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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.23
NHTB's Cash to Debt is ranked higher than
57% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. NHTB: 0.23 )
NHTB' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.23

Equity to Asset 0.10
NHTB's Equity to Asset is ranked higher than
73% of the 1990 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 1.78
NHTB's Interest Coverage is ranked higher than
74% of the 1818 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. NHTB: 1.78 )
NHTB' s 10-Year Interest Coverage Range
Min: 0.09   Max: 1.78
Current: 1.78

0.09
1.78
F-Score: 5
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 (%) 22.09
NHTB's Operating margin (%) is ranked higher than
64% of the 2001 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.81 vs. NHTB: 22.09 )
NHTB' s 10-Year Operating margin (%) Range
Min: 8.74   Max: 42.2
Current: 22.09

8.74
42.2
Net-margin (%) 15.27
NHTB's Net-margin (%) is ranked higher than
63% of the 2001 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.30 vs. NHTB: 15.27 )
NHTB' s 10-Year Net-margin (%) Range
Min: 5.83   Max: 26.25
Current: 15.27

5.83
26.25
ROE (%) 6.22
NHTB's ROE (%) is ranked higher than
66% of the 2011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.53 vs. NHTB: 6.22 )
NHTB' s 10-Year ROE (%) Range
Min: 3.1   Max: 15.83
Current: 6.22

3.1
15.83
ROA (%) 0.65
NHTB's ROA (%) is ranked higher than
68% of the 2014 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. NHTB: 0.65 )
NHTB' s 10-Year ROA (%) Range
Min: 0.23   Max: 1.13
Current: 0.65

0.23
1.13
ROC (Joel Greenblatt) (%) 56.39
NHTB's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1985 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.14 vs. NHTB: 56.39 )
NHTB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.1   Max: 83.71
Current: 56.39

8.1
83.71
EBITDA Growth (%) -5.50
NHTB's EBITDA Growth (%) is ranked higher than
61% of the 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. NHTB: -5.50 )
NHTB' s 10-Year EBITDA Growth (%) Range
Min: -11.1   Max: 52
Current: -5.5

-11.1
52
EPS Growth (%) -7.00
NHTB's EPS Growth (%) is ranked higher than
61% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. NHTB: -7.00 )
NHTB' s 10-Year EPS Growth (%) Range
Min: -8.5   Max: 63
Current: -7

-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) 14.00
NHTB's P/E(ttm) is ranked higher than
81% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.30 vs. NHTB: 14.00 )
NHTB' s 10-Year P/E(ttm) Range
Min: 6.33   Max: 16.38
Current: 14

6.33
16.38
P/B 0.80
NHTB's P/B is ranked higher than
89% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. NHTB: 0.80 )
NHTB' s 10-Year P/B Range
Min: 0.44   Max: 1.8
Current: 0.8

0.44
1.8
P/S 2.10
NHTB's P/S is ranked higher than
87% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.65 vs. NHTB: 2.10 )
NHTB' s 10-Year P/S Range
Min: 1.07   Max: 3.4
Current: 2.1

1.07
3.4
EV-to-EBIT 20.11
NHTB's EV-to-EBIT is ranked higher than
70% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.68 vs. NHTB: 20.11 )
NHTB' s 10-Year EV-to-EBIT Range
Min: 8.6   Max: 25.9
Current: 20.11

8.6
25.9
Shiller P/E 12.00
NHTB's Shiller P/E is ranked higher than
95% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. NHTB: 12.00 )
NHTB' s 10-Year Shiller P/E Range
Min: 5   Max: 18.61
Current: 12

5
18.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.40
NHTB's Dividend Yield is ranked higher than
72% of the 1869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. NHTB: 3.40 )
NHTB' s 10-Year Dividend Yield Range
Min: 2.06   Max: 8.32
Current: 3.4

2.06
8.32
Dividend Payout 0.47
NHTB's Dividend Payout is ranked higher than
67% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.59 vs. NHTB: 0.47 )
NHTB' s 10-Year Dividend Payout Range
Min: 0.21   Max: 3.64
Current: 0.47

0.21
3.64
Yield on cost (5-Year) 3.40
NHTB's Yield on cost (5-Year) is ranked higher than
65% of the 1882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. NHTB: 3.40 )
NHTB' s 10-Year Yield on cost (5-Year) Range
Min: 2.06   Max: 8.32
Current: 3.4

2.06
8.32
Share Buyback Rate -8.10
NHTB's Share Buyback Rate is ranked higher than
61% of the 1457 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. NHTB: -8.10 )
NHTB' s 10-Year Share Buyback Rate Range
Min: 2.6   Max: -10.4
Current: -8.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
NHTB's Price/Tangible Book is ranked higher than
77% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. NHTB: 1.30 )
NHTB' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.52
Current: 1.3

0.6
2.52
Price/DCF (Projected) 0.80
NHTB's Price/DCF (Projected) is ranked higher than
81% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.43 vs. NHTB: 0.80 )
NHTB' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 0.92
Current: 0.8

0.39
0.92
Price/Median PS Value 1.00
NHTB's Price/Median PS Value is ranked higher than
84% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. NHTB: 1.00 )
NHTB' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 1.63
Current: 1

0.58
1.63
Price/Graham Number 0.90
NHTB's Price/Graham Number is ranked higher than
82% of the 2618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. NHTB: 0.90 )
NHTB' s 10-Year Price/Graham Number Range
Min: 0.45   Max: 1.39
Current: 0.9

0.45
1.39
Earnings Yield (Greenblatt) 5.00
NHTB's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1962 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. NHTB: 5.00 )
NHTB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.9   Max: 11.7
Current: 5

3.9
11.7
Forward Rate of Return (Yacktman) 1.65
NHTB's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.81 vs. NHTB: 1.65 )
NHTB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.2   Max: 25.4
Current: 1.65

-1.2
25.4

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 Financials Nov 18 2014
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New Hampshire Thrift Bancshares, Inc. Announces Private Placement of Subordinated Notes Oct 29 2014
New Hampshire Thrift Bancshares, Inc. Announces Private Placement of Subordinated Notes Oct 29 2014
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New Hampshire Thrift Bancshares, Inc. Announces Earnings for Third Quarter of 2014 Oct 10 2014
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend Oct 09 2014
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NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial... Jul 11 2014
New Hampshire Thrift Bancshares, Inc. Announces Earnings for Second Quarter of 2014 Jul 11 2014
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend Jul 10 2014
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... May 13 2014
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 12 2014
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New Hampshire Thrift Bancshares, Inc. Announces Earnings for First Quarter of 2014 Apr 14 2014
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend Apr 10 2014
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Mar 19 2014
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