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Meridian Bancorp, Inc. (EBSB)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 95 | 110 | 130 | 110 | 93 | 146 | 176 |
| Operating profit | $m | 146 | 138 | |||||
| Net profit | $m | 25 | 34 | 43 | 56 | 67 | 65 | 77 |
| EPS reported | $ | 1.29 | 1.52 | |||||
| Operating cashflow per share | $ | 1.31 | 1.31 | |||||
| Capex per share | $ | 0.13 | 0.13 | |||||
| FCF per share | $ | 1.18 | 1.18 | |||||
| Free cash flow | $m | 59 | 99 | |||||
| Net debt | $m | -315 | -501 | |||||
| Book value equity | $m | 769 | 814 | |||||
| Book value per share | $ | 15.25 | 16.00 | |||||
| Number of shares | m | 50.42 | 50.87 | |||||
| DPS (TTM paid) | $ | 0.32 | 0.38 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 11.56 | - | |||||
| P/B LTM | x | 0.98 | 1.51 | |||||
| P/S LTM | x | 5.13 | 6.97 | |||||
| P/FCF LTM | x | 12.65 | 12.41 | |||||
| EV/EBITDA LTM | x | 2.98 | 5.12 | |||||
| EV/Sales LTM | x | 2.18 | 4.13 | |||||
| Earnings Yield LTM | % | 8.65% | 5.34% | |||||
| FCF Yield | % | 7.91% | 8.06% | |||||
| Quality | ||||||||
| ROE | % | 8.46% | 8.70% | |||||
| ROIC | % | 1.65% | 1.65% | |||||
| Operating margin | % | 71.12% | 71.12% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 28.88% | 28.88% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -0.77% | +21.60% | |||||
| Sales Growth YoY | % | +57.30% | +41.88% | |||||
| Net Income Growth YoY | % | -2.90% | +20.82% | |||||
| FCF Growth | % | -0.96% | +141.59% | |||||
| Operating Profit Growth | % | -19.55% | -11.98% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.17% | 1.57% | |||||
| Dividend Growth | % | +10.34% | - | |||||
| Payout Ratio | % | 25.04% | 23.47% | |||||
| FCF/Debt | x | 0.10 | 0.18 | |||||
| Net Debt/EBITDA | x | -2.02 | -2.02 | |||||
| EBIT/Net interest | x | 2.47 | 2.47 | |||||
| Net debt/market cap | % | -41.94% | -40.79% | |||||
| Net debt/Equity | x | -0.41 | -0.62 | |||||
| Gross debt/equity | x | 0.79 | 0.69 | |||||
Company overview
Meridian Bancorp, Inc. functions as the parent entity for East Boston Savings Bank, delivering a comprehensive array of financial products and services to both individual consumers and businesses. Its primary service region encompasses Suffolk, Norfolk, Middlesex, and Essex Counties in Massachusetts. The institution provides diverse deposit accounts, including non-interest-bearing checking, interest-bearing demand accounts such as NOW and money market accounts, savings accounts, certificates of deposit, and specialized commercial checking options. Its lending operations cover a wide spectrum, featuring commercial real estate loans secured by properties like office buildings, industrial facilities, and retail spaces. It also offers residential mortgages for single to four-family homes, aiding in property acquisition or refinancing, along with loans for multi-family properties, construction projects, and commercial and industrial enterprises. Further loan products include home equity lines of credit and various consumer loans, such as vehicle financing, loans backed by savings or certificates, credit-building solutions, and annuity or overdraft loans. Beyond traditional banking, Meridian Bancorp, Inc. facilitates access to non-deposit investment products like mutual funds, annuities, equities, and bonds through a third-party broker-dealer, and also offers long-term care insurance. The company is additionally involved in securities trading. It operates a network comprising 42 full-service branches, one mobile branch, and three dedicated loan centers. Founded in 1848, Meridian Bancorp, Inc. is headquartered in Peabody, Massachusetts.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Meridian Bancorp, Inc. (EBSB)
Meridian Bancorp, Inc. functions as the parent entity for East Boston Savings Bank, delivering a comprehensive array of financial products and services to both individual consumers and businesses. Its primary service region encompasses Suffolk, Norfolk, Middlesex, and Essex Counties in Massachusetts. The institution provides diverse deposit accounts, including non-interest-bearing checking, interest-bearing demand accounts such as NOW and money market accounts, savings accounts, certificates of deposit, and specialized commercial checking options. Its lending operations cover a wide spectrum, featuring commercial real estate loans secured by properties like office buildings, industrial facilities, and retail spaces. It also offers residential mortgages for single to four-family homes, aiding in property acquisition or refinancing, along with loans for multi-family properties, construction projects, and commercial and industrial enterprises. Further loan products include home equity lines of credit and various consumer loans, such as vehicle financing, loans backed by savings or certificates, credit-building solutions, and annuity or overdraft loans. Beyond traditional banking, Meridian Bancorp, Inc. facilitates access to non-deposit investment products like mutual funds, annuities, equities, and bonds through a third-party broker-dealer, and also offers long-term care insurance. The company is additionally involved in securities trading. It operates a network comprising 42 full-service branches, one mobile branch, and three dedicated loan centers. Founded in 1848, Meridian Bancorp, Inc. is headquartered in Peabody, Massachusetts.
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