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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.17
CBNJ's Cash to Debt is ranked lower than
87% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CBNJ: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
CBNJ' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.25 Max: N/A
Current: 0.17
Equity to Asset 0.13
CBNJ's Equity to Asset is ranked higher than
74% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBNJ: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CBNJ' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.13 Max: 0.16
Current: 0.13
0.11
0.16
Interest Coverage 2.12
CBNJ's Interest Coverage is ranked higher than
57% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CBNJ: 2.12 )
Ranked among companies with meaningful Interest Coverage only.
CBNJ' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.88 Max: 2.12
Current: 2.12
0.18
2.12
F-Score: 4
WACC vs ROIC
5.11%
2.37%
WACC
ROIC
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 (%) 23.84
CBNJ's Operating margin (%) is ranked lower than
63% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CBNJ: 23.84 )
Ranked among companies with meaningful Operating margin (%) only.
CBNJ' s 10-Year Operating margin (%) Range
Min: -336.74  Med: -61.00 Max: 26.23
Current: 23.84
-336.74
26.23
Net-margin (%) 14.66
CBNJ's Net-margin (%) is ranked lower than
72% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CBNJ: 14.66 )
Ranked among companies with meaningful Net-margin (%) only.
CBNJ' s 10-Year Net-margin (%) Range
Min: -184.1  Med: 15.36 Max: 123.95
Current: 14.66
-184.1
123.95
ROE (%) 4.10
CBNJ's ROE (%) is ranked lower than
78% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CBNJ: 4.10 )
Ranked among companies with meaningful ROE (%) only.
CBNJ' s 10-Year ROE (%) Range
Min: -39.79  Med: 4.82 Max: 7.55
Current: 4.1
-39.79
7.55
ROA (%) 0.53
CBNJ's ROA (%) is ranked lower than
68% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBNJ: 0.53 )
Ranked among companies with meaningful ROA (%) only.
CBNJ' s 10-Year ROA (%) Range
Min: -4.93  Med: 0.55 Max: 0.84
Current: 0.53
-4.93
0.84
ROC (Joel Greenblatt) (%) 47.47
CBNJ's ROC (Joel Greenblatt) (%) is ranked lower than
64% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CBNJ: 47.47 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CBNJ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -233  Med: 9.89 Max: 55.61
Current: 47.47
-233
55.61
Revenue Growth (3Y)(%) 5.60
CBNJ's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CBNJ: 5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBNJ' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 19.9
Current: 5.6
0
19.9
EPS Growth (3Y)(%) -1.10
CBNJ's EPS Growth (3Y)(%) is ranked lower than
73% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CBNJ: -1.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBNJ' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 11.7
Current: -1.1
0
11.7
» CBNJ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CBNJ Guru Trades in Q2 2014

Jim Simons 53,790 sh (+53.62%)
Michael Price 259,200 sh (unchged)
» More
Q3 2014

CBNJ Guru Trades in Q3 2014

Jim Simons 58,897 sh (+9.49%)
Michael Price 259,200 sh (unchged)
» More
Q4 2014

CBNJ Guru Trades in Q4 2014

Jim Simons 75,190 sh (+27.66%)
Michael Price 259,200 sh (unchged)
» More
Q1 2015

CBNJ Guru Trades in Q1 2015

Jim Simons 84,299 sh (+12.11%)
Michael Price 259,200 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CBNJ

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

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Ratios

vs
industry
vs
history
P/E(ttm) 18.10
CBNJ's P/E(ttm) is ranked lower than
69% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CBNJ: 18.10 )
Ranked among companies with meaningful P/E(ttm) only.
CBNJ' s 10-Year P/E(ttm) Range
Min: 8.05  Med: 20.94 Max: 97.88
Current: 18.1
8.05
97.88
PE(NRI) 18.10
CBNJ's PE(NRI) is ranked lower than
70% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CBNJ: 18.10 )
Ranked among companies with meaningful PE(NRI) only.
CBNJ' s 10-Year PE(NRI) Range
Min: 7.95  Med: 20.85 Max: 83.2
Current: 18.1
7.95
83.2
P/B 0.80
CBNJ's P/B is ranked higher than
77% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CBNJ: 0.80 )
Ranked among companies with meaningful P/B only.
CBNJ' s 10-Year P/B Range
Min: 0.61  Med: 0.77 Max: 1.01
Current: 0.8
0.61
1.01
P/S 2.63
CBNJ's P/S is ranked higher than
59% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CBNJ: 2.63 )
Ranked among companies with meaningful P/S only.
CBNJ' s 10-Year P/S Range
Min: 1.98  Med: 2.72 Max: 14.71
Current: 2.63
1.98
14.71
PFCF 7.65
CBNJ's PFCF is ranked higher than
63% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CBNJ: 7.65 )
Ranked among companies with meaningful PFCF only.
CBNJ' s 10-Year PFCF Range
Min: 4.44  Med: 8.15 Max: 44.27
Current: 7.65
4.44
44.27
POCF 7.22
CBNJ's POCF is ranked higher than
63% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CBNJ: 7.22 )
Ranked among companies with meaningful POCF only.
CBNJ' s 10-Year POCF Range
Min: 4.31  Med: 7.75 Max: 33.59
Current: 7.22
4.31
33.59
EV-to-EBIT 30.08
CBNJ's EV-to-EBIT is ranked lower than
82% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CBNJ: 30.08 )
Ranked among companies with meaningful EV-to-EBIT only.
CBNJ' s 10-Year EV-to-EBIT Range
Min: -380.9  Med: -4.20 Max: 250.1
Current: 30.08
-380.9
250.1
Shiller P/E 57.99
CBNJ's Shiller P/E is ranked lower than
94% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. CBNJ: 57.99 )
Ranked among companies with meaningful Shiller P/E only.
CBNJ' s 10-Year Shiller P/E Range
Min: 56.88  Med: 59.84 Max: 62.67
Current: 57.99
56.88
62.67
Days Sales Outstanding 29.68
CBNJ's Days Sales Outstanding is ranked higher than
59% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. CBNJ: 29.68 )
Ranked among companies with meaningful Days Sales Outstanding only.
CBNJ' s 10-Year Days Sales Outstanding Range
Min: 26.06  Med: 38.12 Max: 225.45
Current: 29.68
26.06
225.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.52
CBNJ's Dividend Yield is ranked higher than
50% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. CBNJ: 2.52 )
Ranked among companies with meaningful Dividend Yield only.
CBNJ' s 10-Year Dividend Yield Range
Min: 0.54  Med: 2.11 Max: 2.78
Current: 2.52
0.54
2.78
Dividend Payout 0.45
CBNJ's Dividend Payout is ranked lower than
69% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. CBNJ: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
CBNJ' s 10-Year Dividend Payout Range
Min: 0.31  Med: 0.41 Max: 1.35
Current: 0.45
0.31
1.35
Yield on cost (5-Year) 2.52
CBNJ's Yield on cost (5-Year) is ranked lower than
56% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. CBNJ: 2.52 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBNJ' s 10-Year Yield on cost (5-Year) Range
Min: 0.54  Med: 2.11 Max: 2.78
Current: 2.52
0.54
2.78
Share Buyback Rate 3.90
CBNJ's Share Buyback Rate is ranked higher than
89% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CBNJ: 3.90 )
Ranked among companies with meaningful Share Buyback Rate only.
CBNJ' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.00 Max: -0.4
Current: 3.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
CBNJ's Price/Tangible Book is ranked higher than
70% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CBNJ: 0.91 )
Ranked among companies with meaningful Price/Tangible Book only.
CBNJ' s 10-Year Price/Tangible Book Range
Min: 0.76  Med: 0.96 Max: 1.11
Current: 0.91
0.76
1.11
Price/Projected FCF 0.41
CBNJ's Price/Projected FCF is ranked higher than
77% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CBNJ: 0.41 )
Ranked among companies with meaningful Price/Projected FCF only.
CBNJ' s 10-Year Price/Projected FCF Range
Min: 0.41  Med: 0.47 Max: 0.52
Current: 0.41
0.41
0.52
Price/Median PS Value 0.97
CBNJ's Price/Median PS Value is ranked higher than
72% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CBNJ: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
CBNJ' s 10-Year Price/Median PS Value Range
Min: 0.75  Med: 1.03 Max: 5.26
Current: 0.97
0.75
5.26
Price/Graham Number 0.88
CBNJ's Price/Graham Number is ranked higher than
52% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CBNJ: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
CBNJ' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 1.01 Max: 7.21
Current: 0.88
0.54
7.21
Earnings Yield (Greenblatt) (%) 3.29
CBNJ's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CBNJ: 3.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBNJ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 4.50 Max: 6.2
Current: 3.29
0.4
6.2

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:5BO.Germany,
Cape Bancorp Inc., is a Maryland corporation that was incorporated on September 14, 2007. It is a bank holding company of Cape Bank. The Bank provides a complete line of business and personal banking products throughout its branch network located throughout Atlantic and Cape May counties in southern New Jersey. It is a community bank focused on providing deposit and loan products to retail customers and to small and mid-sized businesses. It attracts deposits from the general public and uses those funds to originate a variety of loans, including commercial mortgages, commercial business loans, residential mortgage loans, home equity loans and lines of credit and construction loans. Its retail and business banking deposit products include savings accounts, checking accounts, money market accounts, and certificates of deposit with terms ranging from 30 days to 60 months. The Company also maintains an investment portfolio. It offers a variety of loans, including commercial mortgages, commercial loans, residential mortgage loans, home equity loans and lines of credit, and construction loans. The Bank offers commercial mortgage loans secured by real estate mainly with interest rates that adjust every three to five years. It offers two types of residential mortgage loans: fixed-rate loans and adjustable-rate loans. It offers fixed rate mortgage loans with terms of up to 30 years. It offers commercial business loans to professionals, sole proprietorships and small businesses in its market area. It offers interim construction financing secured by residential property for the purpose of constructing one- to four-family homes. It offers consumer loans secured by certificates of deposit held at Cape Bank, the pricing of which is based upon the rate of the certificate of deposit. The Company faces competition for investors' funds from money market funds, mutual funds and other corporate and government securities.
» More Articles for CBNJ

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: JMP, SONS, OPK, ARAY, CBNJ Nov 04 2014 
CAPE BANCORP, INC. (CBNJ) CEO Michael D Devlin buys 6,500 Shares Nov 05 2009 
CAPE BANCORP, INC. (CBNJ) CEO Michael D Devlin buys 3,000 Shares Nov 02 2009 
CAPE BANCORP, INC. (CBNJ) CFO Guy Hackney buys 1,000 Shares Oct 27 2009 

More From Other Websites
10-K for Cape Bancorp, Inc. May 07 2015
CAPE BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 05 2015
CAPE BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... Apr 29 2015
CAPE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 28 2015
Cape Bancorp, Inc. Announces Loan Purchase and Cash Dividend Apr 28 2015
CAPE BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 27 2015
Cape Bancorp posts 1Q profit Apr 27 2015
Cape Bancorp posts 1Q profit Apr 27 2015
Cape Bancorp, Inc. Reports First Quarter 2015 Results Apr 27 2015
Cape Bancorp, Inc. Reports First Quarter 2015 Results Apr 27 2015
CAPE BANCORP, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Change in... Apr 01 2015
Cape Bancorp, Inc. Announces Completion of Merger With Colonial Financial Services, Inc. of... Apr 01 2015
CAPE BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 31 2015
Cape Bank to Purchase Hammonton, New Jersey Branch From Sun National Bank Mar 31 2015
Sun Bancorp, Inc. Announces Branch Sale Agreement and Consolidations of Nine Additional Branches Mar 31 2015
CAPE BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 19 2015
Cape Bancorp, Inc. Announces Resignation of Director James J. Lynch and Appointment of James F.... Mar 18 2015
Cape Bancorp, Inc. and Colonial Financial Services, Inc. Announce Receipt of Shareholder Approvals... Mar 18 2015
CAPE BANCORP, INC. Financials Mar 17 2015
CAPE BANCORP, INC. Files SEC form 10-K, Annual Report Mar 10 2015

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