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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.03
WEBK's Cash-to-Debt is ranked lower than
99% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. WEBK: 0.03 )
Ranked among companies with meaningful Cash-to-Debt only.
WEBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.31 Max: N/A
Current: 0.03
Equity-to-Asset 0.08
WEBK's Equity-to-Asset is ranked lower than
77% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WEBK: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
WEBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.14
Current: 0.08
0.08
0.14
Interest Coverage 1.01
WEBK's Interest Coverage is ranked lower than
65% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. WEBK: 1.01 )
Ranked among companies with meaningful Interest Coverage only.
WEBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 0.99 Max: 1.3
Current: 1.01
0.33
1.3
Beneish M-Score: -2.52
WACC vs ROIC
2.63%
2.22%
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 : 6/10

vs
industry
vs
history
Operating Margin % 22.67
WEBK's Operating Margin % is ranked lower than
71% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. WEBK: 22.67 )
Ranked among companies with meaningful Operating Margin % only.
WEBK' s Operating Margin % Range Over the Past 10 Years
Min: 13.01  Med: 22.44 Max: 32.47
Current: 22.67
13.01
32.47
Net Margin % 13.90
WEBK's Net Margin % is ranked lower than
77% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. WEBK: 13.90 )
Ranked among companies with meaningful Net Margin % only.
WEBK' s Net Margin % Range Over the Past 10 Years
Min: 8.81  Med: 13.87 Max: 20.49
Current: 13.9
8.81
20.49
ROE % 5.61
WEBK's ROE % is ranked lower than
72% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. WEBK: 5.61 )
Ranked among companies with meaningful ROE % only.
WEBK' s ROE % Range Over the Past 10 Years
Min: 3.25  Med: 5.35 Max: 11.12
Current: 5.61
3.25
11.12
ROA % 0.46
WEBK's ROA % is ranked lower than
77% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. WEBK: 0.46 )
Ranked among companies with meaningful ROA % only.
WEBK' s ROA % Range Over the Past 10 Years
Min: 0.32  Med: 0.47 Max: 0.85
Current: 0.46
0.32
0.85
3-Year Revenue Growth Rate 12.10
WEBK's 3-Year Revenue Growth Rate is ranked higher than
79% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. WEBK: 12.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WEBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 12.1 Max: 18.5
Current: 12.1
0
18.5
3-Year EBITDA Growth Rate 10.30
WEBK's 3-Year EBITDA Growth Rate is ranked higher than
61% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. WEBK: 10.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WEBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.8 Max: 38.6
Current: 10.3
0
38.6
3-Year EPS without NRI Growth Rate 8.50
WEBK's 3-Year EPS without NRI Growth Rate is ranked higher than
54% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. WEBK: 8.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WEBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 35.4
Current: 8.5
0
35.4
GuruFocus has detected 5 Warning Signs with Wellesley Bancorp Inc $WEBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WEBK's 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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Headquarter Location:USA
Wellesley Bancorp Inc provides financial services to individuals, non-profit organizations, small businesses and other entities within eastern Massachusetts.

Wellesley Bancorp Inc was incorporated in September 2011. It is the holding company for Wellesley Bank, Wellesley, Massachusetts (the Bank). It operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its primary market areas of Wellesley, Boston and the surrounding communities. The Bank attracts deposits from the general public and use those funds to originate residential mortgage loans, commercial real estate loans and construction loans, and, to a lesser extent, commercial business loans, home equity lines of credit and other consumer loans. The Company conducts its lending and deposit activities with individuals and small businesses in its primary market area. It conducts its operations from its executive offices and three full-service branch offices located in Wellesley, Massachusetts, a community within the greater Boston metropolitan area, and one full-service branch office located in Boston. The Bank's lending market includes the communities of Wellesley, Dover and Needham in Norfolk County and the communities of Natick, Newton and Weston in Middlesex County. The Company's market area is located largely in the Boston-Cambridge-Quincy, Massachusetts/New Hampshire Metropolitan Statistical Area. The segment of its loan portfolio is mortgage loans to enable borrowers to purchase or refinance existing homes. It also offers fixed- and adjustable-rate mortgage loans secured by commercial real estate, including loans secured by multi-family real estate. It originates construction loans to contractors and builders, and to lesser extent individuals, to finance the construction of residential dwellings. It makes commercial business loans in its market area to a variety of professionals, sole proprietorships and small businesses. It offers home equity lines of credit, which are secured by owner-occupied residences. It occasionally makes fixed-rate second mortgage loans, automobile loans, loans secured by passbook or certificate accounts and overdraft loans.

Ratios

vs
industry
vs
history
PE Ratio 21.30
WEBK's PE Ratio is ranked lower than
77% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. WEBK: 21.30 )
Ranked among companies with meaningful PE Ratio only.
WEBK' s PE Ratio Range Over the Past 10 Years
Min: 15.28  Med: 20.55 Max: 74.76
Current: 21.3
15.28
74.76
PE Ratio without NRI 21.30
WEBK's PE Ratio without NRI is ranked lower than
77% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. WEBK: 21.30 )
Ranked among companies with meaningful PE Ratio without NRI only.
WEBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 15.28  Med: 20.55 Max: 74.76
Current: 21.3
15.28
74.76
Price-to-Owner-Earnings 28.03
WEBK's Price-to-Owner-Earnings is ranked lower than
87% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. WEBK: 28.03 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WEBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.91  Med: 27.55 Max: 40.02
Current: 28.03
11.91
40.02
PB Ratio 1.21
WEBK's PB Ratio is ranked lower than
52% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. WEBK: 1.21 )
Ranked among companies with meaningful PB Ratio only.
WEBK' s PB Ratio Range Over the Past 10 Years
Min: 0.7  Med: 0.94 Max: 1.24
Current: 1.21
0.7
1.24
PS Ratio 2.96
WEBK's PS Ratio is ranked higher than
58% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. WEBK: 2.96 )
Ranked among companies with meaningful PS Ratio only.
WEBK' s PS Ratio Range Over the Past 10 Years
Min: 2.18  Med: 2.77 Max: 6.26
Current: 2.96
2.18
6.26
Price-to-Free-Cash-Flow 14.89
WEBK's Price-to-Free-Cash-Flow is ranked lower than
63% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. WEBK: 14.89 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WEBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.62  Med: 16.56 Max: 171.33
Current: 14.89
3.62
171.33
Price-to-Operating-Cash-Flow 12.36
WEBK's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. WEBK: 12.36 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WEBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.25  Med: 12.81 Max: 36.91
Current: 12.36
3.25
36.91
EV-to-EBIT 31.97
WEBK's EV-to-EBIT is ranked lower than
86% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. WEBK: 31.97 )
Ranked among companies with meaningful EV-to-EBIT only.
WEBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 14.9  Med: 28.2 Max: 34.8
Current: 31.97
14.9
34.8
EV-to-EBITDA 27.72
WEBK's EV-to-EBITDA is ranked lower than
86% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. WEBK: 27.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
WEBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 13.3  Med: 23.9 Max: 29.1
Current: 27.72
13.3
29.1
PEG Ratio 1.28
WEBK's PEG Ratio is ranked higher than
54% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. WEBK: 1.28 )
Ranked among companies with meaningful PEG Ratio only.
WEBK' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.58
Current: 1.28
0
1.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.62
WEBK's Dividend Yield % is ranked lower than
95% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. WEBK: 0.62 )
Ranked among companies with meaningful Dividend Yield % only.
WEBK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.13  Med: 0.57 Max: 0.65
Current: 0.62
0.13
0.65
Dividend Payout Ratio 0.12
WEBK's Dividend Payout Ratio is ranked higher than
90% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. WEBK: 0.12 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WEBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.1 Max: 0.12
Current: 0.12
0.1
0.12
Forward Dividend Yield % 0.75
WEBK's Forward Dividend Yield % is ranked lower than
95% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. WEBK: 0.75 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.64
WEBK's 5-Year Yield-on-Cost % is ranked lower than
98% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. WEBK: 0.64 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WEBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13  Med: 0.57 Max: 0.65
Current: 0.64
0.13
0.65
3-Year Average Share Buyback Ratio -0.10
WEBK's 3-Year Average Share Buyback Ratio is ranked higher than
71% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. WEBK: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WEBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1  Med: -0.1 Max: 0
Current: -0.1
-1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.21
WEBK's Price-to-Tangible-Book is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. WEBK: 1.21 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WEBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.71  Med: 0.92 Max: 1.24
Current: 1.21
0.71
1.24
Price-to-Intrinsic-Value-Projected-FCF 1.00
WEBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. WEBK: 1.00 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WEBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.74  Med: 0.83 Max: 1.06
Current: 1
0.74
1.06
Price-to-Median-PS-Value 1.07
WEBK's Price-to-Median-PS-Value is ranked higher than
58% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. WEBK: 1.07 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WEBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.8  Med: 1 Max: 1.95
Current: 1.07
0.8
1.95
Price-to-Graham-Number 1.07
WEBK's Price-to-Graham-Number is ranked lower than
60% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. WEBK: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WEBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.78  Med: 0.97 Max: 1.65
Current: 1.07
0.78
1.65
Earnings Yield (Greenblatt) % 3.13
WEBK's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. WEBK: 3.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WEBK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.9  Med: 3.5 Max: 6.7
Current: 3.13
2.9
6.7

More Statistics

Revenue (TTM) (Mil) $22.20
EPS (TTM) $ 1.29
Beta0.04
Short Percentage of Float0.11%
52-Week Range $19.60 - 28.25
Shares Outstanding (Mil)2.48
» More Articles for WEBK

Headlines

Articles On GuruFocus.com
Wellesley Bancorp, Inc. Announces Increased Cash Dividend May 25 2017 
Wellesley Bancorp Reports Record Earnings for the Quarter Ended March 31, 2017 Apr 27 2017 

More From Other Websites
Wellesley Bancorp, Inc. :WEBK-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017 Jun 09 2017
Wellesley Bancorp, Inc. : WEBK-US: Dividend Analysis : June 06th, 2017 (record date) : By the... Jun 07 2017
Wellesley Bancorp, Inc. Announces Increased Cash Dividend May 25 2017
Wellesley Bancorp Reports Record Earnings for the Quarter Ended March 31, 2017 Apr 27 2017
Wellesley Bancorp, Inc. Declares Quarterly Dividend Feb 22 2017
Wellesley Bancorp, Inc. Announces Date Of 2017 Annual Meeting Of Shareholders Feb 13 2017
Wellesley Bancorp, Inc. :WEBK-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Wellesley Bancorp, Inc. : WEBK-US: Dividend Analysis : December 07th, 2016 (record date) : By the... Jan 30 2017
Wellesley Bancorp, Inc. Reports Record Earnings for Full-Year 2016 Jan 26 2017
ETFs with exposure to Wellesley Bancorp, Inc. : December 9, 2016 Dec 09 2016
Wellesley Bancorp, Inc. :WEBK-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28, 2016 Oct 28 2016
Wellesley Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2016 Oct 27 2016
Wellesley Bancorp, Inc. Appoints Kathryn M. Hinderhofer As Director Sep 21 2016
Wellesley Bancorp, Inc. :WEBK-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Wellesley Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2016 Jul 29 2016
Wellesley Bancorp, Inc. :WEBK-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016

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