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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.70
CBNK's Cash to Debt is ranked higher than
67% of the 1688 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. CBNK: 0.70 )
CBNK' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.7

Equity to Asset 0.14
CBNK's Equity to Asset is ranked higher than
88% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. CBNK: 0.14 )
CBNK' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.24
Current: 0.14

0.11
0.24
F-Score: 4
Z-Score: 0.24
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 : 4/10

vs
industry
vs
history
Operating margin (%) -7.49
CBNK's Operating margin (%) is ranked lower than
53% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.19 vs. CBNK: -7.49 )
CBNK' s 10-Year Operating margin (%) Range
Min: -595.22   Max: 15.36
Current: -7.49

-595.22
15.36
Net-margin (%) -2.57
CBNK's Net-margin (%) is ranked lower than
52% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.29 vs. CBNK: -2.57 )
CBNK' s 10-Year Net-margin (%) Range
Min: -16.69   Max: 130.08
Current: -2.57

-16.69
130.08
ROE (%) -0.64
CBNK's ROE (%) is ranked lower than
52% of the 2336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.96 vs. CBNK: -0.64 )
CBNK' s 10-Year ROE (%) Range
Min: -3.34   Max: 6.65
Current: -0.64

-3.34
6.65
ROA (%) -0.09
CBNK's ROA (%) is ranked lower than
52% of the 2341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CBNK: -0.09 )
CBNK' s 10-Year ROA (%) Range
Min: -0.6   Max: 0.81
Current: -0.09

-0.6
0.81
ROC (Joel Greenblatt) (%) -18.65
CBNK's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 2305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 88.52 vs. CBNK: -18.65 )
CBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -141.9   Max: 37.3
Current: -18.65

-141.9
37.3
Revenue Growth (3Y)(%) 4.80
CBNK's Revenue Growth (3Y)(%) is ranked higher than
81% of the 1994 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. CBNK: 4.80 )
CBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 15.8
Current: 4.8

0
15.8
» 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/B 1.00
CBNK's P/B is ranked higher than
81% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. CBNK: 1.00 )
CBNK' s 10-Year P/B Range
Min: 0.72   Max: 1.09
Current: 1

0.72
1.09
P/S 3.70
CBNK's P/S is ranked higher than
56% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.75 vs. CBNK: 3.70 )
CBNK' s 10-Year P/S Range
Min: 3.19   Max: 25.61
Current: 3.7

3.19
25.61
PFCF 19.50
CBNK's PFCF is ranked higher than
73% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CBNK: 19.50 )
CBNK' s 10-Year PFCF Range
Min: 12.04   Max: 1585
Current: 19.5

12.04
1585
POCF 18.53
CBNK's POCF is ranked higher than
75% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 79.62 vs. CBNK: 18.53 )
CBNK' s 10-Year POCF Range
Min: 11.22   Max: 431.67
Current: 18.53

11.22
431.67
EV-to-EBIT -65.26
CBNK's EV-to-EBIT is ranked lower than
57% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.51 vs. CBNK: -65.26 )
CBNK' s 10-Year EV-to-EBIT Range
Min: -479   Max: 2816.8
Current: -65.26

-479
2816.8
Shiller P/E 111.70
CBNK's Shiller P/E is ranked higher than
75% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CBNK: 111.70 )
CBNK' s 10-Year Shiller P/E Range
Min: 99.35   Max: 154.55
Current: 111.7

99.35
154.55
Days Sales Outstanding 25.83
CBNK's Days Sales Outstanding is ranked higher than
92% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CBNK: 25.83 )
CBNK' s 10-Year Days Sales Outstanding Range
Min: 25.82   Max: 303.64
Current: 25.83

25.82
303.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
CBNK's Dividend Yield is ranked lower than
66% of the 2176 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. CBNK: 1.60 )
CBNK' s 10-Year Dividend Yield Range
Min: 0.29   Max: 1.88
Current: 1.6

0.29
1.88
Dividend Payout 2.85
CBNK's Dividend Payout is ranked higher than
60% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. CBNK: 2.85 )
CBNK' s 10-Year Dividend Payout Range
Min: 0.4   Max: 0.4
Current: 2.85

Yield on cost (5-Year) 1.70
CBNK's Yield on cost (5-Year) is ranked lower than
68% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.75 vs. CBNK: 1.70 )
CBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 1.88
Current: 1.7

0.29
1.88
Share Buyback Rate 1.70
CBNK's Share Buyback Rate is ranked higher than
91% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. CBNK: 1.70 )
CBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: 1.7
Current: 1.7

0
1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
CBNK's Price/Tangible Book is ranked higher than
83% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. CBNK: 1.03 )
CBNK' s 10-Year Price/Tangible Book Range
Min: 0.75   Max: 1.07
Current: 1.03

0.75
1.07
Price/DCF (Projected) 0.80
CBNK's Price/DCF (Projected) is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CBNK: 0.80 )
CBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.79   Max: 0.93
Current: 0.8

0.79
0.93
Price/Median PS Value 0.97
CBNK's Price/Median PS Value is ranked higher than
82% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. CBNK: 0.97 )
CBNK' s 10-Year Price/Median PS Value Range
Min: 0.92   Max: 3.84
Current: 0.97

0.92
3.84
Earnings Yield (Greenblatt) -1.50
CBNK's Earnings Yield (Greenblatt) is ranked lower than
57% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. CBNK: -1.50 )
CBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 5.6
Current: -1.5

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.
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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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