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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 0.21
NHTB's Cash to Debt is ranked higher than
53% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. NHTB: 0.21 )
NHTB' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 0.21

Equity to Asset 0.11
NHTB's Equity to Asset is ranked higher than
80% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

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

0.06
0.11
Interest Coverage 1.78
NHTB's Interest Coverage is ranked higher than
74% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 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: 0.16
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 (%) 23.34
NHTB's Operating margin (%) is ranked higher than
66% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. NHTB: 23.34 )
NHTB' s 10-Year Operating margin (%) Range
Min: 8.74   Max: 42.2
Current: 23.34

8.74
42.2
Net-margin (%) 17.01
NHTB's Net-margin (%) is ranked higher than
66% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. NHTB: 17.01 )
NHTB' s 10-Year Net-margin (%) Range
Min: 5.83   Max: 26.25
Current: 17.01

5.83
26.25
ROE (%) 5.64
NHTB's ROE (%) is ranked higher than
64% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. NHTB: 5.64 )
NHTB' s 10-Year ROE (%) Range
Min: 3.13   Max: 14.75
Current: 5.64

3.13
14.75
ROA (%) 0.59
NHTB's ROA (%) is ranked higher than
66% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. NHTB: 0.59 )
NHTB' s 10-Year ROA (%) Range
Min: 0.23   Max: 1.1
Current: 0.59

0.23
1.1
ROC (Joel Greenblatt) (%) 48.41
NHTB's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. NHTB: 48.41 )
NHTB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.46   Max: 77.5
Current: 48.41

7.46
77.5
EBITDA Growth (%) -5.50
NHTB's EBITDA Growth (%) is ranked higher than
59% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. NHTB: -5.50 )
NHTB' s 10-Year EBITDA Growth (%) Range
Min: -11.1   Max: 51.7
Current: -5.5

-11.1
51.7
EPS Growth (%) -7.00
NHTB's EPS Growth (%) is ranked higher than
59% of the 1283 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) 13.80
NHTB's P/E(ttm) is ranked higher than
78% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. NHTB: 13.80 )
NHTB' s 10-Year P/E(ttm) Range
Min: 6.33   Max: 16.38
Current: 13.8

6.33
16.38
P/B 0.80
NHTB's P/B is ranked higher than
86% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 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 2.20
NHTB's P/S is ranked higher than
82% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. NHTB: 2.20 )
NHTB' s 10-Year P/S Range
Min: 1.07   Max: 3.4
Current: 2.2

1.07
3.4
PFCF 6.90
NHTB's PFCF is ranked higher than
84% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. NHTB: 6.90 )
NHTB' s 10-Year PFCF Range
Min: 3.46   Max: 325
Current: 6.9

3.46
325
EV-to-EBIT 22.51
NHTB's EV-to-EBIT is ranked higher than
67% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. NHTB: 22.51 )
NHTB' s 10-Year EV-to-EBIT Range
Min: 6.1   Max: 25.9
Current: 22.51

6.1
25.9
PEG 1.80
NHTB's PEG is ranked higher than
79% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. NHTB: 1.80 )
NHTB' s 10-Year PEG Range
Min: 0.54   Max: 14.97
Current: 1.8

0.54
14.97
Shiller P/E 12.10
NHTB's Shiller P/E is ranked higher than
94% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. NHTB: 12.10 )
NHTB' s 10-Year Shiller P/E Range
Min: 5.04   Max: 18.81
Current: 12.1

5.04
18.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.50
NHTB's Dividend Yield is ranked higher than
72% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. NHTB: 3.50 )
NHTB' s 10-Year Dividend Yield Range
Min: 2.06   Max: 8.32
Current: 3.5

2.06
8.32
Dividend Payout 0.53
NHTB's Dividend Payout is ranked higher than
76% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. NHTB: 0.53 )
NHTB' s 10-Year Dividend Payout Range
Min: 0.21   Max: 3.64
Current: 0.53

0.21
3.64
Yield on cost (5-Year) 3.50
NHTB's Yield on cost (5-Year) is ranked higher than
63% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. NHTB: 3.50 )
NHTB' s 10-Year Yield on cost (5-Year) Range
Min: 2.06   Max: 8.32
Current: 3.5

2.06
8.32
Share Buyback Rate -8.10
NHTB's Share Buyback Rate is ranked higher than
59% of the 1242 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
73% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 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) 0.60
NHTB's Price/DCF (Projected) is ranked higher than
86% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. NHTB: 0.60 )
NHTB' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 0.69
Current: 0.6

0.29
0.69
Price/Median PS Value 1.00
NHTB's Price/Median PS Value is ranked higher than
77% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. NHTB: 1.00 )
NHTB' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 3.32
Current: 1

0.57
3.32
Price/Graham Number 0.90
NHTB's Price/Graham Number is ranked higher than
77% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 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) 4.40
NHTB's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. NHTB: 4.40 )
NHTB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.9   Max: 16.4
Current: 4.4

3.9
16.4
Forward Rate of Return (Yacktman) 7.23
NHTB's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. NHTB: 7.23 )
NHTB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4   Max: 28.6
Current: 7.23

4
28.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
New Hampshire Thrift Bancshares, Inc. is a Delaware holding company formed on July 5, 1989, is the parent company of a federally chartered savings bank called Lake Sunapee Bank. The Bank was originally chartered by the State of New Hampshire in 1868 as the Newport Savings Bank. The Bank was converted from a state-chartered mutual savings bank to a federally chartered mutual savings bank On December 1, 1980, and in 1981 it changed its name to "Lake Sunapee Savings Bank, fsb" and in 1994, refined its name to "Lake Sunapee Bank, fsb." The company offers a variety of deposit accounts. Its deposits consist of business checking, money market accounts, savings, NOW and certificate accounts. It uses traditional means to advertise its deposit products, including print media, and generally does not solicit deposits from outside its primary market areas. The Bank is a thrift institution established for providing a convenient and safe place to invest funds, for the financing of housing, consumer-oriented products and commercial loans, and for providing a variety of other consumer-oriented financial services. The Bank is promoting the ideals of thrift, security, home ownership and financial independence for its customers. Its operations are conducted from its home office located in Newport, New Hampshire and its branch offices located in Sunapee, Newbury, New London, Bradford, Grantham, Guild, Lebanon, West Lebanon, Hillsboro, Peterborough, Andover, Claremont, Enfield, and Milford, New Hampshire, and Brandon, Pittsford, Rutland, West Rutland, and Woodstock, Vermont. The banks lending activities includes real estate loans, real estate construction loans, consumer loans, commercial loans, municipal loans. Its lending activity is the origination of conventional loans secured by first mortgage liens on residential properties, single-family residences. It also evaluates the security for each new loan made. Appraisals, when required, are done by qualified sub-contracted appraisers. The Bank owned two service corporations: the Lake Sunapee Group, Inc. and the Lake Sunapee Financial Services Corporation. The company has several competitors like thrifts and commercial banks, credit unions for attracting deposits; for investor's funds it's facing competition from mutual funds and other corporate and government securities; and for real estate loans the competition comes from mortgage banking companies, other thrift institutions and commercial banks. The Bank, as a federal savings bank, 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. 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, 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 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. Announces Quarterly Dividend Jul 10 2014
NEW HAMPSHIRE THRIFT BANCSHARES INC Financials May 20 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
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial... Apr 14 2014
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
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 10-K, Annual Report Mar 17 2014
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Feb 03 2014
New Hampshire Thrift Bancshares, Inc. Announces Earnings for Fiscal Year 2013 Jan 31 2014
NEW HAMPSHIRE THRIFT BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial... Jan 31 2014
New Hampshire Thrift Bancshares, Inc. Announces Earnings for Fiscal Year 2013 Jan 31 2014
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend and Annual Meeting Date Jan 09 2014
New Hampshire Thrift Bancshares, Inc. Announces Quarterly Dividend and Annual Meeting Date Jan 09 2014
New Hampshire Thrift: A Long-term Dividend Play With A Potential Bonus Dec 05 2013

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