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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.06
WFD's Cash to Debt is ranked lower than
54% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. WFD: 0.06 )
WFD' s 10-Year Cash to Debt Range
Min: 0.03   Max: 9999
Current: 0.06

0.03
9999
Equity to Asset 0.11
WFD's Equity to Asset is ranked higher than
79% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WFD: 0.11 )
WFD' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.29
Current: 0.11

0.11
0.29
Interest Coverage 0.81
WFD's Interest Coverage is ranked higher than
62% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. WFD: 0.81 )
WFD' s 10-Year Interest Coverage Range
Min: 0.18   Max: 0.84
Current: 0.81

0.18
0.84
F-Score: 6
Z-Score: 0.19
WACC vs ROIC
3.79%
1.41%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 22.64
WFD's Operating margin (%) is ranked higher than
63% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. WFD: 22.64 )
WFD' s 10-Year Operating margin (%) Range
Min: -2975.7   Max: 36.02
Current: 22.64

-2975.7
36.02
Net-margin (%) 17.34
WFD's Net-margin (%) is ranked higher than
65% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. WFD: 17.34 )
WFD' s 10-Year Net-margin (%) Range
Min: 8.17   Max: 706.99
Current: 17.34

8.17
706.99
ROE (%) 4.17
WFD's ROE (%) is ranked higher than
57% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. WFD: 4.17 )
WFD' s 10-Year ROE (%) Range
Min: 1.28   Max: 5.32
Current: 4.17

1.28
5.32
ROA (%) 0.48
WFD's ROA (%) is ranked higher than
61% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. WFD: 0.48 )
WFD' s 10-Year ROA (%) Range
Min: 0.25   Max: 0.85
Current: 0.48

0.25
0.85
ROC (Joel Greenblatt) (%) 14.22
WFD's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. WFD: 14.22 )
WFD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -235.77   Max: 147.57
Current: 14.22

-235.77
147.57
Revenue Growth (3Y)(%) 14.80
WFD's Revenue Growth (3Y)(%) is ranked higher than
93% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. WFD: 14.80 )
WFD' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 251.7
Current: 14.8

0
251.7
EBITDA Growth (3Y)(%) 18.10
WFD's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1846 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WFD: 18.10 )
WFD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 47.4
Current: 18.1

0
47.4
EPS Growth (3Y)(%) 15.60
WFD's EPS Growth (3Y)(%) is ranked higher than
81% of the 1864 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. WFD: 15.60 )
WFD' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 45.7
Current: 15.6

0
45.7
» WFD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

WFD Guru Trades in Q1 2014

Jim Simons 714,672 sh (+2.81%)
» More
Q2 2014

WFD Guru Trades in Q2 2014

Jim Simons 814,855 sh (+14.02%)
» More
Q3 2014

WFD Guru Trades in Q3 2014

Jim Simons 792,745 sh (-2.71%)
» More
Q4 2014

WFD Guru Trades in Q4 2014

Jim Simons 846,288 sh (+6.75%)
» More
» Details

Insider Trades

Latest Guru Trades with WFD

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.20
WFD's P/E(ttm) is ranked higher than
65% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. WFD: 23.20 )
WFD' s 10-Year P/E(ttm) Range
Min: 20.73   Max: 77.08
Current: 23.2

20.73
77.08
Forward P/E 15.67
WFD's Forward P/E is ranked higher than
70% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 15.67 )
N/A
PE(NRI) 23.50
WFD's PE(NRI) is ranked higher than
69% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. WFD: 23.50 )
WFD' s 10-Year PE(NRI) Range
Min: 20.91   Max: 77.08
Current: 23.5

20.91
77.08
P/B 1.02
WFD's P/B is ranked higher than
79% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. WFD: 1.02 )
WFD' s 10-Year P/B Range
Min: 0.78   Max: 2.87
Current: 1.02

0.78
2.87
P/S 3.96
WFD's P/S is ranked higher than
55% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. WFD: 3.96 )
WFD' s 10-Year P/S Range
Min: 3.64   Max: 65.02
Current: 3.96

3.64
65.02
PFCF 13.61
WFD's PFCF is ranked higher than
79% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 13.61 )
WFD' s 10-Year PFCF Range
Min: 8.9   Max: 116.99
Current: 13.61

8.9
116.99
POCF 11.41
WFD's POCF is ranked higher than
81% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. WFD: 11.41 )
WFD' s 10-Year POCF Range
Min: 8.27   Max: 80.99
Current: 11.41

8.27
80.99
EV-to-EBIT 56.35
WFD's EV-to-EBIT is ranked higher than
61% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. WFD: 56.35 )
WFD' s 10-Year EV-to-EBIT Range
Min: -20.2   Max: 219.9
Current: 56.35

-20.2
219.9
PEG 1.08
WFD's PEG is ranked higher than
92% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 1.08 )
WFD' s 10-Year PEG Range
Min: 0.82   Max: 34.39
Current: 1.08

0.82
34.39
Shiller P/E 31.12
WFD's Shiller P/E is ranked higher than
80% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 31.12 )
WFD' s 10-Year Shiller P/E Range
Min: 28.52   Max: 63.06
Current: 31.12

28.52
63.06
Days Sales Outstanding 43.29
WFD's Days Sales Outstanding is ranked higher than
85% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 43.29 )
WFD' s 10-Year Days Sales Outstanding Range
Min: 42.47   Max: 2512.25
Current: 43.29

42.47
2512.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.32
WFD's Dividend Yield is ranked lower than
52% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. WFD: 2.32 )
WFD' s 10-Year Dividend Yield Range
Min: 0.9   Max: 3.7
Current: 2.32

0.9
3.7
Dividend Payout 0.62
WFD's Dividend Payout is ranked higher than
66% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. WFD: 0.62 )
WFD' s 10-Year Dividend Payout Range
Min: 0.26   Max: 2
Current: 0.62

0.26
2
Dividend growth (3y) -4.40
WFD's Dividend growth (3y) is ranked higher than
65% of the 1338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WFD: -4.40 )
WFD' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 65.9
Current: -4.4

0
65.9
Yield on cost (5-Year) 2.48
WFD's Yield on cost (5-Year) is ranked lower than
54% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. WFD: 2.48 )
WFD' s 10-Year Yield on cost (5-Year) Range
Min: 0.97   Max: 3.99
Current: 2.48

0.97
3.99
Share Buyback Rate 11.90
WFD's Share Buyback Rate is ranked higher than
96% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. WFD: 11.90 )
WFD' s 10-Year Share Buyback Rate Range
Min: 0   Max: 1
Current: 11.9

0
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
WFD's Price/Tangible Book is ranked higher than
83% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. WFD: 1.02 )
WFD' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 2.64
Current: 1.02

0.79
2.64
Price/DCF (Projected) 0.54
WFD's Price/DCF (Projected) is ranked higher than
91% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 0.54 )
WFD' s 10-Year Price/DCF (Projected) Range
Min: 0.51   Max: 1.13
Current: 0.54

0.51
1.13
Price/Median PS Value 0.54
WFD's Price/Median PS Value is ranked higher than
98% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. WFD: 0.54 )
WFD' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 31.49
Current: 0.54

0.51
31.49
Price/Peter Lynch Fair Value 0.94
WFD's Price/Peter Lynch Fair Value is ranked higher than
95% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WFD: 0.94 )
WFD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.89   Max: 1.18
Current: 0.94

0.89
1.18
Price/Graham Number 1.04
WFD's Price/Graham Number is ranked higher than
74% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WFD: 1.04 )
WFD' s 10-Year Price/Graham Number Range
Min: 0.98   Max: 2.47
Current: 1.04

0.98
2.47
Earnings Yield (Greenblatt) 1.80
WFD's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. WFD: 1.80 )
WFD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 6.5
Current: 1.8

0.5
6.5
Forward Rate of Return (Yacktman) 33.66
WFD's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. WFD: 33.66 )
WFD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.9   Max: 34.3
Current: 33.66

-7.9
34.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Westfield Financial Inc 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. It is the parent company of Westfield Bank. The Bank was formed in 1853 and is a federally chartered savings bank regulated by the Office of Comptroller of the Currency. As a community bank, it serves commercial customers, including commercial and industrial lending and commercial deposit relationships. The Company operates 11 banking offices in Agawam, East Longmeadow, Holyoke, Southwick, Springfield, West Springfield and Westfield, Massachusetts and 1 banking office in Granby, Connecticut. It also has 12 free-standing ATM locations in Feeding Hills, Holyoke, Southwick Springfield, West Springfield and Westfield, Massachusetts. Its primary deposit gathering area is concentrated in the communities surrounding these locations and its primary lending area includes all of Hampden County in western Massachusetts. The Company competes with other financial institutions, many with a local, state-wide or regional presence and, in some cases, a national presence. Its competition for loans comes principally from commercial banks, savings institutions, mortgage banking firms, credit unions, finance companies, mutual funds, insurance companies and brokerage and investment banking firms. It also faces additional competition for deposits from internet-based institutions, credit unions, brokerage firms and insurance companies. The Company is subject to extensive regulation under federal and state laws.
» More Articles for WFD

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