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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 0.07
WFD's Cash to Debt is ranked lower than
55% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. WFD: 0.07 )
WFD' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.07

Equity to Asset 0.12
WFD's Equity to Asset is ranked higher than
84% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WFD: 0.12 )
WFD' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.29
Current: 0.12

0.11
0.29
Interest Coverage 0.84
WFD's Interest Coverage is ranked higher than
60% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 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: 0.15
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 (%) 24.64
WFD's Operating margin (%) is ranked higher than
67% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. WFD: 24.64 )
WFD' s 10-Year Operating margin (%) Range
Min: 8.27   Max: 36.02
Current: 24.64

8.27
36.02
Net-margin (%) 19.30
WFD's Net-margin (%) is ranked higher than
70% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. WFD: 19.30 )
WFD' s 10-Year Net-margin (%) Range
Min: 8.17   Max: 25.05
Current: 19.3

8.17
25.05
ROE (%) 4.38
WFD's ROE (%) is ranked higher than
58% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. WFD: 4.38 )
WFD' s 10-Year ROE (%) Range
Min: 1.36   Max: 7.82
Current: 4.38

1.36
7.82
ROA (%) 0.53
WFD's ROA (%) is ranked higher than
63% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. WFD: 0.53 )
WFD' s 10-Year ROA (%) Range
Min: 0.24   Max: 0.88
Current: 0.53

0.24
0.88
ROC (Joel Greenblatt) (%) 21.58
WFD's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. WFD: 21.58 )
WFD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.83   Max: 73.79
Current: 21.58

4.83
73.79
Revenue Growth (%) 9.60
WFD's Revenue Growth (%) is ranked higher than
91% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WFD: 9.60 )
WFD' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.9
Current: 9.6

0
12.9
EBITDA Growth (%) 47.40
WFD's EBITDA Growth (%) is ranked higher than
96% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. WFD: 47.40 )
WFD' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 133.1
Current: 47.4

0
133.1
EPS Growth (%) 45.70
WFD's EPS Growth (%) is ranked higher than
95% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 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

Q2 2013

WFD Guru Trades in Q2 2013

Jim Simons 718,668 sh (+6.88%)
» More
Q3 2013

WFD Guru Trades in Q3 2013

Jim Simons 697,827 sh (-2.9%)
» More
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
» 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 $ 7.26-4%0
John Keeley 2012-12-31 Reduce -85.08%0.27%$6.59 - $7.48 $ 7.262%290830
John Keeley 2012-09-30 Reduce -22.29%0.09%$7.18 - $7.75 $ 7.26-2%1948819
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.30
WFD's P/E(ttm) is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. WFD: 21.30 )
WFD' s 10-Year P/E(ttm) Range
Min: 20.52   Max: 92.93
Current: 21.3

20.52
92.93
P/B 1.00
WFD's P/B is ranked higher than
81% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WFD: 1.00 )
WFD' s 10-Year P/B Range
Min: 0.78   Max: 3.04
Current: 1

0.78
3.04
P/S 4.11
WFD's P/S is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. WFD: 4.11 )
WFD' s 10-Year P/S Range
Min: 3.93   Max: 21.02
Current: 4.11

3.93
21.02
PFCF 10.80
WFD's PFCF is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. WFD: 10.80 )
WFD' s 10-Year PFCF Range
Min: 10.35   Max: 59.47
Current: 10.8

10.35
59.47
EV-to-EBIT 51.21
WFD's EV-to-EBIT is ranked higher than
58% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. WFD: 51.21 )
WFD' s 10-Year EV-to-EBIT Range
Min: 32   Max: 228.2
Current: 51.21

32
228.2
PEG 0.90
WFD's PEG is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. WFD: 0.90 )
WFD' s 10-Year PEG Range
Min: 0.87   Max: 12.93
Current: 0.9

0.87
12.93
Shiller P/E 30.50
WFD's Shiller P/E is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. WFD: 30.50 )
WFD' s 10-Year Shiller P/E Range
Min: 28.61   Max: 63.06
Current: 30.5

28.61
63.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.25
WFD's Dividend Yield is ranked higher than
68% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. WFD: 3.25 )
WFD' s 10-Year Dividend Yield Range
Min: 0.79   Max: 3.7
Current: 3.25

0.79
3.7
Dividend Payout 0.71
WFD's Dividend Payout is ranked higher than
76% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 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
72% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 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) 4.01
WFD's Yield on cost (5-Year) is ranked higher than
68% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. WFD: 4.01 )
WFD' s 10-Year Yield on cost (5-Year) Range
Min: 0.99   Max: 4.63
Current: 4.01

0.99
4.63
Share Buyback Rate 10.30
WFD's Share Buyback Rate is ranked higher than
98% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 1.00
WFD's Price/Tangible Book is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. WFD: 1.00 )
WFD' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 2.64
Current: 1

0.79
2.64
Price/DCF (Projected) 0.50
WFD's Price/DCF (Projected) is ranked higher than
89% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. WFD: 0.50 )
WFD' s 10-Year Price/DCF (Projected) Range
Min: 0.55   Max: 1.12
Current: 0.5

0.55
1.12
Price/Median PS Value 0.50
WFD's Price/Median PS Value is ranked higher than
97% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. WFD: 0.50 )
WFD' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 56.26
Current: 0.5

0.52
56.26
Price/Peter Lynch Fair Value 0.90
WFD's Price/Peter Lynch Fair Value is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WFD: 0.90 )
WFD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.92   Max: 7.43
Current: 0.9

0.92
7.43
Price/Graham Number 1.00
WFD's Price/Graham Number is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. WFD: 1.00 )
WFD' s 10-Year Price/Graham Number Range
Min: 0.96   Max: 2.65
Current: 1

0.96
2.65
Earnings Yield (Greenblatt) 2.00
WFD's Earnings Yield (Greenblatt) is ranked lower than
52% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WFD: 2.00 )
WFD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 3.1
Current: 2

0.4
3.1
Forward Rate of Return (Yacktman) 27.51
WFD's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. WFD: 27.51 )
WFD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.6   Max: 28.5
Current: 27.51

-4.6
28.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for WFD

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Westfield Financial Inc (WFD) CFO & Treasurer Leo R Jr Sagan sells 5,000 Shares Mar 11 2011 
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Westfield Financial Inc Reports Operating Results (10-Q) Nov 05 2010 
Guru Stocks Raising Dividends: Vanguard Natural Res., Spectra Energy Partners, Starbucks Corp., West Jul 31 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 

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