HBNK: 28.83 )
HBNK' s 10-Year Operating margin (%) Range
Min: -623.21   Max: 29.44
Current: 28.83

-623.21
29.44
Net-margin (%) 18.44
HBNK's Net-margin (%) is ranked higher than
63% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 vs. HBNK: 18.44 )
HBNK' s 10-Year Net-margin (%) Range
Min: -10.38   Max: 65.76
Current: 18.44

-10.38
65.76
ROE (%) 5.24
HBNK's ROE (%) is ranked higher than
60% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. HBNK: 5.24 )
HBNK' s 10-Year ROE (%) Range
Min: -2.18   Max: 5.85
Current: 5.24

-2.18
5.85
ROA (%) 0.64
HBNK's ROA (%) is ranked higher than
64% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. HBNK: 0.64 )
HBNK' s 10-Year ROA (%) Range
Min: -0.29   Max: 0.67
Current: 0.64

-0.29
0.67
ROC (Joel Greenblatt) (%) 86.40
HBNK's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. HBNK: 86.40 )
HBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -128.56   Max: 145.88
Current: 86.4

-128.56
145.88
Revenue Growth (3Y)(%) 10.60
HBNK's Revenue Growth (3Y)(%) is ranked higher than
92% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. HBNK: 10.60 )
HBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 53.6
Current: 10.6

0
53.6
EBITDA Growth (3Y)(%) 51.30
HBNK's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HBNK: 51.30 )
HBNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 76.8
Current: 51.3

0
76.8
EPS Growth (3Y)(%) 58.10
HBNK's EPS Growth (3Y)(%) is ranked higher than
97% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. HBNK: 58.10 )
HBNK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 133.6
Current: 58.1

0
133.6
» HBNK's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with HBNK

(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
Charles Brandes 2011-12-31 Sold Out 0.0018%$11.35 - $13 $ 21.3572%0
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 25.80
HBNK's P/E(ttm) is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. HBNK: 25.80 )
HBNK' s 10-Year P/E(ttm) Range
Min: 19.23   Max: 687.5
Current: 25.8

19.23
687.5
PE(NRI) 25.70
HBNK's PE(NRI) is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. HBNK: 25.70 )
HBNK' s 10-Year PE(NRI) Range
Min: 19.28   Max: 550
Current: 25.7

19.28
550
P/B 1.40
HBNK's P/B is ranked higher than
70% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. HBNK: 1.40 )
HBNK' s 10-Year P/B Range
Min: 0.62   Max: 1.38
Current: 1.4

0.62
1.38
P/S 4.90
HBNK's P/S is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. HBNK: 4.90 )
HBNK' s 10-Year P/S Range
Min: 2.34   Max: 23.39
Current: 4.9

2.34
23.39
PFCF 19.00
HBNK's PFCF is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBNK: 19.00 )
HBNK' s 10-Year PFCF Range
Min: 11.08   Max: 1025
Current: 19

11.08
1025
POCF 17.50
HBNK's POCF is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. HBNK: 17.50 )
HBNK' s 10-Year POCF Range
Min: 10.14   Max: 1005
Current: 17.5

10.14
1005
EV-to-EBIT 32.95
HBNK's EV-to-EBIT is ranked higher than
63% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. HBNK: 32.95 )
HBNK' s 10-Year EV-to-EBIT Range
Min: -198.7   Max: 565.7
Current: 32.95

-198.7
565.7
Shiller P/E 53.90
HBNK's Shiller P/E is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBNK: 53.90 )
HBNK' s 10-Year Shiller P/E Range
Min: 41.33   Max: 1250
Current: 53.9

41.33
1250
Days Sales Outstanding 24.73
HBNK's Days Sales Outstanding is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBNK: 24.73 )
HBNK' s 10-Year Days Sales Outstanding Range
Min: 25.69   Max: 425.25
Current: 24.73

25.69
425.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
HBNK's Dividend Yield is ranked lower than
70% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. HBNK: 1.40 )
HBNK' s 10-Year Dividend Yield Range
Min: 0.26   Max: 1.57
Current: 1.4

0.26
1.57
Dividend Payout 0.42
HBNK's Dividend Payout is ranked higher than
71% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HBNK: 0.42 )
HBNK' s 10-Year Dividend Payout Range
Min: 0.25   Max: 7.5
Current: 0.42

0.25
7.5
Dividend growth (3y) 26.00
HBNK's Dividend growth (3y) is ranked higher than
92% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. HBNK: 26.00 )
HBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 58.7
Current: 26

0
58.7
Yield on cost (5-Year) 3.43
HBNK's Yield on cost (5-Year) is ranked higher than
64% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. HBNK: 3.43 )
HBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.64   Max: 3.84
Current: 3.43

0.64
3.84
Share Buyback Rate 5.30
HBNK's Share Buyback Rate is ranked higher than
96% of the 1464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.30 vs. HBNK: 5.30 )
HBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: 4.3
Current: 5.3

0
4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.38
HBNK's Price/Tangible Book is ranked higher than
75% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. HBNK: 1.38 )
HBNK' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.36
Current: 1.38

0.71
1.36
Price/DCF (Projected) 1.09
HBNK's Price/DCF (Projected) is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. HBNK: 1.09 )
HBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 0.92
Current: 1.09

0.67
0.92
Price/Median PS Value 1.23
HBNK's Price/Median PS Value is ranked higher than
73% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. HBNK: 1.23 )
HBNK' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 5.96
Current: 1.23

0.6
5.96
Price/Graham Number 1.27
HBNK's Price/Graham Number is ranked higher than
69% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HBNK: 1.27 )
HBNK' s 10-Year Price/Graham Number Range
Min: 0.95   Max: 6.2
Current: 1.27

0.95
6.2
Earnings Yield (Greenblatt) 2.90
HBNK's Earnings Yield (Greenblatt) is ranked higher than
58% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HBNK: 2.90 )
HBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 10.1
Current: 2.9

0.2
10.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Hampden Bancorp Inc was incorporated in Delaware on April 13, 1852. It serves as a holding company for its subsidiary, Hampden Bank. The Company provides a number of financial services to individuals and small businesses through its Internet operations and offices in communities in Massachusetts. Its main deposit products are checking, savings, and term certificate accounts; and its lending products are residential mortgage and commercial loans. The bank is engaged in buying, selling, holding and otherwise dealing in securities. The Company provides various type of loans include Residential Real Estate Loans, Commercial Real Estate Loans, Home Equity Loans, Construction Loans, Commercial Loans and Consumer Loans. Additionally, the company offers fixed-rate and adjustable-rate residential mortgage loans with maturities up to 30 years. Commercial real estate loans are generally secured by commercial properties, such as industrial properties, small office buildings, retail facilities, and warehouses. Consumer and commercial deposits are gathered primarily from the Company's primary market area through the offering of a broad selection of deposit products including checking, regular savings, money market deposits and time deposits, including certificate of deposit accounts and individual retirement accounts. The FDIC insures deposits up to certain limits and the Deposit Insurance Fund (DIF) insures amounts in excess of such limits.
» More Articles for HBNK

Headlines

Articles On GuruFocus.com
Opportunities in Micro Cap Financials Nov 26 2010 
Hampden Bancorp Inc. (HBNK) CFO and Treasurer Robert Massey sells 2,400 Shares Aug 19 2010 
Hampden Bancorp Inc. (HBNK) CFO and Treasurer Robert Massey sells 2,700 Shares Aug 18 2009 

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Hampden Bancorp, Inc. Reports Second Quarter Earnings and Declares Cash Dividend Feb 03 2015
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