BSB Bancorp

Belmont Savings Bank provides a full range of banking services for individuals and local businesses. Our specialized banking team can help you with anything including personal checking and savings accounts, certificate of deposit accounts, home equity lines of credit, mortgage loans, business banking and commercial real estate lending. The mission of Belmont Savings Bank is to create the most admired community bank to grow in a prudent and profitable way.

Company Growth (employees)
Type
Public
HQ
Belmont, US
Founded
1885
Size (employees)
119 (est)-3%
BSB Bancorp was founded in 1885 and is headquartered in Belmont, US

BSB Bancorp Office Locations

BSB Bancorp has offices in Belmont, Watertown, Waltham, Cambridge and in 1 other location
Belmont, US (HQ)
2 Leonard Street
Newton, US
33 Austin Street
Cambridge, US
699 Mount Auburn Street
Waltham, US
1070 Lexington Street
Watertown, US
53 Mt Auburn St
Belmont, US
277 Trapelo Rd

BSB Bancorp Data and Metrics

BSB Bancorp Financial Metrics

BSB Bancorp's revenue was reported to be $18.1 m in Q1, 2017
USD

Revenue (Q1, 2017)

18.1 m

Gross profit (Q1, 2017)

13.9 m

Gross profit margin (Q1, 2017), %

77%

Net income (Q1, 2017)

3.7 m

EBIT (Q1, 2017)

12.4 m

Market capitalization (18-Aug-2017)

262.3 m

Cash (31-Mar-2017)

60.5 m
BSB Bancorp's current market capitalization is $262.3 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

31 m38.7 m48.4 m64.4 m

Revenue growth, %

25%25%33%

Cost of goods sold

5 m7.1 m10.2 m14.2 m

Gross profit

26 m31.6 m38.2 m50.1 m

Gross profit Margin, %

84%82%79%78%

Operating expense total

25.1 m26.5 m27.8 m28.3 m

EBIT

24.5 m30.1 m35.9 m45 m

EBIT margin, %

79%78%74%70%

Pre tax profit

3 m6.9 m11.2 m19.4 m

Income tax expense

1 m2.6 m4.3 m7.4 m

Net Income

2 m4.3 m6.9 m12 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

10.1 m10.8 m11.8 m12.5 m13.1 m15.1 m15.9 m16.4 m18.1 m

Cost of goods sold

1.7 m1.9 m2.3 m2.5 m2.6 m3.2 m3.5 m3.7 m4.2 m

Gross profit

8.5 m8.9 m9.5 m10 m10.5 m11.9 m12.4 m12.7 m13.9 m

Gross profit Margin, %

84%82%81%80%80%79%78%77%77%

Sales and marketing expense

256 k228 k252 k266 k190 k221 k208 k220 k278 k

R&D expense

727 k751 k755 k772 k789 k882 k879 k679 k694 k

General and administrative expense

424 k403 k438 k404 k400 k355 k349 k362 k389 k

Operating expense total

1.4 m1.4 m1.4 m1.4 m1.4 m1.5 m1.4 m1.3 m1.4 m

EBIT

7.3 m7.8 m8.4 m8.7 m9.1 m10.7 m11 m11.6 m12.4 m

EBIT margin, %

72%72%71%70%69%71%69%71%69%

Pre tax profit

1.7 m2 m2.2 m2.6 m3 m4.1 m4.7 m5.2 m5.6 m

Income tax expense

614 k782 k867 k1 m1.2 m1.6 m1.7 m2 m1.9 m

Net Income

1.7 m2.9 m1.4 m3 m4.8 m2.5 m5.5 m8.7 m3.7 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

38 m51.8 m51.3 m58.9 m

Accounts Receivable

2.2 m3 m3.8 m4.6 m

PP&E

3.3 m3.1 m2.7 m2.4 m

Total Assets

1.1 b1.4 b1.8 b2.2 b

Accounts Payable

683 k961 k993 k1.5 b

Total Debt

508.9 m

Total Liabilities

2 b

Common Stock

91 k

Additional Paid-in Capital

85.4 m87.4 m89.6 m

Retained Earnings

49.3 m53.6 m60.5 m72.5 m

Total Equity

130.4 m137 m146.2 m160.9 m

Debt to Equity Ratio

3.2 x

Debt to Assets Ratio

0.2 x

Financial Leverage

8.1 x10.4 x12.4 x13.4 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

48.9 m45.5 m41.1 m47.5 m42.6 m56.1 m53.8 m49.8 m60.5 m

PP&E

3.2 m3.2 m2.9 m2.9 m2.7 m2.6 m2.6 m2.4 m2.3 m

Total Assets

1.2 b1.3 b1.5 b1.6 b1.7 b1.9 b2 b2.1 b2.3 b

Accounts Payable

891.9 m932.6 m1 b1.1 b1.2 b1.4 b1.4 b1.4 b1.6 b

Additional Paid-in Capital

86.4 m86.9 m87.9 m88.5 m89 m90.1 m90.7 m91.2 m92.3 m

Retained Earnings

51 m52.2 m55 m56.6 m58.4 m63.1 m66 m69.2 m76.2 m

Total Equity

133.4 m135.1 m138.9 m141.2 m143.6 m149.3 m153 m156.8 m165 m

Financial Leverage

9.2 x9.9 x10.6 x11 x11.8 x12.8 x12.9 x13.2 x13.9 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

2 m4.3 m6.9 m12 m

Depreciation and Amortization

1.3 m1.4 m1.5 m1.5 m

Accounts Receivable

(24 k)(736 k)(804 k)(854 k)

Accounts Payable

228 k278 k32 k30 k

Cash From Operating Activities

17.2 m20.9 m18.1 m12.8 m

Purchases of PP&E

(129.3 m)(169.5 m)(288.9 m)(350.7 m)

Capital Expenditures

(1.2 m)(503 k)(323 k)(335 k)

Cash From Investing Activities

(240.2 m)(369.9 m)(395.8 m)(339.6 m)

Long-term Borrowings

(23 m)(9 m)(14.1 m)(7 m)

Cash From Financing Activities

208.3 m362.7 m377.2 m334.5 m

Interest Paid

4.8 m6.8 m10.2 m14.2 m

Income Taxes Paid

988 k3.6 m4.6 m9.4 m

Free Cash Flow

18.4 m21.5 m18.4 m12.4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

1.7 m2.9 m1.4 m3 m4.8 m2.5 m5.5 m8.7 m3.7 m

Depreciation and Amortization

663 k1 m345 k717 k1.1 m328 k689 k1.1 m359 k

Accounts Receivable

(328 k)(574 k)(88 k)(266 k)(631 k)(407 k)(570 k)(481 k)(222 k)

Accounts Payable

77 k239 k117 k30 k64 k54 k23 k20 k90 k

Cash From Operating Activities

8.1 m12 m789 k13.9 m16.3 m3.1 m5.7 m8.3 m7.6 m

Purchases of PP&E

(64.4 m)(123.8 m)(36 m)(96.4 m)(212.1 m)(98.2 m)(149.5 m)(278.6 m)(102.1 m)

Capital Expenditures

(306 k)(410 k)(51 k)(205 k)(218 k)(128 k)(212 k)(257 k)(156 k)

Cash From Investing Activities

(162.4 m)(281.3 m)(53.8 m)(140.5 m)(285.8 m)(101.2 m)(165.8 m)(262.6 m)(126.6 m)

Long-term Borrowings

(1 m)

Cash From Financing Activities

165.2 m276.7 m42.4 m122.3 m260.3 m103 m162.8 m252.9 m120.5 m

Interest Paid

3 m4.7 m2.2 m4.7 m7.3 m3.1 m6.6 m10.3 m4.2 m

Income Taxes Paid

1.9 m2.5 m761 k2.5 m3.4 m643 k4.8 m7.7 m2.3 m

Free Cash Flow

7.8 m11.6 m738 k13.7 m16.1 m2.9 m5.5 m8 m7.5 m
USDY, 2017

Revenue/Employee

147.4 k

Financial Leverage

13.9 x

BSB Bancorp Market Value History

Traffic Overview of BSB Bancorp

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BSB Bancorp Company Life and Culture

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