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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 0.34
WEBK's Cash to Debt is ranked lower than
76% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. WEBK: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
WEBK' s 10-Year Cash to Debt Range
Min: 0.05   Max: 2.31
Current: 0.34

0.05
2.31
Equity to Asset 0.09
WEBK's Equity to Asset is ranked lower than
68% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WEBK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
WEBK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.09

0.08
0.14
Interest Coverage 0.84
WEBK's Interest Coverage is ranked lower than
69% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. WEBK: 0.84 )
Ranked among companies with meaningful Interest Coverage only.
WEBK' s 10-Year Interest Coverage Range
Min: 0.33   Max: 1.3
Current: 0.84

0.33
1.3
F-Score: 3
Z-Score: 0.20
WACC vs ROIC
2.25%
2.05%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 16.85
WEBK's Operating margin (%) is ranked lower than
77% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. WEBK: 16.85 )
Ranked among companies with meaningful Operating margin (%) only.
WEBK' s 10-Year Operating margin (%) Range
Min: 13.01   Max: 32.47
Current: 16.85

13.01
32.47
Net-margin (%) 10.45
WEBK's Net-margin (%) is ranked lower than
81% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. WEBK: 10.45 )
Ranked among companies with meaningful Net-margin (%) only.
WEBK' s 10-Year Net-margin (%) Range
Min: 8.81   Max: 20.49
Current: 10.45

8.81
20.49
ROE (%) 3.78
WEBK's ROE (%) is ranked lower than
79% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. WEBK: 3.78 )
Ranked among companies with meaningful ROE (%) only.
WEBK' s 10-Year ROE (%) Range
Min: 3.25   Max: 11.12
Current: 3.78

3.25
11.12
ROA (%) 0.36
WEBK's ROA (%) is ranked lower than
78% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. WEBK: 0.36 )
Ranked among companies with meaningful ROA (%) only.
WEBK' s 10-Year ROA (%) Range
Min: 0.32   Max: 0.85
Current: 0.36

0.32
0.85
ROC (Joel Greenblatt) (%) 79.76
WEBK's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. WEBK: 79.76 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WEBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 76.24   Max: 867.94
Current: 79.76

76.24
867.94
» WEBK'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) 23.70
WEBK's P/E(ttm) is ranked lower than
85% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. WEBK: 23.70 )
Ranked among companies with meaningful P/E(ttm) only.
WEBK' s 10-Year P/E(ttm) Range
Min: 15.84   Max: 74.76
Current: 23.7

15.84
74.76
Forward P/E 12.36
WEBK's Forward P/E is ranked lower than
53% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. WEBK: 12.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.80
WEBK's PE(NRI) is ranked lower than
84% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. WEBK: 23.80 )
Ranked among companies with meaningful PE(NRI) only.
WEBK' s 10-Year PE(NRI) Range
Min: 15.76   Max: 74.76
Current: 23.8

15.76
74.76
P/B 0.90
WEBK's P/B is ranked higher than
67% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WEBK: 0.90 )
Ranked among companies with meaningful P/B only.
WEBK' s 10-Year P/B Range
Min: 0.77   Max: 1.04
Current: 0.9

0.77
1.04
P/S 2.48
WEBK's P/S is ranked higher than
60% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. WEBK: 2.48 )
Ranked among companies with meaningful P/S only.
WEBK' s 10-Year P/S Range
Min: 2.42   Max: 11.26
Current: 2.48

2.42
11.26
PFCF 26.30
WEBK's PFCF is ranked lower than
84% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. WEBK: 26.30 )
Ranked among companies with meaningful PFCF only.
WEBK' s 10-Year PFCF Range
Min: 3.61   Max: 102.71
Current: 26.3

3.61
102.71
POCF 19.19
WEBK's POCF is ranked lower than
82% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. WEBK: 19.19 )
Ranked among companies with meaningful POCF only.
WEBK' s 10-Year POCF Range
Min: 3.25   Max: 37.15
Current: 19.19

3.25
37.15
EV-to-EBIT 29.28
WEBK's EV-to-EBIT is ranked lower than
82% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. WEBK: 29.28 )
Ranked among companies with meaningful EV-to-EBIT only.
WEBK' s 10-Year EV-to-EBIT Range
Min: 14.9   Max: 34.1
Current: 29.28

14.9
34.1
Days Sales Outstanding 25.74
WEBK's Days Sales Outstanding is ranked higher than
68% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. WEBK: 25.74 )
Ranked among companies with meaningful Days Sales Outstanding only.
WEBK' s 10-Year Days Sales Outstanding Range
Min: 25.71   Max: 38.18
Current: 25.74

25.71
38.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.53
WEBK's Dividend Yield is ranked lower than
99% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. WEBK: 0.53 )
Ranked among companies with meaningful Dividend Yield only.
WEBK' s 10-Year Dividend Yield Range
Min: 0.13   Max: 0.54
Current: 0.53

0.13
0.54
Dividend Payout 0.13
WEBK's Dividend Payout is ranked higher than
87% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. WEBK: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
WEBK' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.13
Current: 0.13

0.11
0.13
Yield on cost (5-Year) 0.50
WEBK's Yield on cost (5-Year) is ranked lower than
99% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. WEBK: 0.50 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WEBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.13   Max: 0.54
Current: 0.5

0.13
0.54

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
WEBK's Price/Tangible Book is ranked higher than
71% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. WEBK: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
WEBK' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.02
Current: 0.9

0.71
1.02
Price/Median PS Value 0.90
WEBK's Price/Median PS Value is ranked higher than
84% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WEBK: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
WEBK' s 10-Year Price/Median PS Value Range
Min: 0.86   Max: 3.75
Current: 0.9

0.86
3.75
Price/Graham Number 1.00
WEBK's Price/Graham Number is ranked lower than
64% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. WEBK: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
WEBK' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 1.21
Current: 1

0.82
1.21
Earnings Yield (Greenblatt) 3.40
WEBK's Earnings Yield (Greenblatt) is ranked lower than
75% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. WEBK: 3.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
WEBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 6.7
Current: 3.4

2.9
6.7

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Wellesley Bancorp Inc was incorporated in September 2011. It is the holding company for Wellesley Bank, Wellesley, Massachusetts (the Bank). It operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its primary market areas of Wellesley, Boston and the surrounding communities. The Bank attracts deposits from the general public and use those funds to originate residential mortgage loans, commercial real estate loans and construction loans, and, to a lesser extent, commercial business loans, home equity lines of credit and other consumer loans. The Company conducts its lending and deposit activities with individuals and small businesses in its primary market area. It conducts its operations from its executive offices and three full-service branch offices located in Wellesley, Massachusetts, a community within the greater Boston metropolitan area, and one full-service branch office located in Boston. The Bank's lending market includes the communities of Wellesley, Dover and Needham in Norfolk County and the communities of Natick, Newton and Weston in Middlesex County. The Company's market area is located largely in the Boston-Cambridge-Quincy, Massachusetts/New Hampshire Metropolitan Statistical Area. The segment of its loan portfolio is mortgage loans to enable borrowers to purchase or refinance existing homes. It also offers fixed- and adjustable-rate mortgage loans secured by commercial real estate, including loans secured by multi-family real estate. It originates construction loans to contractors and builders, and to lesser extent individuals, to finance the construction of residential dwellings. It makes commercial business loans in its market area to a variety of professionals, sole proprietorships and small businesses. It offers home equity lines of credit, which are secured by owner-occupied residences. It occasionally makes fixed-rate second mortgage loans, automobile loans, loans secured by passbook or certificate accounts and overdraft loans.
» More Articles for WEBK

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