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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 0.07
HBNK's Cash to Debt is ranked lower than
95% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. HBNK: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
HBNK' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.15 Max: 0.56
Current: 0.07
0.05
0.56
Equity to Asset 0.12
HBNK's Equity to Asset is ranked higher than
66% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBNK: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
HBNK' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.16 Max: 0.2
Current: 0.12
0.06
0.2
Interest Coverage 1.37
HBNK's Interest Coverage is ranked lower than
54% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. HBNK: 1.37 )
Ranked among companies with meaningful Interest Coverage only.
HBNK' s 10-Year Interest Coverage Range
Min: 0.01  Med: 0.25 Max: 1.37
Current: 1.37
0.01
1.37
F-Score: 4
WACC vs ROIC
2.70%
1.82%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 24.38
HBNK's Operating margin (%) is ranked lower than
64% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. HBNK: 24.38 )
Ranked among companies with meaningful Operating margin (%) only.
HBNK' s 10-Year Operating margin (%) Range
Min: -623.21  Med: 5.95 Max: 29.44
Current: 24.38
-623.21
29.44
Net-margin (%) 14.90
HBNK's Net-margin (%) is ranked lower than
72% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. HBNK: 14.90 )
Ranked among companies with meaningful Net-margin (%) only.
HBNK' s 10-Year Net-margin (%) Range
Min: -10.38  Med: 13.08 Max: 65.76
Current: 14.9
-10.38
65.76
ROE (%) 4.23
HBNK's ROE (%) is ranked lower than
78% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. HBNK: 4.23 )
Ranked among companies with meaningful ROE (%) only.
HBNK' s 10-Year ROE (%) Range
Min: -2.18  Med: 3.28 Max: 5.85
Current: 4.23
-2.18
5.85
ROA (%) 0.51
HBNK's ROA (%) is ranked lower than
71% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. HBNK: 0.51 )
Ranked among companies with meaningful ROA (%) only.
HBNK' s 10-Year ROA (%) Range
Min: -0.29  Med: 0.28 Max: 0.67
Current: 0.51
-0.29
0.67
Revenue Growth (3Y)(%) 10.60
HBNK's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. HBNK: 10.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.85 Max: 53.6
Current: 10.6
0
53.6
EBITDA Growth (3Y)(%) 51.30
HBNK's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. HBNK: 51.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 76.8
Current: 51.3
0
76.8
EPS Growth (3Y)(%) 58.10
HBNK's EPS Growth (3Y)(%) is ranked higher than
93% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. HBNK: 58.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBNK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 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

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Ratios

vs
industry
vs
history
P/E(ttm) 33.10
HBNK's P/E(ttm) is ranked lower than
88% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. HBNK: 33.10 )
Ranked among companies with meaningful P/E(ttm) only.
HBNK' s 10-Year P/E(ttm) Range
Min: 19.23  Med: 42.91 Max: 687.5
Current: 33.1
19.23
687.5
PE(NRI) 33.10
HBNK's PE(NRI) is ranked lower than
89% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. HBNK: 33.10 )
Ranked among companies with meaningful PE(NRI) only.
HBNK' s 10-Year PE(NRI) Range
Min: 19.28  Med: 42.33 Max: 550
Current: 33.1
19.28
550
P/B 1.44
HBNK's P/B is ranked lower than
73% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBNK: 1.44 )
Ranked among companies with meaningful P/B only.
HBNK' s 10-Year P/B Range
Min: 0.56  Med: 0.87 Max: 4.64
Current: 1.44
0.56
4.64
P/S 4.95
HBNK's P/S is ranked lower than
80% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. HBNK: 4.95 )
Ranked among companies with meaningful P/S only.
HBNK' s 10-Year P/S Range
Min: 2.34  Med: 3.88 Max: 23.39
Current: 4.95
2.34
23.39
PFCF 27.76
HBNK's PFCF is ranked lower than
85% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. HBNK: 27.76 )
Ranked among companies with meaningful PFCF only.
HBNK' s 10-Year PFCF Range
Min: 11.08  Med: 18.43 Max: 1025
Current: 27.76
11.08
1025
POCF 24.68
HBNK's POCF is ranked lower than
88% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. HBNK: 24.68 )
Ranked among companies with meaningful POCF only.
HBNK' s 10-Year POCF Range
Min: 10.14  Med: 17.54 Max: 1005
Current: 24.68
10.14
1005
EV-to-EBIT 41.28
HBNK's EV-to-EBIT is ranked lower than
89% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. HBNK: 41.28 )
Ranked among companies with meaningful EV-to-EBIT only.
HBNK' s 10-Year EV-to-EBIT Range
Min: -198.7  Med: 35.20 Max: 565.7
Current: 41.28
-198.7
565.7
Shiller P/E 56.99
HBNK's Shiller P/E is ranked lower than
94% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. HBNK: 56.99 )
Ranked among companies with meaningful Shiller P/E only.
HBNK' s 10-Year Shiller P/E Range
Min: 41.33  Med: 106.43 Max: 1250
Current: 56.99
41.33
1250
Days Sales Outstanding 25.61
HBNK's Days Sales Outstanding is ranked higher than
68% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. HBNK: 25.61 )
Ranked among companies with meaningful Days Sales Outstanding only.
HBNK' s 10-Year Days Sales Outstanding Range
Min: 25.69  Med: 33.62 Max: 425.25
Current: 25.61
25.69
425.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
HBNK's Dividend Yield is ranked lower than
78% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. HBNK: 1.40 )
Ranked among companies with meaningful Dividend Yield only.
HBNK' s 10-Year Dividend Yield Range
Min: 0.26  Med: 1.14 Max: 1.57
Current: 1.4
0.26
1.57
Dividend Payout 0.42
HBNK's Dividend Payout is ranked lower than
65% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HBNK: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
HBNK' s 10-Year Dividend Payout Range
Min: 0.25  Med: 0.38 Max: 7.5
Current: 0.42
0.25
7.5
Dividend growth (3y) 26.00
HBNK's Dividend growth (3y) is ranked higher than
82% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HBNK: 26.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
HBNK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 58.7
Current: 26
0
58.7
Yield on cost (5-Year) 2.79
HBNK's Yield on cost (5-Year) is ranked lower than
55% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. HBNK: 2.79 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.52  Med: 2.27 Max: 3.13
Current: 2.79
0.52
3.13
Share Buyback Rate 5.30
HBNK's Share Buyback Rate is ranked higher than
97% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HBNK: 5.30 )
Ranked among companies with meaningful Share Buyback Rate only.
HBNK' s 10-Year Share Buyback Rate Range
Min: 0  Med: 13.05 Max: 4.3
Current: 5.3
0
4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
HBNK's Price/Tangible Book is ranked lower than
65% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HBNK: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
HBNK' s 10-Year Price/Tangible Book Range
Min: 0.65  Med: 0.85 Max: 4.5
Current: 1.44
0.65
4.5
Price/Projected FCF 1.09
HBNK's Price/Projected FCF is ranked lower than
78% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. HBNK: 1.09 )
Ranked among companies with meaningful Price/Projected FCF only.
HBNK' s 10-Year Price/Projected FCF Range
Min: 0.67  Med: 0.82 Max: 1.04
Current: 1.09
0.67
1.04
Price/Median PS Value 1.27
HBNK's Price/Median PS Value is ranked lower than
72% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. HBNK: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
HBNK' s 10-Year Price/Median PS Value Range
Min: 0.6  Med: 0.99 Max: 5.96
Current: 1.27
0.6
5.96
Price/Graham Number 1.47
HBNK's Price/Graham Number is ranked lower than
87% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. HBNK: 1.47 )
Ranked among companies with meaningful Price/Graham Number only.
HBNK' s 10-Year Price/Graham Number Range
Min: 0.93  Med: 1.33 Max: 6.16
Current: 1.47
0.93
6.16
Earnings Yield (Greenblatt) (%) 2.40
HBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
81% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HBNK: 2.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBNK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 2.00 Max: 10.1
Current: 2.4
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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