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Market Price

11.29 

0.23 2.1%

as of Dec 17 '18

52 Week Range:

10.96 17.85


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

Boston Private Financial Holdings, Inc. operates as the bank holding company for Boston Private Bank & Trust Company that provides a range of banking services in the United States. The company operates through four segments: Private Banking, Wealth Management and Trust, Investment Management, and Wealth Advisory. The Private Banking segment offers private banking services to high net worth individuals, privately-owned businesses and partnerships, and nonprofit organizations; and financing services for affordable housing, first-time homebuyers, economic development, social services, community revitalization, and small businesses. It provides various deposit products. This segment also offers loans to individuals, such as residential mortgage loans, mortgage loans on investment or vacation properties, unsecured and secured personal lines of credits, home equity loans, and overdraft protection; and loans to businesses consisting of commercial and mortgage loans, revolving lines of credit, working capital loans, equipment financing, community lending programs, and construction and land loans. The Wealth Management and Trust segment provides wealth management solutions, including customized investment, wealth planning, trust, and family office services to high net worth individuals and families. The Investment Management segment offers services for pension funds, endowments, trusts, foundations and select institutions, mutual funds, and high net worth individuals and their families. The Wealth Advisory segment provides financial, estate and insurance, charitable, and intergenerational gifting and succession planning, as well as tax planning and preparation services. As of January 2, 2018, the company had offices in Boston, New York, Los Angeles, San Francisco, San Jose, Florida, and Wisconsin. Boston Private Financial Holdings, Inc. was incorporated in 1987 and is headquartered in Boston, 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 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 17.68
10.81
6.51
6.04
6.33
6.92
7.20
7.57
8.27
8.72
9.06
growth rate -38.9% -39.8% -7.2% 4.8% 9.3% 4.1% 5.1% 9.3% 5.4% 3.9%
Earnings BIT 22.46
-453.49
18.02
-31.54
50.62
69.09
99.00
112.81
105.21
111.84
99.51
growth rate -100.0% 100.0% -100.0% 100.0% 36.5% 43.3% 14.0% -6.7% 6.3% -11.0%
Avg.PE 250.00
-2.10
-11.90
-19.70
20.37
17.33
21.37
15.68
15.18
21.30
34.76
growth rate -100.0% 0.0% 0.0% 100.0% -14.9% 23.3% -26.6% -3.2% 40.3% 63.2%
ROA 0.07
-5.52
-0.53
-0.34
0.63
0.75
0.84
0.97
0.86
0.87
0.44
growth rate -100.0% 0.0% 0.0% 100.0% 19.1% 12.0% 15.5% -11.3% 1.2% -49.4%
ROE 0.64
-57.54
-6.16
-4.57
7.91
8.96
9.53
10.35
9.14
9.57
4.93
growth rate -100.0% 0.0% 0.0% 100.0% 13.3% 6.4% 8.6% -11.7% 4.7% -48.5%
ROIC 7.00
-12.39
3.59
2.00
6.12
6.53
6.82
7.54
growth rate -100.0% 100.0% -44.3% 206.0% 6.7% 4.4% 10.6%
Leverage 10.29
10.55
13.53
13.35
11.91
11.86
10.99
10.37
10.85
11.12
11.34
growth rate 2.5% 28.3% -1.3% -10.8% -0.4% -7.3% -5.6% 4.6% 2.5% 2.0%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 25.02
23.56
26.54
12.52
11.26
13.40
11.15
growth rate -5.9% 12.6% -52.8% -10.1% 19.0% -16.8%
Acct.Payable 5,453.88
6,040.44
6,085.15
6,510.25
growth rate 10.8% 0.7% 7.0%
Cur.Assets 214.58
284.71
162.64
158.71
growth rate 32.7% -42.9% -2.4%
Total Assets 7,282.80
6,049.30
6,152.90
6,049.37
6,465.01
6,437.11
6,797.87
7,542.51
7,970.47
8,311.74
growth rate -16.9% 1.7% -1.7% 6.9% -0.4% 5.6% 11.0% 5.7% 4.3%
Cash 216.90
446.90
494.40
1,091.56
1,050.03
1,034.24
164.51
234.09
101.56
120.54
growth rate 106.0% 10.6% 120.8% -3.8% -1.5% -84.1% 42.3% -56.6% 18.7%
Inventory 0.93
0.78
1.69
growth rate -16.5% 117.8%
Cur.Liabilities 5,493.16
6,108.65
6,732.65
6,572.42
growth rate 11.2% 10.2% -2.4%
Liabilities 6,637.70
5,398.10
5,634.00
5,461.56
5,842.62
5,784.12
6,073.06
6,777.81
7,185.02
7,508.34
growth rate -18.7% 4.4% -3.1% 7.0% -1.0% 5.0% 11.6% 6.0% 4.5%
LT Debt 525.65
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
476.51
567.69
350.30
800.04
growth rate 282.0% 0.1% 0.1% 0.1% 0.1% 0.1% -76.3% 19.1% -38.3% 128.4%
Equity 662.46
645.20
651.20
518.90
566.13
603.10
633.52
655.77
695.47
716.57
733.01
growth rate -2.6% 0.9% -20.3% 9.1% 6.5% 5.0% 3.5% 6.1% 3.0% 2.3%
Common Shares 38.00
48.00
67.00
71.00
75.00
77.00
79.00
81.00
83.00
83.00
85.00
growth rate 26.3% 39.6% 6.0% 5.6% 2.7% 2.6% 2.5% 2.5% 0.0% 2.4%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 9.05
5.10
5.60
0.00
8.88
6.53
8.31
9.71
5.42
107.53
14.20
growth rate -43.7% 9.8% -100.0% -26.4% 27.2% 16.8% -44.2% 1,884.3% -86.8%
Cash Dividends 13.36
9.70
10.60
8.20
5.53
7.27
25.21
29.30
33.08
36.59
44.89
growth rate -27.4% 9.3% -22.6% -32.6% 31.4% 246.9% 16.3% 12.9% 10.6% 22.7%
Cash From OA 109.08
-79.74
245.30
82.00
86.35
51.81
114.18
107.06
93.89
106.15
101.99
growth rate -100.0% 100.0% -66.6% 5.3% -40.0% 120.4% -6.2% -12.3% 13.1% -3.9%
FCF per Share 2.06
1.19
3.59
1.00
1.17
0.59
1.09
1.25
0.95
1.08
1.09
growth rate -42.2% 201.7% -72.1% 17.0% -49.6% 84.8% 14.7% -24.0% 13.7% 0.9%
Sale Purchase of Stock 1.45
-13.05
-18.51
1.81
1.21
2.57
4.06
growth rate -100.0% 0.0% 100.0% -33.3% 112.9% 58.0%
FCF 79.00
57.00
240.00
71.00
77.00
45.00
106.00
97.00
88.00
97.00
88.00
growth rate -27.9% 321.1% -70.4% 8.5% -41.6% 135.6% -8.5% -9.3% 10.2% -9.3%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 243.20
279.70
285.90
286.40
348.65
338.40
339.52
326.90
346.49
363.30
386.32
growth rate 15.0% 2.2% 0.2% 21.7% -2.9% 0.3% -3.7% 6.0% 4.9% 6.3%
Op.Income -264.00
18.00
-31.60
36.10
48.76
66.69
109.66
105.88
120.11
119.86
growth rate 100.0% -100.0% 100.0% 35.1% 36.8% 64.4% -3.5% 13.5% -0.2%
IBT -263.95
18.02
-31.62
50.38
69.69
99.65
99.77
93.31
101.21
86.39
growth rate 100.0% -100.0% 100.0% 38.3% 43.0% 0.1% -6.5% 8.5% -14.7%
Net Income -388.80
5.20
-11.00
36.10
48.76
66.69
68.82
64.93
71.63
40.59
growth rate 100.0% -100.0% 100.0% 35.1% 36.8% 3.2% -5.7% 10.3% -43.3%
EPS 0.11
-8.87
-0.52
-0.29
0.46
0.61
0.68
0.80
0.74
0.81
0.42
growth rate -100.0% 0.0% 0.0% 100.0% 32.6% 11.5% 17.7% -7.5% 9.5% -48.2%
Gross Profit 326.90
346.49
363.30
386.32
growth rate 6.0% 4.9% 6.3%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 36.67
31.51
6.94
32.51
growth rate -14.1% -78.0% 368.6%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 12.64
12.56
11.15
10.64
10.41
growth rate -0.6% -11.2% -4.6% -2.2%
Acct.Payable 6,381.34
6,262.35
6,510.25
6,584.32
6,620.18
growth rate -1.9% 4.0% 1.1% 0.5%
Cur.Assets 149.34
162.13
158.71
138.35
431.49
growth rate 8.6% -2.1% -12.8% 211.9%
Total Assets 8,107.65
8,269.40
8,311.74
8,318.36
8,716.20
growth rate 2.0% 0.5% 0.1% 4.8%
Cash 97.03
110.44
120.54
77.09
364.54
growth rate 13.8% 9.2% -36.1% 372.9%
Inventory 0.11
growth rate
Cur.Liabilities 6,467.74
6,408.28
6,572.42
6,692.82
6,706.41
growth rate -0.9% 2.6% 1.8% 0.2%
Liabilities 7,291.01
7,438.46
7,508.34
7,512.53
7,971.48
growth rate 2.0% 0.9% 0.1% 6.1%
LT Debt 725.35
919.14
800.04
717.95
1,163.30
growth rate 26.7% -13.0% -10.3% 62.0%
Equity 747.29
762.52
733.01
736.93
731.98
growth rate 2.0% -3.9% 0.5% -0.7%
Common Shares 84.02
84.08
84.21
84.19
84.48
growth rate 0.1% 0.2% 0.0% 0.3%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 3.15
4.47
8.40
8.40
6.06
growth rate 42.2% 87.8% 0.0% -27.9%
Cash Dividends 10.11
10.16
11.03
11.03
11.04
growth rate 0.5% 8.6% 0.0% 0.1%
Cash From OA 28.08
27.69
16.81
16.81
16.56
growth rate -1.4% -39.3% 0.0% -1.5%
Sale Purchase of Stock 0.66
0.66
0.86
0.86
0.41
growth rate 0.0% 31.5% 0.0% -52.1%
FCF 24.93
23.22
8.41
8.41
10.50
growth rate -6.9% -63.8% 0.0% 24.9%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 101.28
97.33
97.39
98.92
89.19
growth rate -3.9% 0.1% 1.6% -9.8%
Op.Income 35.76
30.05
30.30
29.56
26.26
growth rate -16.0% 0.8% -2.5% -11.2%
IBT 33.46
27.98
3.40
28.06
24.80
growth rate -16.4% -87.9% 725.4% -11.6%
Net Income 23.41
19.80
-18.28
22.69
6.43
growth rate -15.4% -100.0% 100.0% -71.6%
EPS
growth rate
Gross Profit 101.28
97.33
97.39
98.92
89.19
growth rate -3.9% 0.1% 1.6% -9.8%

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:

F (13.61)

YOY Growth Grade:

F (16.05)

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 50.65 40.76 14.32
EPS / Growth 4.9% 0.28 10.2%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 3.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.0% 3.9% 3.9%
Future PE 5.96 11.08 11.08
Future EPS 0.37 0.41 0.41
Value Price
MOS %
0.55
-95.2%
1.11
-90.1%
1.11
-90.1%
MOS Price 0.27 0.56 0.56
IRT 26.53 24.21 24.21

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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