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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 0.35
CBNK's Cash to Debt is ranked lower than
73% of the 983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. CBNK: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
CBNK' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.44 Max: N/A
Current: 0.35
Equity to Asset 0.13
CBNK's Equity to Asset is ranked higher than
75% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CBNK: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CBNK' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.16 Max: 0.24
Current: 0.13
0.1
0.24
F-Score: 6
WACC vs ROIC
3.28%
1.52%
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 (%) 13.56
CBNK's Operating margin (%) is ranked lower than
83% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.31 vs. CBNK: 13.56 )
Ranked among companies with meaningful Operating margin (%) only.
CBNK' s 10-Year Operating margin (%) Range
Min: -595.22  Med: -3.14 Max: 15.36
Current: 13.56
-595.22
15.36
Net-margin (%) 8.05
CBNK's Net-margin (%) is ranked lower than
87% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.02 vs. CBNK: 8.05 )
Ranked among companies with meaningful Net-margin (%) only.
CBNK' s 10-Year Net-margin (%) Range
Min: -16.69  Med: 10.35 Max: 130.08
Current: 8.05
-16.69
130.08
ROE (%) 2.11
CBNK's ROE (%) is ranked lower than
86% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. CBNK: 2.11 )
Ranked among companies with meaningful ROE (%) only.
CBNK' s 10-Year ROE (%) Range
Min: -3.34  Med: 1.50 Max: 6.65
Current: 2.11
-3.34
6.65
ROA (%) 0.29
CBNK's ROA (%) is ranked lower than
83% of the 1432 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. CBNK: 0.29 )
Ranked among companies with meaningful ROA (%) only.
CBNK' s 10-Year ROA (%) Range
Min: -0.6  Med: 0.37 Max: 0.81
Current: 0.29
-0.6
0.81
Revenue Growth (3Y)(%) 4.80
CBNK's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. CBNK: 4.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.80 Max: 13.6
Current: 4.8
0
13.6
» CBNK's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 44.06
CBNK's P/E(ttm) is ranked lower than
93% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. CBNK: 44.06 )
Ranked among companies with meaningful P/E(ttm) only.
CBNK' s 10-Year P/E(ttm) Range
Min: 27.78  Med: 60.75 Max: 778.13
Current: 44.06
27.78
778.13
PE(NRI) 44.40
CBNK's PE(NRI) is ranked lower than
94% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. CBNK: 44.40 )
Ranked among companies with meaningful PE(NRI) only.
CBNK' s 10-Year PE(NRI) Range
Min: 27.93  Med: 61.55 Max: 622.5
Current: 44.4
27.93
622.5
P/B 0.99
CBNK's P/B is ranked higher than
59% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. CBNK: 0.99 )
Ranked among companies with meaningful P/B only.
CBNK' s 10-Year P/B Range
Min: 0.72  Med: 0.92 Max: 1.09
Current: 0.99
0.72
1.09
P/S 3.51
CBNK's P/S is ranked lower than
64% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. CBNK: 3.51 )
Ranked among companies with meaningful P/S only.
CBNK' s 10-Year P/S Range
Min: 3.19  Med: 4.01 Max: 25.61
Current: 3.51
3.19
25.61
PFCF 17.90
CBNK's PFCF is ranked lower than
74% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.85 vs. CBNK: 17.90 )
Ranked among companies with meaningful PFCF only.
CBNK' s 10-Year PFCF Range
Min: 12.04  Med: 19.87 Max: 1585
Current: 17.9
12.04
1585
POCF 16.47
CBNK's POCF is ranked lower than
79% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.17 vs. CBNK: 16.47 )
Ranked among companies with meaningful POCF only.
CBNK' s 10-Year POCF Range
Min: 11.22  Med: 18.55 Max: 396.25
Current: 16.47
11.22
396.25
EV-to-EBIT 45.92
CBNK's EV-to-EBIT is ranked lower than
90% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. CBNK: 45.92 )
Ranked among companies with meaningful EV-to-EBIT only.
CBNK' s 10-Year EV-to-EBIT Range
Min: -479  Med: 36.30 Max: 2816.8
Current: 45.92
-479
2816.8
Shiller P/E 87.42
CBNK's Shiller P/E is ranked lower than
97% of the 784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.97 vs. CBNK: 87.42 )
Ranked among companies with meaningful Shiller P/E only.
CBNK' s 10-Year Shiller P/E Range
Min: 86.42  Med: 119.50 Max: 154.55
Current: 87.42
86.42
154.55
Days Sales Outstanding 26.97
CBNK's Days Sales Outstanding is ranked higher than
63% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. CBNK: 26.97 )
Ranked among companies with meaningful Days Sales Outstanding only.
CBNK' s 10-Year Days Sales Outstanding Range
Min: 25.82  Med: 34.69 Max: 303.64
Current: 26.97
25.82
303.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.78
CBNK's Dividend Yield is ranked lower than
71% of the 2262 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. CBNK: 1.78 )
Ranked among companies with meaningful Dividend Yield only.
CBNK' s 10-Year Dividend Yield Range
Min: 0.29  Med: 1.31 Max: 1.88
Current: 1.78
0.29
1.88
Dividend Payout 0.75
CBNK's Dividend Payout is ranked lower than
88% of the 1321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. CBNK: 0.75 )
Ranked among companies with meaningful Dividend Payout only.
CBNK' s 10-Year Dividend Payout Range
Min: 0.31  Med: 0.48 Max: 1.17
Current: 0.75
0.31
1.17
Yield on cost (5-Year) 1.79
CBNK's Yield on cost (5-Year) is ranked lower than
74% of the 2265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. CBNK: 1.79 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.29  Med: 1.31 Max: 1.88
Current: 1.79
0.29
1.88
Share Buyback Rate 1.70
CBNK's Share Buyback Rate is ranked higher than
91% of the 1012 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. CBNK: 1.70 )
Ranked among companies with meaningful Share Buyback Rate only.
CBNK' s 10-Year Share Buyback Rate Range
Min: 0  Med: 8.50 Max: 1.7
Current: 1.7
0
1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
CBNK's Price/Tangible Book is ranked higher than
62% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. CBNK: 0.96 )
Ranked among companies with meaningful Price/Tangible Book only.
CBNK' s 10-Year Price/Tangible Book Range
Min: 0.75  Med: 0.91 Max: 1.07
Current: 0.96
0.75
1.07
Price/Projected FCF 0.73
CBNK's Price/Projected FCF is ranked lower than
58% of the 806 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. CBNK: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
CBNK' s 10-Year Price/Projected FCF Range
Min: 0.72  Med: 0.90 Max: 0.97
Current: 0.73
0.72
0.97
Price/Median PS Value 0.87
CBNK's Price/Median PS Value is ranked higher than
75% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. CBNK: 0.87 )
Ranked among companies with meaningful Price/Median PS Value only.
CBNK' s 10-Year Price/Median PS Value Range
Min: 0.84  Med: 1.01 Max: 6.27
Current: 0.87
0.84
6.27
Price/Graham Number 1.40
CBNK's Price/Graham Number is ranked lower than
88% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. CBNK: 1.40 )
Ranked among companies with meaningful Price/Graham Number only.
CBNK' s 10-Year Price/Graham Number Range
Min: 1.19  Med: 1.71 Max: 11.33
Current: 1.4
1.19
11.33
Earnings Yield (Greenblatt) (%) 2.20
CBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
81% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. CBNK: 2.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBNK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 1.20 Max: 5.6
Current: 2.2
0.2
5.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Chicopee Bancorp Inc a Massachusetts corporation was formed on March 14, 2006 by Chicopee Savings Bank. The Company provides financial services to individuals and businesses through its bank subsidiary Chicopee Savings Bank. The Bank is a Massachusetts state-chartered savings bank operating eight full service branch offices and its lending and operation center in Western Massachusetts. The Bank's primary source of revenue is earned by providing loans to small and middle-market businesses and to residential property homeowners. The Bank's primary deposit products are savings and term certificate accounts. The Bank is a full-service, community oriented financial institution offering products and services to individuals and businesses through nine offices located in Western Massachusetts. The Bank's deposits are insured by the Federal Deposit Insurance Corporation ("FDIC") and Depositor's Insurance Fund ("DIF") of Massachusetts. Chicopee Savings Bank's business consists primarily of making loans to its customers, including residential mortgages, commercial real estate loans, commercial loans and consumer loans, including home equity loans, and investing in a variety of investment securities. The Bank funds these lending and investment activities with deposits from the general public, funds generated from operations and borrowings. The Bank also sells residential one-to-four family real estate loans to the secondary market to reduce interest rate risk. The Company's competitior's include Bank of America Corporation, Santander Bank, N.A., Citizens Financial Group, First Niagara Financial Group, Inc., and TD Bank, Inc. The Bank is also a member of the Federal Home Loan Bank of Boston ("FHLB") and is regulated by the FDIC and the Massachusetts Division of Banks.
» More Articles for CBNK

Headlines

Articles On GuruFocus.com
Chicopee Bancorp Inc. Reports Operating Results (10-K) Mar 16 2011 
Chicopee Bancorp, Inc. Reports Year and Quarter End Results Jan 30 2009 

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