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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.26
NHTB's Cash to Debt is ranked higher than
56% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. NHTB: 0.26 )
NHTB' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.26

Equity to Asset 0.10
NHTB's Equity to Asset is ranked higher than
70% of the 2312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NHTB: 0.10 )
NHTB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.1

0.06
0.11
Interest Coverage 2.00
NHTB's Interest Coverage is ranked higher than
76% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. NHTB: 2.00 )
NHTB' s 10-Year Interest Coverage Range
Min: 0.09   Max: 2
Current: 2

0.09
2
F-Score: 5
Z-Score: 0.20
WACC vs ROIC
3.30%
3.58%
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 (%) 22.68
NHTB's Operating margin (%) is ranked higher than
64% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. NHTB: 22.68 )
NHTB' s 10-Year Operating margin (%) Range
Min: 8.74   Max: 42.2
Current: 22.68

8.74
42.2
Net-margin (%) 16.60
NHTB's Net-margin (%) is ranked higher than
64% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. NHTB: 16.60 )
NHTB' s 10-Year Net-margin (%) Range
Min: 5.83   Max: 26.25
Current: 16.6

5.83
26.25
ROE (%) 6.90
NHTB's ROE (%) is ranked higher than
67% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. NHTB: 6.90 )
NHTB' s 10-Year ROE (%) Range
Min: 6.04   Max: 15.83
Current: 6.9

6.04
15.83
ROA (%) 0.69
NHTB's ROA (%) is ranked higher than
67% of the 2433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NHTB: 0.69 )
NHTB' s 10-Year ROA (%) Range
Min: 0.52   Max: 1.13
Current: 0.69

0.52
1.13
ROC (Joel Greenblatt) (%) 56.85
NHTB's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. NHTB: 56.85 )
NHTB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.82   Max: 97.56
Current: 56.85

10.82
97.56
Revenue Growth (3Y)(%) 3.40
NHTB's Revenue Growth (3Y)(%) is ranked higher than
78% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. NHTB: 3.40 )
NHTB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 11.9
Current: 3.4

0
11.9
EBITDA Growth (3Y)(%) 0.20
NHTB's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. NHTB: 0.20 )
NHTB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.1   Max: 51.7
Current: 0.2

-11.1
51.7
EPS Growth (3Y)(%) -3.40
NHTB's EPS Growth (3Y)(%) is ranked higher than
60% of the 1904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. NHTB: -3.40 )
NHTB' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.5   Max: 63
Current: -3.4

-8.5
63
» NHTB'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) 12.40
NHTB's P/E(ttm) is ranked higher than
84% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. NHTB: 12.40 )
NHTB' s 10-Year P/E(ttm) Range
Min: 6.33   Max: 16.38
Current: 12.4

6.33
16.38
Forward P/E 8.94
NHTB's Forward P/E is ranked higher than
93% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NHTB: 8.94 )
N/A
PE(NRI) 12.40
NHTB's PE(NRI) is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. NHTB: 12.40 )
NHTB' s 10-Year PE(NRI) Range
Min: 6.31   Max: 16.41
Current: 12.4

6.31
16.41
P/B 0.90
NHTB's P/B is ranked higher than
86% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. NHTB: 0.90 )
NHTB' s 10-Year P/B Range
Min: 0.44   Max: 1.73
Current: 0.9

0.44
1.73
P/S 2.00
NHTB's P/S is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. NHTB: 2.00 )
NHTB' s 10-Year P/S Range
Min: 1.07   Max: 3.4
Current: 2

1.07
3.4
POCF 10.61
NHTB's POCF is ranked higher than
83% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 194.36 vs. NHTB: 10.61 )
NHTB' s 10-Year POCF Range
Min: 3.03   Max: 100
Current: 10.61

3.03
100
EV-to-EBIT 18.42
NHTB's EV-to-EBIT is ranked higher than
72% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. NHTB: 18.42 )
NHTB' s 10-Year EV-to-EBIT Range
Min: 11   Max: 25.9
Current: 18.42

11
25.9
Shiller P/E 11.80
NHTB's Shiller P/E is ranked higher than
94% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NHTB: 11.80 )
NHTB' s 10-Year Shiller P/E Range
Min: 5.04   Max: 17.4
Current: 11.8

5.04
17.4
Days Sales Outstanding 46.87
NHTB's Days Sales Outstanding is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NHTB: 46.87 )
NHTB' s 10-Year Days Sales Outstanding Range
Min: 15.37   Max: 256.05
Current: 46.87

15.37
256.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.50
NHTB's Dividend Yield is ranked higher than
70% of the 2288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. NHTB: 3.50 )
NHTB' s 10-Year Dividend Yield Range
Min: 2.54   Max: 8.32
Current: 3.5

2.54
8.32
Dividend Payout 0.43
NHTB's Dividend Payout is ranked higher than
73% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. NHTB: 0.43 )
NHTB' s 10-Year Dividend Payout Range
Min: 0.21   Max: 3.64
Current: 0.43

0.21
3.64
Yield on cost (5-Year) 3.50
NHTB's Yield on cost (5-Year) is ranked higher than
62% of the 2296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.82 vs. NHTB: 3.50 )
NHTB' s 10-Year Yield on cost (5-Year) Range
Min: 2.54   Max: 8.32
Current: 3.5

2.54
8.32
Share Buyback Rate -12.50
NHTB's Share Buyback Rate is ranked higher than
56% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. NHTB: -12.50 )
NHTB' s 10-Year Share Buyback Rate Range
Min: 2.6   Max: -12.5
Current: -12.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
NHTB's Price/Tangible Book is ranked higher than
71% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. NHTB: 1.42 )
NHTB' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.52
Current: 1.42

0.6
2.52
Price/DCF (Projected) 0.79
NHTB's Price/DCF (Projected) is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NHTB: 0.79 )
NHTB' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 0.94
Current: 0.79

0.39
0.94
Price/Median PS Value 1.00
NHTB's Price/Median PS Value is ranked higher than
84% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. NHTB: 1.00 )
NHTB' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 3.4
Current: 1

0.59
3.4
Price/Graham Number 0.88
NHTB's Price/Graham Number is ranked higher than
81% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. NHTB: 0.88 )
NHTB' s 10-Year Price/Graham Number Range
Min: 0.45   Max: 1.39
Current: 0.88

0.45
1.39
Earnings Yield (Greenblatt) 5.40
NHTB's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. NHTB: 5.40 )
NHTB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.9   Max: 9.1
Current: 5.4

3.9
9.1
Forward Rate of Return (Yacktman) 1.79
NHTB's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. NHTB: 1.79 )
NHTB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.4   Max: 26.4
Current: 1.79

-3.4
26.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
New Hampshire Thrift Bancshares Inc, a Delaware holding company organized on July 5, 1989, is the parent company of Lake Sunapee Bank, fsb (the 'Bank'), a federally chartered savings association. The Bank is a thrift institution established for the purposes of providing the public with a convenient and safe place to invest funds, for the financing of housing, consumer-oriented products and commercial loans, and for providing a various other consumer-oriented financial services. The Bank is a full-service community institution promoting the ideals of thrift, security, home ownership and financial independence for its customers. Through Charter Holding Corp. and its subsidiary, Charter Trust Company, the Company offer wealth management and trust services. Through McCrillis & Eldredge Insurance, Inc. and Lake Sunapee Financial Services Corporation, it offers insurance services and brokerage services, respectively, to its customers. Lake Sunapee Group, Inc. owns and maintains the Bank's buildings and investment properties. Its loan segments consist of residential real estate, commercial real estate, construction, commercial and consumer. Its market area extends from the southern New Hampshire/Massachusetts border-city of Nashua to the north through central and western New Hampshire and central Vermont. It is concentrated in the counties of Hillsborough, Grafton, Merrimack, Sullivan and Cheshire in south, central and western New Hampshire, and the counties of Rutland, Windsor and Orange in central Vermont. The Company's direct competition for deposits comes from other thrifts and commercial banks as well as credit unions located in its primary market areas. It faces additional competition for investors' funds from mutual funds and other corporate and government securities. The Company is regulated as a savings and loan holding company by the Board of Governors of the Federal Reserve System. The Bank, as a federal savings association, is subject to regulation, examination and supervision by the OCC, as its primary regulator, and the FDIC as its deposit insurer.
» More Articles for NHTB

Headlines

Articles On GuruFocus.com
New Hampshire Thrift Bancshares, Inc. Announces Private Placement of Subordinated Notes Oct 29 2014 
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend Oct 15 2014 
New Hampshire Thrift Bancshares Inc. Reports Operating Results (10-Q) Nov 15 2010 
New Hampshire Thrift Bancshares Inc. Reports Operating Results (10-Q) Aug 13 2010 
New Hampshire Thrift Bancshares Inc. Reports Operating Results (10-Q) Nov 13 2009 
New Hampshire Thrift Bancshares Inc. Reports Operating Results (10-Q) Aug 14 2009 
New Hampshire Thrift Bancshares Inc. Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws;... May 20 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Financials May 20 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security... May 15 2015
10-Q for New Hampshire Thrift Bancshares, Inc. May 13 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 11 2015
10-K for New Hampshire Thrift Bancshares, Inc. May 03 2015
New Hampshire Thrift posts 1Q profit Apr 21 2015
New Hampshire Thrift posts 1Q profit Apr 21 2015
New Hampshire Thrift Bancshares, Inc. Reports 2015 First Quarter Results Apr 21 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial... Apr 21 2015
New Hampshire Thrift Bancshares, Inc. Reports 2015 First Quarter Results Apr 21 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Apr 14 2015
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend Apr 09 2015
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend Apr 09 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 10-K, Annual Report Mar 16 2015
New Hampshire Thrift Bancshares, Inc. Reports Fourth Quarter and 2014 Annual Results Jan 30 2015
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial... Jan 30 2015
New Hampshire Thrift Bancshares, Inc. Reports Fourth Quarter and 2014 Annual Results Jan 30 2015
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend and Annual Meeting Date Jan 08 2015
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend and Annual Meeting Date Jan 08 2015

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