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7.62 (1y: +7%)
Market Cap 164.4 M P/E(ttm) 30.80
Enterprise Value 510.08 M P/B 0.90
WFD- NAS (USA)
Westfield Financial, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$7.62
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.032
WFD's Cash to Debt is ranked lower than
99% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. WFD: 0.032 )
WFD' s 10-Year Cash to Debt Range
Min: 0.03   Max: 9.41
Current: 0.03
0.03
9.41
Equity to Asset 0.145
WFD's Equity to Asset is ranked higher than
77% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WFD: 0.145 )
WFD' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.29
Current: 0.15
0.11
0.29
Interest Coverage No Debt
WFD's Interest Coverage is ranked lower than
66% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. WFD: No Debt )
WFD' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 23.40
WFD's Operating margin (%) is ranked lower than
66% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. WFD: 23.40 )
WFD' s 10-Year Operating margin (%) Range
Min: 8.3   Max: 36
Current: 23.4
8.3
36
Net-margin (%) 17.2
WFD's Net-margin (%) is ranked lower than
60% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. WFD: 17.2 )
WFD' s 10-Year Net-margin (%) Range
Min: 8.2   Max: 25
Current: 17.2
8.2
25
ROE (%) 3.3
WFD's ROE (%) is ranked lower than
78% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. WFD: 3.3 )
WFD' s 10-Year ROE (%) Range
Min: 1.4   Max: 7.8
Current: 3.3
1.4
7.8
ROA (%) 0.5
WFD's ROA (%) is ranked lower than
74% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WFD: 0.5 )
WFD' s 10-Year ROA (%) Range
Min: 0.2   Max: 0.9
Current: 0.5
0.2
0.9
ROC (Joel Greenblatt) (%) 12.20
WFD's ROC (Joel Greenblatt) (%) is ranked lower than
88% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 84.50 vs. WFD: 12.20 )
WFD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.8   Max: 197.7
Current: 12.2
4.8
197.7
Revenue Growth (%) 5.3
WFD's Revenue Growth (%) is ranked lower than
51% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. WFD: 5.3 )
WFD' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 38.1
Current: 5.3
0
38.1
EBITDA Growth (%) 9.6
WFD's EBITDA Growth (%) is ranked lower than
66% of the 333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.00 vs. WFD: 9.6 )
WFD' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 129.3
Current: 9.6
0
129.3
EPS Growth (%) 9.6
WFD's EPS Growth (%) is ranked lower than
71% of the 331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.00 vs. WFD: 9.6 )
WFD' s 10-Year EPS Growth (%) Range
Min: 0   Max: 45.3
Current: 9.6
0
45.3
ยป WFD's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

WFD Guru Trades in Q2 2012

John Keeley 2,507,702 sh (-0.37%)
Jim Simons 690,327 sh (-2.8%)
» More
Q3 2012

WFD Guru Trades in Q3 2012

Jim Simons Sold Out
John Keeley 1,948,819 sh (-22.29%)
» More
Q4 2012

WFD Guru Trades in Q4 2012

John Keeley 290,830 sh (-85.08%)
» More
Q1 2013

WFD Guru Trades in Q1 2013

Jim Simons 672,427 sh (New)
John Keeley Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WFD

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-03-31 Sold Out 0.05%$7.12 - $7.89 $ 7.631%0
John Keeley 2012-12-31 Reduce -85.08%0.27%$6.59 - $7.48 $ 7.637%290830
John Keeley 2012-09-30 Reduce -22.29%0.09%$7.18 - $7.75 $ 7.633%1948819
Mario Gabelli 2011-03-31 Sold Out $8.4 - $9.25 $ 7.63-13%0
Mario Gabelli 2010-09-30 New Buy$7.33 - $8.84 $ 7.63-4%66850
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 30.80
WFD's P/E(ttm) is ranked lower than
90% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. WFD: 30.80 )
WFD' s 10-Year P/E(ttm) Range
Min: 16.26   Max: 173.15
Current: 30.8
16.26
173.15
P/B 0.90
WFD's P/B is ranked higher than
56% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. WFD: 0.90 )
WFD' s 10-Year P/B Range
Min: 0.11   Max: 2.87
Current: 0.9
0.11
2.87
P/S 5.10
WFD's P/S is ranked lower than
88% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. WFD: 5.10 )
WFD' s 10-Year P/S Range
Min: 3.13   Max: 27.43
Current: 5.1
3.13
27.43
PFCF 15.60
WFD's PFCF is ranked lower than
80% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WFD: 15.60 )
WFD' s 10-Year PFCF Range
Min: 6.94   Max: 246.85
Current: 15.6
6.94
246.85
EV-to-EBIT 62.5
WFD's EV-to-EBIT is ranked lower than
90% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. WFD: 62.5 )
WFD' s 10-Year EV-to-EBIT Range
Min: 7.8   Max: 188.5
Current: 62.5
7.8
188.5
PEG 10.3
WFD's PEG is ranked lower than
95% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. WFD: 10.3 )
WFD' s 10-Year PEG Range
Min: 0.18   Max: 122.85
Current: 10.3
0.18
122.85
Shiller P/E 32.9
WFD's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. WFD: 32.9 )
WFD' s 10-Year Shiller P/E Range
Min: 22.76   Max: 44.67
Current: 32.9
22.76
44.67

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.20
WFD's Dividend Yield is ranked higher than
70% of the 636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. WFD: 3.20 )
WFD' s 10-Year Dividend Yield Range
Min: 0.32   Max: 3.7
Current: 3.2
0.32
3.7
Dividend Payout 0.9866
WFD's Dividend Payout is ranked lower than
91% of the 537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.40 vs. WFD: 0.9866 )
WFD' s 10-Year Dividend Payout Range
Min: 0.26   Max: 2.03
Current: 0.99
0.26
2.03
Dividend growth (3y) 4.7
WFD's Dividend growth (3y) is ranked lower than
60% of the 177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. WFD: 4.7 )
WFD' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 46.2
Current: 4.7
0
46.2
Yield on cost (5-Year) 4.20
WFD's Yield on cost (5-Year) is ranked higher than
79% of the 639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.93 vs. WFD: 4.20 )
WFD' s 10-Year Yield on cost (5-Year) Range
Min: 0.42   Max: 4.86
Current: 4.2
0.42
4.86
Share Buyback Rate 4.6
WFD's Share Buyback Rate is ranked higher than
84% of the 105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WFD: 4.6 )
WFD' s 10-Year Share Buyback Rate Range
Min: 0   Max: -32.8
Current: 4.6

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
WFD's Price/Tangible Book is ranked higher than
61% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WFD: 0.9 )
WFD' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 2.2
Current: 0.9
0.3
2.2
Price/DCF (Projected) 0.7
WFD's Price/DCF (Projected) is ranked lower than
63% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. WFD: 0.7 )
WFD' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.9
Current: 0.7
0.1
0.9
Price/Median PS Value 0.7
WFD's Price/Median PS Value is ranked higher than
75% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WFD: 0.7 )
WFD' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.3
Current: 0.7
0.5
1.3
Price/Graham Number 1.1
WFD's Price/Graham Number is ranked lower than
80% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WFD: 1.1 )
WFD' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 2.4
Current: 1.1
0.6
2.4
Earnings Yield (Greenblatt) 1.60
WFD's Earnings Yield (Greenblatt) is ranked lower than
90% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. WFD: 1.60 )
WFD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 12.8
Current: 1.6
0.5
12.8
Forward Rate of Return (Yacktman) 5.28
WFD's Forward Rate of Return (Yacktman) is ranked lower than
86% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. WFD: 5.28 )
WFD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.6   Max: 110.8
Current: 5.28
-14.6
110.8

Business Description

Westfield Financial is a Massachusetts-chartered stock holding company and the parent company of Westfield Bank. The Company was formed in 2001 in connection with its reorganization from a federally-chartered mutual holding company to a Massachusetts-chartered stock holding company with the second step conversion being completed in 2007. The Bank was formed in 1853 and is a federally-chartered savings bank regulated by the Office of Comptroller of the Currency. Westfield Bank's deposits are insured to the limits specified by the Federal Deposit Insurance Corporation. The Bank operates eleven branches in western Massachusetts and its primary sources of revenue are income from securities and earnings on loans to small and middle-market businesses and to residential property homeowners. Westfield Bank has been a community-oriented provider of traditional banking products and services to business organizations and individuals, including products such as residential and commercial real estate loans, consumer loans and a variety of deposit products. Westfield Bank's loan portfolio mainly consists of commercial and industrial loans, commercial real estate loans, residential real estate loans, home equity loans, and consumer loans. Westfield Bank offers commercial and industrial loan products and services which are designed to give business owners borrowing opportunities for modernization, inventory, equipment, construction, consolidation, real estate, working capital, vehicle purchases and the financing of existing corporate debt. Westfield Bank offers business installment loans, vehicle and equipment financing, lines of credit, equipment leasing and other commercial loans. Westfield Bank originates commercial real estate loans to finance the purchase of real property, which generally consists of apartment buildings, business properties, multi-family investment properties and construction loans to developers of commercial and residential properties. Westfield Bank also offers construction loans to finance the construction of commercial properties located in its primary market area. Consumer loans are generally originated at higher interest rates than residential and commercial real estate loans, but they also generally tend to have a higher credit risk than residential real estate loans because they are usually unsecured or secured by rapidly depreciable assets. Westfield Bank offers a variety of consumer loans to retail customers in the communities it serves.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for WFD

Headlines

Articles On GuruFocus.com
People's United Financial Inc. Dividend Stock Analysis Mar 01 2013 
People's United Financial Inc. (PBCT) Dividend Stock Analysis Aug 24 2012 
Westfield Financial Inc (WFD) CFO & Treasurer Leo R Jr Sagan sells 5,000 Shares Mar 11 2011 
Westfield Financial Inc (WFD) President and CEO James C Hagan sells 5,000 Shares Feb 24 2011 
Westfield Financial Inc Reports Operating Results (10-Q) Nov 05 2010 
Guru Stocks Raising Dividends: Vanguard Natural Res., Spectra Energy Partners, Starbucks Corp., West Aug 01 2010 
Companies Raising Dividends: General Electric, Enbridge Energy Partners, Navios Maritime Partners, W Jul 26 2010 
Westfield Financial Inc (WFD) President and CEO James C Hagan sells 9,600 Shares Mar 05 2010 
Westfield Financial Inc (WFD) CFO & Treasurer Leo R Jr Sagan sells 4,475 Shares Feb 18 2010 
Westfield Financial Inc Reports Operating Results (10-Q) Nov 05 2009 

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