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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 0.04
WFD's Cash to Debt is ranked lower than
98% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. WFD: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
WFD' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.12 Max: N/A
Current: 0.04
Equity to Asset 0.10
WFD's Equity to Asset is ranked higher than
51% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WFD: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
WFD' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.16 Max: 0.29
Current: 0.1
0.1
0.29
Interest Coverage 0.81
WFD's Interest Coverage is ranked lower than
68% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. WFD: 0.81 )
Ranked among companies with meaningful Interest Coverage only.
WFD' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.52 Max: 0.84
Current: 0.81
0.18
0.84
F-Score: 6
WACC vs ROIC
3.83%
1.35%
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 (%) 21.73
WFD's Operating margin (%) is ranked lower than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. WFD: 21.73 )
Ranked among companies with meaningful Operating margin (%) only.
WFD' s 10-Year Operating margin (%) Range
Min: -2975.7  Med: 20.91 Max: 36.02
Current: 21.73
-2975.7
36.02
Net-margin (%) 16.36
WFD's Net-margin (%) is ranked lower than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. WFD: 16.36 )
Ranked among companies with meaningful Net-margin (%) only.
WFD' s 10-Year Net-margin (%) Range
Min: 8.17  Med: 19.30 Max: 706.99
Current: 16.36
8.17
706.99
ROE (%) 4.11
WFD's ROE (%) is ranked lower than
79% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. WFD: 4.11 )
Ranked among companies with meaningful ROE (%) only.
WFD' s 10-Year ROE (%) Range
Min: 1.28  Med: 3.04 Max: 5.32
Current: 4.11
1.28
5.32
ROA (%) 0.44
WFD's ROA (%) is ranked lower than
75% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WFD: 0.44 )
Ranked among companies with meaningful ROA (%) only.
WFD' s 10-Year ROA (%) Range
Min: 0.25  Med: 0.52 Max: 0.85
Current: 0.44
0.25
0.85
Revenue Growth (3Y)(%) 14.80
WFD's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. WFD: 14.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WFD' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 10.00 Max: 251.7
Current: 14.8
0
251.7
EBITDA Growth (3Y)(%) 18.10
WFD's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. WFD: 18.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WFD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -1.10 Max: 47.4
Current: 18.1
0
47.4
EPS Growth (3Y)(%) 15.60
WFD's EPS Growth (3Y)(%) is ranked higher than
64% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. WFD: 15.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WFD' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 8.60 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

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
Q1 2015

WFD Guru Trades in Q1 2015

Chuck Royce 218,894 sh (New)
Jim Simons 875,927 sh (+3.50%)
» More
Q2 2015

WFD Guru Trades in Q2 2015

Chuck Royce 458,754 sh (+109.58%)
Jim Simons 912,989 sh (+4.23%)
» 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) 22.31
WFD's P/E(ttm) is ranked lower than
83% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. WFD: 22.31 )
Ranked among companies with meaningful P/E(ttm) only.
WFD' s 10-Year P/E(ttm) Range
Min: 20.73  Med: 37.43 Max: 77.08
Current: 22.31
20.73
77.08
Forward P/E 18.18
WFD's Forward P/E is ranked lower than
91% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. WFD: 18.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.70
WFD's PE(NRI) is ranked lower than
84% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. WFD: 22.70 )
Ranked among companies with meaningful PE(NRI) only.
WFD' s 10-Year PE(NRI) Range
Min: 20.91  Med: 37.81 Max: 77.08
Current: 22.7
20.91
77.08
P/B 0.99
WFD's P/B is ranked higher than
57% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. WFD: 0.99 )
Ranked among companies with meaningful P/B only.
WFD' s 10-Year P/B Range
Min: 0.78  Med: 1.05 Max: 2.87
Current: 0.99
0.78
2.87
P/S 3.67
WFD's P/S is ranked lower than
68% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. WFD: 3.67 )
Ranked among companies with meaningful P/S only.
WFD' s 10-Year P/S Range
Min: 3.58  Med: 6.99 Max: 65.02
Current: 3.67
3.58
65.02
PFCF 17.34
WFD's PFCF is ranked lower than
75% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. WFD: 17.34 )
Ranked among companies with meaningful PFCF only.
WFD' s 10-Year PFCF Range
Min: 8.9  Med: 18.40 Max: 275.5
Current: 17.34
8.9
275.5
POCF 11.29
WFD's POCF is ranked lower than
62% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. WFD: 11.29 )
Ranked among companies with meaningful POCF only.
WFD' s 10-Year POCF Range
Min: 8.27  Med: 17.55 Max: 157.43
Current: 11.29
8.27
157.43
EV-to-EBIT 55.32
WFD's EV-to-EBIT is ranked lower than
92% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. WFD: 55.32 )
Ranked among companies with meaningful EV-to-EBIT only.
WFD' s 10-Year EV-to-EBIT Range
Min: -20.2  Med: 54.70 Max: 219.9
Current: 55.32
-20.2
219.9
PEG 1.04
WFD's PEG is ranked lower than
52% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WFD: 1.04 )
Ranked among companies with meaningful PEG only.
WFD' s 10-Year PEG Range
Min: 0.81  Med: 1.10 Max: 15.35
Current: 1.04
0.81
15.35
Shiller P/E 27.98
WFD's Shiller P/E is ranked lower than
84% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. WFD: 27.98 )
Ranked among companies with meaningful Shiller P/E only.
WFD' s 10-Year Shiller P/E Range
Min: 27.04  Med: 37.50 Max: 63.06
Current: 27.98
27.04
63.06
Days Sales Outstanding 42.71
WFD's Days Sales Outstanding is ranked lower than
60% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. WFD: 42.71 )
Ranked among companies with meaningful Days Sales Outstanding only.
WFD' s 10-Year Days Sales Outstanding Range
Min: 42.47  Med: 53.11 Max: 2512.25
Current: 42.71
42.47
2512.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.61
WFD's Dividend Yield is ranked lower than
75% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. WFD: 1.61 )
Ranked among companies with meaningful Dividend Yield only.
WFD' s 10-Year Dividend Yield Range
Min: 0.95  Med: 2.31 Max: 3.7
Current: 1.61
0.95
3.7
Dividend Payout 0.45
WFD's Dividend Payout is ranked lower than
68% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WFD: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
WFD' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.75 Max: 2.38
Current: 0.45
0.18
2.38
Dividend growth (3y) -4.40
WFD's Dividend growth (3y) is ranked lower than
77% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WFD: -4.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
WFD' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 4.75 Max: 65.9
Current: -4.4
0
65.9
Yield on cost (5-Year) 1.72
WFD's Yield on cost (5-Year) is ranked lower than
75% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. WFD: 1.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WFD' s 10-Year Yield on cost (5-Year) Range
Min: 1.02  Med: 2.49 Max: 3.99
Current: 1.72
1.02
3.99
Share Buyback Rate 11.90
WFD's Share Buyback Rate is ranked higher than
99% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WFD: 11.90 )
Ranked among companies with meaningful Share Buyback Rate only.
WFD' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.95 Max: 1
Current: 11.9
0
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
WFD's Price/Tangible Book is ranked higher than
61% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. WFD: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
WFD' s 10-Year Price/Tangible Book Range
Min: 0.79  Med: 1.10 Max: 2.64
Current: 0.99
0.79
2.64
Price/Projected FCF 0.52
WFD's Price/Projected FCF is ranked higher than
67% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. WFD: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
WFD' s 10-Year Price/Projected FCF Range
Min: 0.48  Med: 0.79 Max: 1.16
Current: 0.52
0.48
1.16
Price/Median PS Value 0.52
WFD's Price/Median PS Value is ranked higher than
95% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. WFD: 0.52 )
Ranked among companies with meaningful Price/Median PS Value only.
WFD' s 10-Year Price/Median PS Value Range
Min: 0.51  Med: 1.15 Max: 67.49
Current: 0.52
0.51
67.49
Price/Peter Lynch Fair Value 0.90
WFD's Price/Peter Lynch Fair Value is ranked higher than
51% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. WFD: 0.90 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WFD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.86  Med: 1.14 Max: 2.83
Current: 0.9
0.86
2.83
Price/Graham Number 1.02
WFD's Price/Graham Number is ranked lower than
68% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. WFD: 1.02 )
Ranked among companies with meaningful Price/Graham Number only.
WFD' s 10-Year Price/Graham Number Range
Min: 0.93  Med: 1.47 Max: 2.65
Current: 1.02
0.93
2.65
Earnings Yield (Greenblatt) (%) 1.80
WFD's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. WFD: 1.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WFD' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 1.70 Max: 6.5
Current: 1.8
0.5
6.5
Forward Rate of Return (Yacktman) (%) 33.71
WFD's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. WFD: 33.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WFD' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.6  Med: 3.30 Max: 35.3
Current: 33.71
-4.6
35.3

Analyst Estimate

Dec15 Dec16
EPS($) 0.33 0.41
EPS without NRI($) 0.33 0.41

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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