Switch to:

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 0.06
WEBK's Cash to Debt is ranked lower than
55% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. WEBK: 0.06 )
WEBK' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.06

Equity to Asset 0.10
WEBK's Equity to Asset is ranked higher than
71% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WEBK: 0.10 )
WEBK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.1

0.08
0.14
Interest Coverage 1.30
WEBK's Interest Coverage is ranked higher than
68% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WEBK: 1.30 )
WEBK' s 10-Year Interest Coverage Range
Min: 0.33   Max: 1.3
Current: 1.3

0.33
1.3
F-Score: 5
Z-Score: 0.18
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 : 5/10

vs
industry
vs
history
Operating margin (%) 24.45
WEBK's Operating margin (%) is ranked higher than
67% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. WEBK: 24.45 )
WEBK' s 10-Year Operating margin (%) Range
Min: 13.01   Max: 32.47
Current: 24.45

13.01
32.47
Net-margin (%) 14.98
WEBK's Net-margin (%) is ranked higher than
62% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. WEBK: 14.98 )
WEBK' s 10-Year Net-margin (%) Range
Min: 8.81   Max: 20.49
Current: 14.98

8.81
20.49
ROE (%) 4.74
WEBK's ROE (%) is ranked higher than
60% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. WEBK: 4.74 )
WEBK' s 10-Year ROE (%) Range
Min: 2.44   Max: 10.55
Current: 4.74

2.44
10.55
ROA (%) 0.48
WEBK's ROA (%) is ranked higher than
61% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. WEBK: 0.48 )
WEBK' s 10-Year ROA (%) Range
Min: 0.29   Max: 0.82
Current: 0.48

0.29
0.82
ROC (Joel Greenblatt) (%) 95.27
WEBK's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. WEBK: 95.27 )
WEBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 79.4   Max: 433.97
Current: 95.27

79.4
433.97
» WEBK's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with WEBK



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.30
WEBK's P/E(ttm) is ranked higher than
62% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. WEBK: 21.30 )
WEBK' s 10-Year P/E(ttm) Range
Min: 15.84   Max: 74.76
Current: 21.3

15.84
74.76
P/B 0.98
WEBK's P/B is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WEBK: 0.98 )
WEBK' s 10-Year P/B Range
Min: 0.77   Max: 1.04
Current: 0.98

0.77
1.04
P/S 2.82
WEBK's P/S is ranked higher than
74% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. WEBK: 2.82 )
WEBK' s 10-Year P/S Range
Min: 2.65   Max: 11.26
Current: 2.82

2.65
11.26
PFCF 16.89
WEBK's PFCF is ranked higher than
70% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. WEBK: 16.89 )
WEBK' s 10-Year PFCF Range
Min: 3.61   Max: 102.71
Current: 16.89

3.61
102.71
EV-to-EBIT 22.78
WEBK's EV-to-EBIT is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. WEBK: 22.78 )
WEBK' s 10-Year EV-to-EBIT Range
Min: 10.3   Max: 34.1
Current: 22.78

10.3
34.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.13
WEBK's Dividend Yield is ranked lower than
95% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. WEBK: 0.13 )
WEBK' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.13

Yield on cost (5-Year) 0.10
WEBK's Yield on cost (5-Year) is ranked lower than
93% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. WEBK: 0.10 )
WEBK' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
WEBK's Price/Tangible Book is ranked higher than
82% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. WEBK: 0.98 )
WEBK' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.03
Current: 0.98

0.71
1.03
Price/Median PS Value 0.94
WEBK's Price/Median PS Value is ranked higher than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. WEBK: 0.94 )
WEBK' s 10-Year Price/Median PS Value Range
Min: 0.93   Max: 3.56
Current: 0.94

0.93
3.56
Price/Graham Number 1.00
WEBK's Price/Graham Number is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. WEBK: 1.00 )
WEBK' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 1.21
Current: 1

0.82
1.21
Earnings Yield (Greenblatt) 4.40
WEBK's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WEBK: 4.40 )
WEBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 9.7
Current: 4.4

2.9
9.7

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 area. The Company's attracts deposits from the general public and use those funds to originate primarily 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. It conducts its lending and deposit activities primarily with individuals and small businesses in its primary market area. It conducts its operations from its executive offices and two full-service branch offices located in Wellesley, Massachusetts, a community within the greater Boston metropolitan area. The Company's primary 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 largest segment of its loan portfolio is mortgage loans to enable borrowers to purchase or refinance existing homes, most of which serve as the primary residence of the owner. It also offers fixed- and adjustable-rate mortgage loans secured by commercial real estate, including loans secured by multi-family real estate. It primarily originates construction loans to contractors and builders, and to lesser extent individuals, to finance the construction of residential dwellings. It makes commercial business loans primarily 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

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
Nasdaq stocks posting largest volume decreases Jul 25 2014
WELLESLEY BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 22 2014
Wellesley Bancorp names Ralph Letner as Chief Lending Officer May 21 2014
WELLESLEY BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 21 2014
Wellesley Bancorp, Inc. Announces Initial Cash Dividend and Appointment of Chief Lending Officer May 21 2014
WELLESLEY BANCORP, INC. Financials May 20 2014
WELLESLEY BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 12 2014
WELLESLEY BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 30 2014
Wellesley Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2014 Apr 30 2014
WELLESLEY BANCORP, INC. Files SEC form 10-K, Annual Report Mar 24 2014
Wellesley Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2013 Feb 05 2014
WELLESLEY BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 05 2014
Wellesley Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2013 Feb 05 2014
Wellesley Bancorp, Inc. Announces Date of 2014 Annual Meeting of Shareholders Jan 31 2014
WELLESLEY BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 31 2014
Wellesley Bancorp, Inc. Announces Date of 2014 Annual Meeting of Shareholders Jan 31 2014
Wellesley Bank Won't Be Trading Below Book Value For Long Dec 02 2013
WELLESLEY BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 08 2013
Wellesley Bancorp, Inc. Reports Results for the Quarter and Nine Months Ended September 30, 2013 Oct 30 2013
WELLESLEY BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 29 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide