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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
54% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. WFD: 0.04 )
WFD' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.04

Equity to Asset 0.11
WFD's Equity to Asset is ranked higher than
76% of the 2010 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 0.84
WFD's Interest Coverage is ranked higher than
61% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. WFD: 0.84 )
WFD' s 10-Year Interest Coverage Range
Min: 0.18   Max: 0.84
Current: 0.84

0.18
0.84
F-Score: 6
Z-Score: 0.19
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 (%) 23.09
WFD's Operating margin (%) is ranked higher than
65% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. WFD: 23.09 )
WFD' s 10-Year Operating margin (%) Range
Min: -2975.7   Max: 36.02
Current: 23.09

-2975.7
36.02
Net-margin (%) 17.76
WFD's Net-margin (%) is ranked higher than
68% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. WFD: 17.76 )
WFD' s 10-Year Net-margin (%) Range
Min: 8.17   Max: 706.99
Current: 17.76

8.17
706.99
ROE (%) 4.18
WFD's ROE (%) is ranked higher than
58% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. WFD: 4.18 )
WFD' s 10-Year ROE (%) Range
Min: 1.28   Max: 5.32
Current: 4.18

1.28
5.32
ROA (%) 0.49
WFD's ROA (%) is ranked higher than
62% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WFD: 0.49 )
WFD' s 10-Year ROA (%) Range
Min: 0.25   Max: 0.85
Current: 0.49

0.25
0.85
ROC (Joel Greenblatt) (%) 17.06
WFD's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. WFD: 17.06 )
WFD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -235.77   Max: 147.57
Current: 17.06

-235.77
147.57
Revenue Growth (%) 9.60
WFD's Revenue Growth (%) is ranked higher than
91% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WFD: 9.60 )
WFD' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 251.7
Current: 9.6

0
251.7
EBITDA Growth (%) 47.40
WFD's EBITDA Growth (%) is ranked higher than
96% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. WFD: 47.40 )
WFD' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 47.4
Current: 47.4

0
47.4
EPS Growth (%) 45.70
WFD's EPS Growth (%) is ranked higher than
95% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. WFD: 45.70 )
WFD' s 10-Year EPS Growth (%) Range
Min: 0   Max: 45.7
Current: 45.7

0
45.7
» WFD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

WFD Guru Trades in Q4 2013

Jim Simons 695,129 sh (-0.39%)
» More
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
» 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%)

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 $ 7.2-5%0
John Keeley 2012-12-31 Reduce -85.08%0.27%$6.59 - $7.48 $ 7.21%290830
John Keeley 2012-09-30 Reduce -22.29%0.09%$7.18 - $7.75 $ 7.2-3%1948819
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.60
WFD's P/E(ttm) is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. WFD: 21.60 )
WFD' s 10-Year P/E(ttm) Range
Min: 20.73   Max: 77.08
Current: 21.6

20.73
77.08
P/B 0.96
WFD's P/B is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. WFD: 0.96 )
WFD' s 10-Year P/B Range
Min: 0.78   Max: 2.87
Current: 0.96

0.78
2.87
P/S 3.77
WFD's P/S is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. WFD: 3.77 )
WFD' s 10-Year P/S Range
Min: 3.68   Max: 65.02
Current: 3.77

3.68
65.02
PFCF 9.11
WFD's PFCF is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WFD: 9.11 )
WFD' s 10-Year PFCF Range
Min: 8.9   Max: 116.99
Current: 9.11

8.9
116.99
EV-to-EBIT 54.46
WFD's EV-to-EBIT is ranked higher than
60% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. WFD: 54.46 )
WFD' s 10-Year EV-to-EBIT Range
Min: -20.2   Max: 219.9
Current: 54.46

-20.2
219.9
PEG 0.93
WFD's PEG is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WFD: 0.93 )
WFD' s 10-Year PEG Range
Min: 0.84   Max: 34.39
Current: 0.93

0.84
34.39
Shiller P/E 29.99
WFD's Shiller P/E is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WFD: 29.99 )
WFD' s 10-Year Shiller P/E Range
Min: 28.61   Max: 63.06
Current: 29.99

28.61
63.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.92
WFD's Dividend Yield is ranked higher than
64% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. WFD: 2.92 )
WFD' s 10-Year Dividend Yield Range
Min: 0.79   Max: 3.7
Current: 2.92

0.79
3.7
Dividend Payout 0.71
WFD's Dividend Payout is ranked higher than
61% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. WFD: 0.71 )
WFD' s 10-Year Dividend Payout Range
Min: 0.18   Max: 2.38
Current: 0.71

0.18
2.38
Dividend growth (3y) 2.90
WFD's Dividend growth (3y) is ranked higher than
73% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. WFD: 2.90 )
WFD' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 65.9
Current: 2.9

0
65.9
Yield on cost (5-Year) 3.63
WFD's Yield on cost (5-Year) is ranked higher than
67% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. WFD: 3.63 )
WFD' s 10-Year Yield on cost (5-Year) Range
Min: 0.99   Max: 4.63
Current: 3.63

0.99
4.63
Share Buyback Rate 10.30
WFD's Share Buyback Rate is ranked higher than
97% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. WFD: 10.30 )
WFD' s 10-Year Share Buyback Rate Range
Min: 0   Max: 1
Current: 10.3

0
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
WFD's Price/Tangible Book is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. WFD: 0.96 )
WFD' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 2.64
Current: 0.96

0.79
2.64
Price/DCF (Projected) 0.49
WFD's Price/DCF (Projected) is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. WFD: 0.49 )
WFD' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 1.13
Current: 0.49

0.48
1.13
Price/Median PS Value 0.49
WFD's Price/Median PS Value is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. WFD: 0.49 )
WFD' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 59.05
Current: 0.49

0.48
59.05
Price/Peter Lynch Fair Value 0.88
WFD's Price/Peter Lynch Fair Value is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WFD: 0.88 )
WFD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.86   Max: 2.83
Current: 0.88

0.86
2.83
Price/Graham Number 0.97
WFD's Price/Graham Number is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WFD: 0.97 )
WFD' s 10-Year Price/Graham Number Range
Min: 0.95   Max: 2.65
Current: 0.97

0.95
2.65
Earnings Yield (Greenblatt) 1.80
WFD's Earnings Yield (Greenblatt) is ranked higher than
55% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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) 32.58
WFD's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. WFD: 32.58 )
WFD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.9   Max: 32.9
Current: 32.58

-7.9
32.9

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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