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17.95 (1y: +84%)
Market Cap 36.6 M P/E(ttm) 25.20
Enterprise Value 36.6 M P/B 1.70
MFLR- NAS (USA)
Mayflower Bancorp Inc
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$17.95
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GuruFocus Financial Strength Rank measures how strong a companyย’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 3.369
MFLR's Cash to Debt is ranked higher than
82% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. MFLR: 3.369 )
MFLR' s 10-Year Cash to Debt Range
Min: 0.18   Max: 3.37
Current: 3.37
0.18
3.37
Equity to Asset 0.086
MFLR's Equity to Asset is ranked higher than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MFLR: 0.086 )
MFLR' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.09
0.07
0.1
Interest Coverage No Debt
MFLR's Interest Coverage is ranked higher than
86% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MFLR: No Debt )
MFLR' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 19.90
MFLR's Operating margin (%) is ranked higher than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. MFLR: 19.90 )
MFLR' s 10-Year Operating margin (%) Range
Min: -2.4   Max: 42.9
Current: 19.9
-2.4
42.9
Net-margin (%) 12.8
MFLR's Net-margin (%) is ranked higher than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. MFLR: 12.8 )
MFLR' s 10-Year Net-margin (%) Range
Min: 0.5   Max: 26.8
Current: 12.8
0.5
26.8
ROE (%) 6.3
MFLR's ROE (%) is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. MFLR: 6.3 )
MFLR' s 10-Year ROE (%) Range
Min: 0.2   Max: 14.3
Current: 6.3
0.2
14.3
ROA (%) 0.5
MFLR's ROA (%) is ranked higher than
63% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. MFLR: 0.5 )
MFLR' s 10-Year ROA (%) Range
Min: 0.4   Max: 1.1
Current: 0.5
0.4
1.1
Revenue Growth (%) 6.8
MFLR's Revenue Growth (%) is ranked higher than
90% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFLR: 6.8 )
MFLR' s 10-Year Revenue Growth (%) Range
Min: -5.8   Max: 8.7
Current: 6.8
-5.8
8.7
EBITDA Growth (%) 7.1
MFLR's EBITDA Growth (%) is ranked higher than
84% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFLR: 7.1 )
MFLR' s 10-Year EBITDA Growth (%) Range
Min: -43.6   Max: 12.3
Current: 7.1
-43.6
12.3
EPS Growth (%) 6.9
MFLR's EPS Growth (%) is ranked higher than
82% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFLR: 6.9 )
MFLR' s 10-Year EPS Growth (%) Range
Min: -58.6   Max: 9.5
Current: 6.9
-58.6
9.5
ยป MFLR's 10-Y Financials

Financials


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

» Details

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ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 25.20
MFLR's P/E(ttm) is ranked lower than
60% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. MFLR: 25.20 )
MFLR' s 10-Year P/E(ttm) Range
Min: 8.34   Max: 825
Current: 25.2
8.34
825
P/B 1.70
MFLR's P/B is ranked lower than
62% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. MFLR: 1.70 )
MFLR' s 10-Year P/B Range
Min: 0.52   Max: 2.29
Current: 1.7
0.52
2.29
P/S 3.65
MFLR's P/S is ranked lower than
54% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. MFLR: 3.65 )
MFLR' s 10-Year P/S Range
Min: 1.41   Max: 13.28
Current: 3.65
1.41
13.28
PFCF 57.90
MFLR's PFCF is ranked lower than
70% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. MFLR: 57.90 )
MFLR' s 10-Year PFCF Range
Min: 5.32   Max: 57.9
Current: 57.9
5.32
57.9
EV-to-EBIT 16.4
MFLR's EV-to-EBIT is ranked higher than
61% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. MFLR: 16.4 )
MFLR' s 10-Year EV-to-EBIT Range
Min: 1   Max: 30.6
Current: 16.4
1
30.6
PEG 5.3
MFLR's PEG is ranked lower than
58% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. MFLR: 5.3 )
MFLR' s 10-Year PEG Range
Min: 0.32   Max: 16.24
Current: 5.3
0.32
16.24
Shiller P/E 33.8
MFLR's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. MFLR: 33.8 )
MFLR' s 10-Year Shiller P/E Range
Min: 7.08   Max: 33.8
Current: 33.8
7.08
33.8

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.34
MFLR's Dividend Yield is ranked lower than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MFLR: 1.34 )
MFLR' s 10-Year Dividend Yield Range
Min: 0.69   Max: 8.83
Current: 1.34
0.69
8.83
Dividend Payout 0.3876
MFLR's Dividend Payout is ranked lower than
60% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. MFLR: 0.3876 )
MFLR' s 10-Year Dividend Payout Range
Min: 0.37   Max: 24.87
Current: 0.39
0.37
24.87
Dividend growth (3y) -12
MFLR's Dividend growth (3y) is ranked lower than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFLR: -12 )
MFLR' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -8.5
Current: -12
Yield on cost (5-Year) 0.70
MFLR's Yield on cost (5-Year) is ranked lower than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. MFLR: 0.70 )
MFLR' s 10-Year Yield on cost (5-Year) Range
Min: 0.35   Max: 4.43
Current: 0.7
0.35
4.43
Share Buyback Rate 0.7
MFLR's Share Buyback Rate is ranked higher than
96% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.20 vs. MFLR: 0.7 )
MFLR' s 10-Year Share Buyback Rate Range
Min: 0.7   Max: -0.6
Current: 0.7

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.7
MFLR's Price/Tangible Book is ranked lower than
56% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MFLR: 1.7 )
MFLR' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 1.7
Current: 1.7
0.8
1.7
Price/DCF (Projected) 1.2
MFLR's Price/DCF (Projected) is ranked lower than
67% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. MFLR: 1.2 )
MFLR' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.9
Current: 1.2
0.5
0.9
Price/Median PS Value 1.3
MFLR's Price/Median PS Value is ranked lower than
55% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MFLR: 1.3 )
MFLR' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.2
Current: 1.3
0.6
1.2
Price/Peter Lynch Fair Value 1
MFLR's Price/Peter Lynch Fair Value is ranked higher than
51% of the 273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MFLR: 1 )
MFLR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.9   Max: 4.2
Current: 1
1.9
4.2
Price/Graham Number 1.5
MFLR's Price/Graham Number is ranked lower than
64% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MFLR: 1.5 )
MFLR' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 3.9
Current: 1.5
0.7
3.9
Earnings Yield (Greenblatt) 6.10
MFLR's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. MFLR: 6.10 )
MFLR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.3   Max: 99
Current: 6.1
3.3
99
Forward Rate of Return (Yacktman) 46.07
MFLR's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFLR: 46.07 )
MFLR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -27.1   Max: 48.5
Current: 46.07
-27.1
48.5

Business Description

Mayflower Bancorp Inc, a Massachusetts corporation, was organized by Mayflower Co-operative Bank on October 5, 2006, to acquire all of the capital stock of the Bank as part of the Bank's reorganization into the holding company form of ownership, which was completed on February 15, 2007. The main business of the Bank is to acquire funds in the form of deposits and make permanent and construction mortgage loans on one- to four-family homes and commercial real estate located in its primary market area. Additionally, the Bank makes commercial business loans, consumer loans and offers home equity loans and lines of credit. The Bank also invests a portion of its funds in money market instruments, federal government and agency obligations, municipal obligations, various types of corporate debt and equity securities, and other authorized investments. The Bank considers its market area to be southeastern Massachusetts, to include a primary focus on Plymouth County. The Bank's deposits are insured by the Deposit Insurance Fund administered by the Federal Deposit Insurance Corporation, with additional insurance to the total amount of the deposit provided by the Share Insurance Fund of The Co-operative Central Bank, a deposit-insuring entity chartered by the Commonwealth of Massachusetts. The Bank's savings and lending activities are conducted through its main office in Middleboro and seven full-service offices in Plymouth, Wareham, Rochester, Bridgewater, and Lakeville, Massachusetts. The Bank's principal sources of income are interest on loans and loan origination fees, interest and dividends on investment securities and short-term investments, loan servicing and other fees, and gains on the sale of investment securities and mortgages. The Bank's principal expenses are interest paid on deposits and borrowings and general and administrative expenses. The Bank's competition for savings deposits has historically come from other co-operative banks and savings banks, savings and loan associations and commercial banks located in Massachusetts generally, and in Southeastern Massachusetts. The Bank is subject to regulation, supervision and examination by the Massachusetts Commissioner of Banks and the Federal Deposit Insurance Corporation, as insurer of its deposits. The Company is also subject to regulation by the Federal Reserve Board.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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