Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 1.20
BCSB's Cash to Debt is ranked higher than
75% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. BCSB: 1.20 )
BCSB' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.2

Equity to Asset 0.08
BCSB's Equity to Asset is ranked higher than
61% of the 1732 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. BCSB: 0.08 )
BCSB' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.16
Current: 0.08

0.04
0.16
Interest Coverage 0.59
BCSB's Interest Coverage is ranked higher than
56% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. BCSB: 0.59 )
BCSB' s 10-Year Interest Coverage Range
Min: 0.01   Max: 0.59
Current: 0.59

0.01
0.59
F-Score: 4
Z-Score: 0.20
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 12.00
BCSB's Operating margin (%) is ranked higher than
55% of the 1755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.45 vs. BCSB: 12.00 )
BCSB' s 10-Year Operating margin (%) Range
Min: -74.22   Max: 22.77
Current: 12

-74.22
22.77
Net-margin (%) 6.62
BCSB's Net-margin (%) is ranked higher than
53% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.29 vs. BCSB: 6.62 )
BCSB' s 10-Year Net-margin (%) Range
Min: -47.95   Max: 16.72
Current: 6.62

-47.95
16.72
ROE (%) 2.77
BCSB's ROE (%) is ranked higher than
55% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. BCSB: 2.77 )
BCSB' s 10-Year ROE (%) Range
Min: -22.12   Max: 3.82
Current: 2.77

-22.12
3.82
ROA (%) 0.23
BCSB's ROA (%) is ranked higher than
55% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. BCSB: 0.23 )
BCSB' s 10-Year ROA (%) Range
Min: -0.94   Max: 0.61
Current: 0.23

-0.94
0.61
ROC (Joel Greenblatt) (%) 25.65
BCSB's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1726 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 68.75 vs. BCSB: 25.65 )
BCSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -44.63   Max: 47.92
Current: 25.65

-44.63
47.92
Revenue Growth (%) -1.90
BCSB's Revenue Growth (%) is ranked higher than
67% of the 1536 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. BCSB: -1.90 )
BCSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 38.1
Current: -1.9

0
38.1
EBITDA Growth (%) 12.20
BCSB's EBITDA Growth (%) is ranked higher than
81% of the 1385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. BCSB: 12.20 )
BCSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 43.6
Current: 12.2

0
43.6
EPS Growth (%) 43.40
BCSB's EPS Growth (%) is ranked higher than
95% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. BCSB: 43.40 )
BCSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 95.7
Current: 43.4

0
95.7
» BCSB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with BCSB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 59.90
BCSB's P/E(ttm) is ranked lower than
52% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. BCSB: 59.90 )
BCSB' s 10-Year P/E(ttm) Range
Min: 21.98   Max: 534.62
Current: 59.9

21.98
534.62
P/B 1.58
BCSB's P/B is ranked higher than
56% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. BCSB: 1.58 )
BCSB' s 10-Year P/B Range
Min: 0.4   Max: 2.93
Current: 1.58

0.4
2.93
P/S 3.92
BCSB's P/S is ranked higher than
60% of the 1711 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. BCSB: 3.92 )
BCSB' s 10-Year P/S Range
Min: 1.18   Max: 11.01
Current: 3.92

1.18
11.01
PFCF 20.40
BCSB's PFCF is ranked lower than
52% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. BCSB: 20.40 )
BCSB' s 10-Year PFCF Range
Min: 1.05   Max: 221.67
Current: 20.4

1.05
221.67
EV-to-EBIT 30.09
BCSB's EV-to-EBIT is ranked higher than
65% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.25 vs. BCSB: 30.09 )
BCSB' s 10-Year EV-to-EBIT Range
Min: 13.9   Max: 569.2
Current: 30.09

13.9
569.2
Shiller P/E 247.44
BCSB's Shiller P/E is ranked lower than
52% of the 1093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.35 vs. BCSB: 247.44 )
BCSB' s 10-Year Shiller P/E Range
Min: 60.65   Max: 424
Current: 247.44

60.65
424

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
BCSB's Price/Tangible Book is ranked higher than
68% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. BCSB: 1.60 )
BCSB' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 2.85
Current: 1.6

0.48
2.85
Price/DCF (Projected) 1.10
BCSB's Price/DCF (Projected) is ranked higher than
54% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. BCSB: 1.10 )
BCSB' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 1.65
Current: 1.1

0.32
1.65
Price/Median PS Value 1.60
BCSB's Price/Median PS Value is ranked higher than
59% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. BCSB: 1.60 )
BCSB' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 7.11
Current: 1.6

0.53
7.11
Price/Graham Number 2.00
BCSB's Price/Graham Number is ranked lower than
53% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. BCSB: 2.00 )
BCSB' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 8.17
Current: 2

0.73
8.17
Earnings Yield (Greenblatt) 3.30
BCSB's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. BCSB: 3.30 )
BCSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 7.2
Current: 3.3

0.2
7.2
Forward Rate of Return (Yacktman) 2.61
BCSB's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. BCSB: 2.61 )
BCSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10   Max: 51
Current: 2.61

-10
51

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
BCSB Bankcorp, Inc, is a Maryland corporation. The Company is the holding company for Baltimore County Savings Bank, F.S.B and it is engaged in the business of directing, planning, and coordinating the business activities of the Bank. The Bank's market area consists of the Baltimore metropolitan area. The Bank is a community-oriented financial institution dedicated to serving the financial service needs of consumers and businesses within its market area, which consists of the Baltimore Metropolitan Area. The Bank attracts deposits from the general public and invests these funds in loans secured by first mortgages on owner-occupied, single-family residences in its market area and other real estate loans consisting of commercial real estate loans, construction loans and single-family rental property loans. The Bank also originates consumer loans and commercial loans. The Bank derives its income manly from interest earned on these loans, and to a lesser extent, interest earned on investment securities and mortgage-backed securities. The Bank operates out of its main office in Baltimore County, Maryland and 17 branch offices in Baltimore County, Harford County, Howard County and Baltimore City in Maryland. The Bank's competition in originating real estate loans comes mainly from other savings institutions, commercial banks and mortgage bankers. Commercial banks, credit unions and finance companies provide vigorous competition in consumer lending. The competition for deposits is mainly from other savings institutions, commercial banks, credit unions and brokers in the local community. The Bank is subject to extensive regulation, examination and supervision by the Board of Governors of the Federal Reserve System and the State of Maryland Office of the Commissioner of Financial Regulation its primary regulators, and the Federal Deposit Insurance Corporation ("FDIC"), its deposit insurer.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK