| Company Name: | Westfield Financial, Incorprated | | Ticker Symbol: | WFD | | | WWW Address: | www.westfieldbank.com | | CEO: | Donald A. Williams | | No. of Employees: | 127 | | Common Issue Type: | CS | | Business Description: | The Company is a Massachusetts-chartered stock holding Company organized in November 2001 in connection with the reorganization of Westfield Mutual Holding Company.
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| | | Industry Information: | BANKING - Savings & Loans [more like this]Company Name: | Westfield Financial, Incorporated | | Ticker Symbol: | WFD | | | WWW Address: | www.westfieldbank.com | | CEO: | James C. Hagan | | No. of Employees: | 140 | | Common Issue Type: | CS | | Business Description: | A savings and loan holding company, which provides financial service needs of the local community and also provides quality service to the individuals and businesses in the market areas it serves.
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| | | Industry Information: | BANKING - Regional - Northeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 8.38 |  -0.01 | 8.34 | 8.39 | 8.42 | 35.44 | 34.25 | 917 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 334.8 | 9.7 | 0.43 | 0.64 | 0.90 | 63.7 | 1.7 | 35.44 - 23.01 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 8.39 | $ | | PE Ratio - LTM | 55.9 | |
| Market Capitalisation | 255.9 | mil |
| Latest Shares Outstanding | 30.5 | mil |
| Earnings pS (EPS) | 0.23 | $ |
| Dividend pS (DPS) | 0.60 | ¢ |
| Dividend Yield | 2.4 | % |
| Dividend Payout Ratio | 261 | % |
| Revenue per Employee | 411,257 | $ |
| Effective Tax Rate | 21.2 | % |
| Float | 29.6 | mil |
| Float as % of Shares Outstanding | 95.8 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 44.1 | % |
| Pre-Tax Profit Margin | 8.1 | % |
| Assets Turnover | 0.0 | % |
| Return on Assets (ROA) | 0.3 | % |
| Return on Equity (ROE) | 1.6 | % |
| Return on Capital Invested (ROCI) | 0.9 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 4.9 | |
| Interest Cover | 1.2 | |
| Total Debt/Equity (Gearing Ratio) | 1.07 | |
| LT Debt/Total Capital | 46.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 8.43 | $ |
| Tangible Book-Value pS | 8.43 | $ |
| Cash Flow pS | 0.14 | $ |
| Free Cash Flow pS | -0.25 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.99 | |
| Price/Tangible Book Ratio | 0.99 | |
| Price/Cash Flow | 61.2 | |
| Price/Free Cash Flow | -33.8 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/28/2009 |
| Dividend Ex-Date | 11/05/2009 |
| Dividend Record Date | 11/09/2009 |
| Dividend Pay Date | 11/24/2009 |
| Dividend Amount | 150 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.20 |
| Current Dividend Yield | 2.4 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 261.0 |
| 5-Y Average Payout Ratio | 0.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.6 | 99 | 649 | 976 |
| 4 Weeks | 8.47 | 7.90 | 8.05 | 4.2 | 98 | 1,017 | 17,295 |
| 13 Weeks | 9.28 | 7.90 | 9.22 | -9.0 | 85 | 885 | 54,010 |
| 26 Weeks | 10.10 | 7.90 | 9.20 | -8.8 | 76 | 784 | 97,969 |
| 52 Weeks | 10.50 | 7.90 | 10.32 | -18.7 | 66 | 884 | 220,236 |
| YTD | 10.46 | 7.90 | - | -18.7 | 66 | 851 | 193,257 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 8.32 | 8.27 | 8.33 | 8.89 | 8.98 | 0.22 | 0.15 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 0.00 | 0.0 | 7.64 |
| Income | 0.00 | 0.0 | -31.08 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | -6.69 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | -35.73 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -6.2 | -10.6 | -1.0 |
| Earnings % | -41.6 | -39.3 | -23.1 |
| EPS % | -40.0 | -42.9 | -20.7 |
| EPS $ | -0.08 | -0.03 | -0.06 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -13.66 |
| Free Cash Flow Margin 5YEAR AVG | 3.56 |
| Cash-Flow pS | 0.38 |
| Free Cash-Flow pS | -0.24 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 4.27 |
| Debt Ratio | 76.56 |
| Total Debt/Equity (Gearing Ratio) | 0.86 |
| LT Debt/Equity | 0.67 |
| LT Debt/Capital Invested | 40.00 |
| LT Debt/Total Liabilities | 20.41 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 12.06 |
| Tobin's Q Ratio | 0.24 |
| Current P/E Ratio - LTM | 55.90 |
| Enterprise Value (EV)/EBITDA | 0.12 |
| Enterprise Value (EV)/Free Cash Flow | 5.05 |
| Dividend Yield | 2.4 |
| Price/Tangible Book Ratio - LTM | 0.99 |
| Price/Book Ratio - LTM | 0.99 |
| Price/Cash Flow Ratio | 61.2 |
| Price/Free Cash Flow Ratio - LTM | -33.8 |
| P/E Ratio (1 month ago) - LTM | 54.3 |
| P/E Ratio (26 weeks ago) - LTM | 43.8 |
| P/E Ratio (52 weeks ago) - LTM | 35.6 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 68.7 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 8.43 |
| Book Value pS - LTM | 8.43 |
| Capital Invested pS | 14.21 |
| Cash Flow pS - LTM | 0.14 |
| Free Cash Flow pS - LTM | -0.25 |
| Earnings pS (EPS) | 0.23 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 2.57 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.0 |
| Return on Capital Invested (ROCI) | 1.54 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 0.0 |
| Return on Assets (ROA) | 0.60 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.0 |
| EBIT Margin - LTM | 45.5 |
| EBITDA Margin - LTM | 44.1 |
| Pre-Tax Profit Margin | 26.73 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 31.86 |
| Net Profit Margin | 21.07 |
| Net Profit Margin - 5YEAR AVRG. | 22.65 |
| Effective Tax Rate | 21.15 |
| Effective Tax Rate - 5YEAR AVRG. | 28.71 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 391,707 |
| Net Income per Employee - LTM | 29,879 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,668.40 |
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