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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 0.29
CBNK's Cash to Debt is ranked lower than
77% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. CBNK: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
CBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.58 Max: N/A
Current: 0.29
Equity to Asset 0.13
CBNK's Equity to Asset is ranked higher than
74% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.16 Max: 0.24
Current: 0.13
0.1
0.24
Interest Coverage 0.99
CBNK's Interest Coverage is ranked lower than
65% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. CBNK: 0.99 )
Ranked among companies with meaningful Interest Coverage only.
CBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.19 Max: 0.74
Current: 0.99
0.03
0.74
F-Score: 6
WACC vs ROIC
3.24%
2.28%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.67
CBNK's Operating margin (%) is ranked lower than
80% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. CBNK: 16.67 )
Ranked among companies with meaningful Operating margin (%) only.
CBNK' s Operating margin (%) Range Over the Past 10 Years
Min: -595.22  Med: 1.81 Max: 15.36
Current: 16.67
-595.22
15.36
Net-margin (%) 12.42
CBNK's Net-margin (%) is ranked lower than
80% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. CBNK: 12.42 )
Ranked among companies with meaningful Net-margin (%) only.
CBNK' s Net-margin (%) Range Over the Past 10 Years
Min: -16.69  Med: 3.87 Max: 87.84
Current: 12.42
-16.69
87.84
ROE (%) 3.39
CBNK's ROE (%) is ranked lower than
83% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. CBNK: 3.39 )
Ranked among companies with meaningful ROE (%) only.
CBNK' s ROE (%) Range Over the Past 10 Years
Min: -3.34  Med: 0.85 Max: 3.31
Current: 3.39
-3.34
3.31
ROA (%) 0.45
CBNK's ROA (%) is ranked lower than
74% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. CBNK: 0.45 )
Ranked among companies with meaningful ROA (%) only.
CBNK' s ROA (%) Range Over the Past 10 Years
Min: -0.6  Med: 0.18 Max: 0.43
Current: 0.45
-0.6
0.43
Revenue Growth (3Y)(%) 4.80
CBNK's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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

Guru Trades

CBNK Guru Trades in

CBNK Guru Trades in

CBNK Guru Trades in

Q4 2015

CBNK Guru Trades in Q4 2015

Charles Brandes 11,727 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with CBNK

(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) 38.10
CBNK's P/E(ttm) is ranked lower than
93% of the 2164 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. CBNK: 38.10 )
Ranked among companies with meaningful P/E(ttm) only.
CBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 28.43  Med: 52.70 Max: 622.5
Current: 38.1
28.43
622.5
PE(NRI) 37.20
CBNK's PE(NRI) is ranked lower than
92% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. CBNK: 37.20 )
Ranked among companies with meaningful PE(NRI) only.
CBNK' s PE(NRI) Range Over the Past 10 Years
Min: 27.93  Med: 52.70 Max: 622.5
Current: 37.2
27.93
622.5
P/B 1.00
CBNK's P/B is ranked lower than
52% of the 2247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. CBNK: 1.00 )
Ranked among companies with meaningful P/B only.
CBNK' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 0.92 Max: 1.09
Current: 1
0.72
1.09
P/S 3.64
CBNK's P/S is ranked lower than
73% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.55 vs. CBNK: 3.64 )
Ranked among companies with meaningful P/S only.
CBNK' s P/S Range Over the Past 10 Years
Min: 3.19  Med: 4.02 Max: 25.61
Current: 3.64
3.19
25.61
PFCF 20.15
CBNK's PFCF is ranked lower than
85% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. CBNK: 20.15 )
Ranked among companies with meaningful PFCF only.
CBNK' s PFCF Range Over the Past 10 Years
Min: 11.85  Med: 19.92 Max: 337
Current: 20.15
11.85
337
POCF 18.42
CBNK's POCF is ranked lower than
86% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. CBNK: 18.42 )
Ranked among companies with meaningful POCF only.
CBNK' s POCF Range Over the Past 10 Years
Min: 11.05  Med: 18.53 Max: 207.5
Current: 18.42
11.05
207.5
EV-to-EBIT 38.03
CBNK's EV-to-EBIT is ranked lower than
89% of the 2121 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.36 vs. CBNK: 38.03 )
Ranked among companies with meaningful EV-to-EBIT only.
CBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -479  Med: 36.30 Max: 2816.8
Current: 38.03
-479
2816.8
EV-to-EBITDA 31.68
CBNK's EV-to-EBITDA is ranked lower than
89% of the 2129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.08 vs. CBNK: 31.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -157.2  Med: 29.20 Max: 126.7
Current: 31.68
-157.2
126.7
Shiller P/E 157.83
CBNK's Shiller P/E is ranked lower than
99% of the 681 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.38 vs. CBNK: 157.83 )
Ranked among companies with meaningful Shiller P/E only.
CBNK' s Shiller P/E Range Over the Past 10 Years
Min: 146.45  Med: 235.86 Max: 340
Current: 157.83
146.45
340

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.82
CBNK's Dividend Yield is ranked lower than
75% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. CBNK: 1.82 )
Ranked among companies with meaningful Dividend Yield only.
CBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.29  Med: 1.51 Max: 1.88
Current: 1.82
0.29
1.88
Dividend Payout 0.62
CBNK's Dividend Payout is ranked lower than
83% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. CBNK: 0.62 )
Ranked among companies with meaningful Dividend Payout only.
CBNK' s Dividend Payout Range Over the Past 10 Years
Min: 0.31  Med: 0.47 Max: 1.4
Current: 0.62
0.31
1.4
Forward Dividend Yield 2.10
CBNK's Forward Dividend Yield is ranked lower than
76% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. CBNK: 2.10 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.82
CBNK's Yield on cost (5-Year) is ranked lower than
76% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. CBNK: 1.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBNK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.29  Med: 1.51 Max: 1.88
Current: 1.82
0.29
1.88
3-Year Average Share Buyback Ratio 1.70
CBNK's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. CBNK: 1.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CBNK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 1.7  Med: 8.50 Max: 0
Current: 1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
CBNK's Price/Tangible Book is ranked higher than
56% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. CBNK: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
CBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.75  Med: 0.91 Max: 1.07
Current: 1
0.75
1.07
Price/Projected FCF 0.78
CBNK's Price/Projected FCF is ranked lower than
65% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CBNK: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
CBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.72  Med: 0.90 Max: 0.98
Current: 0.78
0.72
0.98
Price/Median PS Value 0.91
CBNK's Price/Median PS Value is ranked higher than
57% of the 2108 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. CBNK: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
CBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.84  Med: 1.01 Max: 6.3
Current: 0.91
0.84
6.3
Price/Graham Number 1.29
CBNK's Price/Graham Number is ranked lower than
87% of the 2062 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CBNK: 1.29 )
Ranked among companies with meaningful Price/Graham Number only.
CBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 1.15  Med: 1.50 Max: 4.34
Current: 1.29
1.15
4.34
Earnings Yield (Greenblatt) (%) 2.60
CBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
80% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. CBNK: 2.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 1.90 Max: 5.6
Current: 2.6
0.2
5.6

More Statistics

Revenue(Mil) $24
EPS $ 0.46
Beta0.16
Short Percentage of Float0.19%
52-Week Range $15.90 - 18.25
Shares Outstanding(Mil)5.21

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

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Chicopee Bancorp Inc. Reports Operating Results (10-K) Mar 16 2011 

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