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Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

BSB Bancorp, Inc. was acquired by People's United Financial, Inc. BSB Bancorp, Inc. operates as the holding company for Belmont Savings Bank that provides commercial and retail banking services to small businesses, municipalities, nonprofit organizations, and other customers in the United States. Its deposit products include relationship checking accounts for consumers and businesses, passbook and statement savings accounts, certificates of deposit, money market accounts, interest on lawyer trust accounts, and individual retirement accounts, as well as 0063ommercial, municipal, and regular checking accounts. The company's loan portfolio comprises one to four family residential mortgage loans, commercial real estate loans, multi-family real estate loans, home equity lines of credit, indirect automobile loans, commercial business loans, construction loans and investment securities, other consumer loans, and second mortgage loans. It also offers lockbox, online and mobile banking, global payments, and cash management services. The company operates through six full-service branch offices located in Belmont, Watertown, Waltham, Newton, and Cambridge in Southeast Middlesex County, Massachusetts. The company was founded in 1885 and is headquartered in Belmont, Massachusetts.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Sep '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 4.52
4.78
5.12
5.16
13.98
14.26
14.90
15.80
17.21
18.08
20.25
growth rate 5.8% 7.1% 0.8% 170.9% 2.0% 4.5% 6.0% 8.9% 5.1% 12.0%
Earnings BIT -1.14
6.18
2.05
0.59
2.11
3.00
8.10
13.66
24.20
34.42
growth rate 100.0% -66.8% -71.0% 255.2% 42.2% 169.8% 68.8% 77.2% 42.2%
Avg.PE 322.58
76.34
68.49
39.08
28.60
21.05
19.52
13.90
growth rate -76.3% -10.3% -42.9% -26.8% -26.4% -7.3% -28.8%
ROA -0.10
0.68
0.36
0.05
0.19
0.20
0.33
0.42
0.59
0.59
0.80
growth rate 100.0% -47.1% -86.1% 280.0% 5.3% 65.0% 27.3% 40.5% 0.0% 35.6%
ROE -1.10
7.83
4.03
0.34
1.05
1.43
3.11
4.76
7.68
8.42
12.06
growth rate 100.0% -48.5% -91.6% 208.8% 36.2% 117.5% 53.1% 61.3% 9.6% 43.2%
ROIC 5.86
5.48
2.16
1.82
2.52
2.46
growth rate -6.5% -60.6% -15.7% 38.5% -2.4%
Leverage 11.52
10.66
5.09
6.29
8.09
10.40
12.40
13.41
15.03
15.02
growth rate -7.5% -52.3% 23.6% 28.6% 28.6% 19.2% 8.2% 12.1% -0.1%
Balance Sheet Sep '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 2.19
3.02
2.24
0.32
3.78
0.42
0.05
0.05
growth rate 38.4% -25.9% -85.7% 1,077.9% -88.8% -87.5% -7.6%
Acct.Payable 0.30
0.46
0.86
984.56
1,269.52
1,469.42
1,751.25
1,960.91
growth rate 52.7% 89.2% 114,251.0% 28.9% 15.8% 19.2% 12.0%
Cur.Assets 55.24
56.43
64.17
119.73
157.85
growth rate 2.1% 13.7% 86.6% 31.8%
Total Assets 504.90
500.30
669.01
838.08
1,054.62
1,425.55
1,812.92
2,158.70
2,676.57
3,030.10
growth rate -0.9% 33.7% 25.3% 25.8% 35.2% 27.2% 19.1% 24.0% 13.2%
Cash 6.70
10.80
120.34
147.06
187.57
36.50
31.66
35.43
85.67
143.38
growth rate 61.2% 1,014.3% 22.2% 27.5% -80.5% -13.3% 11.9% 141.8% 67.4%
Inventory 0.05
0.01
0.00
growth rate -83.3% -62.5%
Cur.Liabilities 1,168.92
1,475.39
1,639.03
2,109.01
1,965.85
growth rate 26.2% 11.1% 28.7% -6.8%
Liabilities 461.10
453.40
537.50
704.77
924.20
1,288.54
1,666.71
1,997.78
2,498.54
2,828.31
growth rate -1.7% 18.6% 31.1% 31.1% 39.4% 29.4% 19.9% 25.1% 13.2%
LT Debt 0.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
104.17
174.02
342.25
370.25
838.25
growth rate 0.1% 0.1% 0.1% 0.1% -94.8% 67.1% 96.7% 8.2% 126.4%
Equity 41.49
43.80
46.90
131.51
133.31
130.42
137.01
146.20
160.92
178.03
201.79
growth rate 5.6% 7.1% 180.4% 1.4% -2.2% 5.1% 6.7% 10.1% 10.6% 13.4%
Common Shares 9.17
9.00
9.00
9.00
9.00
8.00
8.00
0.09
0.09
0.10
0.10
growth rate -1.9% 0.0% 0.0% 0.0% -11.1% 0.0% -98.9% 0.0% 6.6% 1.0%
Cash Flow Statement Sep '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.23
0.10
0.70
0.51
1.42
1.18
0.50
0.32
0.34
0.51
growth rate -56.5% 600.0% -27.4% 179.3% -16.7% -57.5% -35.8% 3.7% 52.8%
Cash Dividends 0.00 0.00 0.00 0.00 0.00
growth rate
Cash From OA 1.22
1.10
-4.30
-10.16
39.38
17.25
20.95
18.09
12.77
85.77
growth rate -9.8% -100.0% 0.0% 100.0% -56.2% 21.4% -13.7% -29.4% 571.5%
FCF per Share -0.11
4.35
0.96
1.68
2.89
1.10
7.27
8.10
growth rate 100.0% -77.9% 75.0% 72.0% -61.9% 560.9% 11.4%
Sale Purchase of Stock 83.72
-6.48
0.05
0.23
0.30
0.06
growth rate -100.0% 100.0% 406.7% 30.7% -81.2%
FCF 0.99
1.00
-5.00
-11.00
38.00
16.00
20.00
18.00
12.00
85.00
59.00
growth rate 1.0% -100.0% 0.0% 100.0% -57.9% 25.0% -10.0% -33.3% 608.3% -30.6%
Income Statement Sep '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 8.53
17.00
15.40
26.73
31.53
34.58
33.34
39.06
47.76
56.95
64.46
growth rate 99.3% -9.4% 73.6% 18.0% 9.7% -3.6% 17.2% 22.3% 19.3% 13.2%
Op.Income 6.20
2.00
0.30
1.40
1.96
7.61
12.21
20.71
28.02
35.11
growth rate -67.7% -85.1% 368.6% 39.9% 288.0% 60.6% 69.6% 35.3% 25.3%
IBT 6.18
2.05
0.59
2.11
3.00
6.85
11.24
19.41
26.27
31.44
growth rate -66.8% -71.0% 255.9% 42.0% 128.3% 64.0% 72.7% 35.4% 19.7%
Net Income 3.40
1.80
0.30
1.40
1.96
4.29
6.91
11.98
14.39
22.91
growth rate -47.1% -83.4% 368.6% 39.9% 118.9% 61.1% 73.3% 20.1% 59.3%
EPS -0.05
0.00
0.00
0.03
0.16
0.22
0.49
0.78
1.33
1.55
2.44
growth rate 0.0% 433.3% 37.5% 122.7% 59.2% 70.5% 16.5% 57.4%
Gross Profit 33.34
39.06
47.76
56.95
64.46
growth rate 17.2% 22.3% 19.3% 13.2%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 10.00
10.93
growth rate 9.4%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 0.05
6.09
0.48
0.28
0.05
growth rate 11,383.0% -92.2% -42.0% -82.3%
Acct.Payable 1,751.25
1,873.02
1,833.86
1,948.33
1,960.91
growth rate 7.0% -2.1% 6.2% 0.7%
Cur.Assets 119.73
117.01
118.58
157.42
157.85
growth rate -2.3% 1.4% 32.8% 0.3%
Total Assets 2,676.57
2,747.60
2,909.11
2,971.81
3,030.10
growth rate 2.7% 5.9% 2.2% 2.0%
Cash 85.67
107.08
103.70
133.62
143.38
growth rate 25.0% -3.2% 28.9% 7.3%
Inventory 0.04
0.02
0.01
growth rate -60.5% -26.7%
Cur.Liabilities 2,109.01
2,198.78
2,207.87
2,254.50
1,965.85
growth rate 4.3% 0.4% 2.1% -12.8%
Liabilities 2,498.54
2,563.04
2,717.90
2,773.86
2,828.31
growth rate 2.6% 6.0% 2.1% 2.0%
LT Debt 370.25
342.75
487.25
492.25
838.25
growth rate -7.4% 42.2% 1.0% 70.3%
Equity 178.03
184.57
191.21
197.95
201.79
growth rate 3.7% 3.6% 3.5% 1.9%
Common Shares 0.10
0.10
0.10
0.10
0.10
growth rate 0.0% 0.0% 1.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 0.08
0.22
0.17
0.12
growth rate 156.0% -22.8% -27.1%
Cash Dividends
growth rate
Cash From OA 23.19
28.41
0.87
23.53
growth rate 22.5% -97.0% 2,617.0%
Sale Purchase of Stock 0.45
0.52
0.04
growth rate 15.4% -92.3%
FCF 23.11
28.20
0.70
23.41
growth rate 22.0% -97.5% 3,244.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 15.13
15.76
16.09
16.35
16.26
growth rate 4.2% 2.1% 1.7% -0.6%
Op.Income 7.99
8.56
8.79
9.06
8.71
growth rate 7.2% 2.6% 3.1% -3.9%
IBT 7.49
8.07
8.29
8.53
6.55
growth rate 7.8% 2.7% 2.9% -23.2%
Net Income 2.11
6.01
6.07
6.23
4.60
growth rate 185.1% 1.0% 2.6% -26.1%
EPS
growth rate
Gross Profit 15.13
15.76
16.09
16.35
16.26
growth rate 4.2% 2.1% 1.7% -0.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (82.05)

YOY Growth Grade:

D (42.27)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.46 13.46
EPS / Growth 0.0% 2.44

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 6.3% 6.3%
Future PE 0.00 8.66 8.66
Future EPS 2.44 4.48 4.48
Value Price
MOS %
0.00
9.59
9.59
MOS Price 0.00 4.79 4.79
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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