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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
54% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 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
82% of the 1643 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 0.87
HBNK's Interest Coverage is ranked higher than
60% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. HBNK: 0.87 )
HBNK' s 10-Year Interest Coverage Range
Min: 0.04   Max: 0.87
Current: 0.87

0.04
0.87
F-Score: 6
Z-Score: 0.20
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 (%) 20.60
HBNK's Operating margin (%) is ranked higher than
62% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. HBNK: 20.60 )
HBNK' s 10-Year Operating margin (%) Range
Min: -12.29   Max: 21.51
Current: 20.6

-12.29
21.51
Net-margin (%) 12.89
HBNK's Net-margin (%) is ranked higher than
59% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. HBNK: 12.89 )
HBNK' s 10-Year Net-margin (%) Range
Min: -10.38   Max: 14.4
Current: 12.89

-10.38
14.4
ROE (%) 3.55
HBNK's ROE (%) is ranked higher than
55% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. HBNK: 3.55 )
HBNK' s 10-Year ROE (%) Range
Min: -1.43   Max: 5.68
Current: 3.55

-1.43
5.68
ROA (%) 0.46
HBNK's ROA (%) is ranked higher than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HBNK: 0.46 )
HBNK' s 10-Year ROA (%) Range
Min: -0.28   Max: 0.49
Current: 0.46

-0.28
0.49
ROC (Joel Greenblatt) (%) 94.83
HBNK's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. HBNK: 94.83 )
HBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -17.38   Max: 94.83
Current: 94.83

-17.38
94.83
Revenue Growth (%) 9.70
HBNK's Revenue Growth (%) is ranked higher than
91% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HBNK: 9.70 )
HBNK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 53.6
Current: 9.7

0
53.6
» 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

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 $ 16.7534%0
Charles Brandes 2011-06-30 Reduce -61.49%$12.56 - $13.7 $ 16.7527%15625
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 23.50
HBNK's P/E(ttm) is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. HBNK: 23.50 )
HBNK' s 10-Year P/E(ttm) Range
Min: 21.19   Max: 687.5
Current: 23.5

21.19
687.5
P/B 1.10
HBNK's P/B is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HBNK: 1.10 )
HBNK' s 10-Year P/B Range
Min: 0.62   Max: 1.21
Current: 1.1

0.62
1.21
P/S 3.85
HBNK's P/S is ranked higher than
64% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. HBNK: 3.85 )
HBNK' s 10-Year P/S Range
Min: 2.34   Max: 23.39
Current: 3.85

2.34
23.39
PFCF 13.30
HBNK's PFCF is ranked higher than
72% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. HBNK: 13.30 )
HBNK' s 10-Year PFCF Range
Min: 11.08   Max: 99999999.99
Current: 13.3

11.08
99999999.99
EV-to-EBIT 33.59
HBNK's EV-to-EBIT is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. HBNK: 33.59 )
HBNK' s 10-Year EV-to-EBIT Range
Min: 9.9   Max: 565.7
Current: 33.59

9.9
565.7
PEG 15.90
HBNK's PEG is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. HBNK: 15.90 )
HBNK' s 10-Year PEG Range
Min: 3.16   Max: 17.33
Current: 15.9

3.16
17.33
Shiller P/E 51.20
HBNK's Shiller P/E is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. HBNK: 51.20 )
HBNK' s 10-Year Shiller P/E Range
Min: 47.88   Max: 1250
Current: 51.2

47.88
1250

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.43
HBNK's Dividend Yield is ranked lower than
71% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. HBNK: 1.43 )
HBNK' s 10-Year Dividend Yield Range
Min: 0.26   Max: 1.52
Current: 1.43

0.26
1.52
Dividend Payout 0.32
HBNK's Dividend Payout is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HBNK: 0.32 )
HBNK' s 10-Year Dividend Payout Range
Min: 0.25   Max: 7.5
Current: 0.32

0.25
7.5
Dividend growth (3y) 14.50
HBNK's Dividend growth (3y) is ranked higher than
86% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. HBNK: 14.50 )
HBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 58.7
Current: 14.5

0
58.7
Yield on cost (5-Year) 2.26
HBNK's Yield on cost (5-Year) is ranked lower than
53% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. HBNK: 2.26 )
HBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.42   Max: 2.46
Current: 2.26

0.42
2.46
Share Buyback Rate 5.30
HBNK's Share Buyback Rate is ranked higher than
97% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 1.10
HBNK's Price/Tangible Book is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. HBNK: 1.10 )
HBNK' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.1
Current: 1.1

0.71
1.1
Price/DCF (Projected) 0.80
HBNK's Price/DCF (Projected) is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. HBNK: 0.80 )
HBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 0.91
Current: 0.8

0.67
0.91
Price/Median PS Value 1.00
HBNK's Price/Median PS Value is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HBNK: 1.00 )
HBNK' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 5.96
Current: 1

0.6
5.96
Price/Graham Number 1.10
HBNK's Price/Graham Number is ranked higher than
70% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. HBNK: 1.10 )
HBNK' s 10-Year Price/Graham Number Range
Min: 0.93   Max: 6.2
Current: 1.1

0.93
6.2
Earnings Yield (Greenblatt) 3.00
HBNK's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBNK: 3.00 )
HBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 10.1
Current: 3

0.2
10.1
Forward Rate of Return (Yacktman) 2.50
HBNK's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. HBNK: 2.50 )
HBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.3   Max: 3.1
Current: 2.5

-12.3
3.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Hampden Bancorp, Inc. 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 engages 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. The company also originates commercial real estate loans for terms of up to 10 years. Commercial real estate loans are generally secured by commercial properties, such as industrial properties, small office buildings, retail facilities, and warehouses. Deposits are the main source of funds for the company, and are used for lending and other investment purposes. Deposit products include checking, regular savings, money market deposits, time deposits, certificate of deposit accounts, and individual retirement accounts. Consumer and commercial deposits are primarily collected from the company's primary market area.
» 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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