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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 0.38
CBNK's Cash to Debt is ranked higher than
63% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CBNK: 0.38 )
CBNK' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.38

Equity to Asset 0.15
CBNK's Equity to Asset is ranked higher than
93% of the 1739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. CBNK: 0.15 )
CBNK' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.24
Current: 0.15

0.1
0.24
Interest Coverage 0.74
CBNK's Interest Coverage is ranked higher than
60% of the 1607 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. CBNK: 0.74 )
CBNK' s 10-Year Interest Coverage Range
Min: 0.03   Max: 0.74
Current: 0.74

0.03
0.74
F-Score: 2
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 : 5/10

vs
industry
vs
history
Operating margin (%) -8.58
CBNK's Operating margin (%) is ranked lower than
51% of the 1765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.49 vs. CBNK: -8.58 )
CBNK' s 10-Year Operating margin (%) Range
Min: -595.22   Max: 15.36
Current: -8.58

-595.22
15.36
Net-margin (%) -0.72
CBNK's Net-margin (%) is ranked higher than
50% of the 1772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.32 vs. CBNK: -0.72 )
CBNK' s 10-Year Net-margin (%) Range
Min: -16.69   Max: 130.08
Current: -0.72

-16.69
130.08
ROE (%) -0.17
CBNK's ROE (%) is ranked higher than
51% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.43 vs. CBNK: -0.17 )
CBNK' s 10-Year ROE (%) Range
Min: -3.34   Max: 6.65
Current: -0.17

-3.34
6.65
ROA (%) -0.03
CBNK's ROA (%) is ranked higher than
51% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. CBNK: -0.03 )
CBNK' s 10-Year ROA (%) Range
Min: -0.6   Max: 0.81
Current: -0.03

-0.6
0.81
ROC (Joel Greenblatt) (%) -20.30
CBNK's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 1746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. CBNK: -20.30 )
CBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -141.9   Max: 37.3
Current: -20.3

-141.9
37.3
Revenue Growth (%) 7.40
CBNK's Revenue Growth (%) is ranked higher than
89% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CBNK: 7.40 )
CBNK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 13.6
Current: 7.4

0
13.6
EBITDA Growth (%) 55.00
CBNK's EBITDA Growth (%) is ranked higher than
97% of the 1376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. CBNK: 55.00 )
CBNK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 55
Current: 55

0
55
EPS Growth (%) 84.20
CBNK's EPS Growth (%) is ranked higher than
98% of the 1375 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. CBNK: 84.20 )
CBNK' s 10-Year EPS Growth (%) Range
Min: 0   Max: 84.2
Current: 84.2

0
84.2
» CBNK's 10-Y Financials

Financials


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

» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2011-12-31 Sold Out 0.0016%$13 - $14.1 $ 14.849%0
Charles Brandes 2011-06-30 Reduce -84.73%0.01%$13.91 - $14.69 $ 14.844%15210
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/B 0.90
CBNK's P/B is ranked higher than
83% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. CBNK: 0.90 )
CBNK' s 10-Year P/B Range
Min: 0.72   Max: 1.09
Current: 0.9

0.72
1.09
P/S 3.53
CBNK's P/S is ranked higher than
67% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. CBNK: 3.53 )
CBNK' s 10-Year P/S Range
Min: 3.29   Max: 25.61
Current: 3.53

3.29
25.61
PFCF 17.88
CBNK's PFCF is ranked higher than
75% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 227.00 vs. CBNK: 17.88 )
CBNK' s 10-Year PFCF Range
Min: 12.04   Max: 1585
Current: 17.88

12.04
1585
EV-to-EBIT -62.55
CBNK's EV-to-EBIT is ranked higher than
50% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.15 vs. CBNK: -62.55 )
CBNK' s 10-Year EV-to-EBIT Range
Min: 17.7   Max: 2816.8
Current: -62.55

17.7
2816.8
Shiller P/E 132.16
CBNK's Shiller P/E is ranked higher than
71% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.31 vs. CBNK: 132.16 )
CBNK' s 10-Year Shiller P/E Range
Min: 99.35   Max: 154.55
Current: 132.16

99.35
154.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.74
CBNK's Dividend Yield is ranked lower than
62% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.39 vs. CBNK: 1.74 )
CBNK' s 10-Year Dividend Yield Range
Min: 0.29   Max: 1.62
Current: 1.74

0.29
1.62
Dividend Payout 2.85
CBNK's Dividend Payout is ranked higher than
52% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. CBNK: 2.85 )
CBNK' s 10-Year Dividend Payout Range
Min: 0.31   Max: 0.5
Current: 2.85

0.31
0.5
Yield on cost (5-Year) 1.80
CBNK's Yield on cost (5-Year) is ranked lower than
66% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. CBNK: 1.80 )
CBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 1.62
Current: 1.8

0.29
1.62
Share Buyback Rate 3.30
CBNK's Share Buyback Rate is ranked higher than
96% of the 1304 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. CBNK: 3.30 )
CBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: 3.3
Current: 3.3

0
3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
CBNK's Price/Tangible Book is ranked higher than
86% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. CBNK: 0.90 )
CBNK' s 10-Year Price/Tangible Book Range
Min: 0.75   Max: 1.07
Current: 0.9

0.75
1.07
Price/DCF (Projected) 0.77
CBNK's Price/DCF (Projected) is ranked higher than
77% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. CBNK: 0.77 )
CBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.72   Max: 0.97
Current: 0.77

0.72
0.97
Price/Median PS Value 0.87
CBNK's Price/Median PS Value is ranked higher than
91% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. CBNK: 0.87 )
CBNK' s 10-Year Price/Median PS Value Range
Min: 0.83   Max: 6.2
Current: 0.87

0.83
6.2
Earnings Yield (Greenblatt) 0.70
CBNK's Earnings Yield (Greenblatt) is ranked lower than
54% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. CBNK: 0.70 )
CBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 5.6
Current: 0.7

0.2
5.6
Forward Rate of Return (Yacktman) 1.36
CBNK's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.57 vs. CBNK: 1.36 )
CBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.7   Max: 37.4
Current: 1.36

-0.7
37.4

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. The Company provides a variety of financial services to individuals and businesses through its bank subsidiary Chicopee Savings Bank. 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. 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. Chicopee Savings Bank's business consists mainly 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 investments. 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 Bank's revenues are derived from the generation of interest and fees on loans, interest and dividends on investment securities, fees from its retail banking operation, and investment management. The Bank's main sources of funds are deposits, principal and interest payments on loans and investments, advances from the FHLB and proceeds from loan sales. The Bank also provides access to insurance and investment products through its Financial Services Division. It faces significant competition in attracting deposits and loans. Its direct competition for deposits come from the several financial institutions and credit unions operating in its market area and, to a lesser extent, from other financial service companies such as brokerage firms and insurance companies. It also faces competition for depositors' funds from money market funds, mutual funds and other corporate and government securities. As a Massachusetts-chartered stock savings bank, Chicopee Savings Bank is subject to supervision, regulation and examination by the Massachusetts Commissioner of Banks and to various Massachusetts statutes and regulations which govern, among other things, investment powers, lending and deposit-taking activities, borrowings, maintenance of surplus and reserve accounts, distribution of earnings and payment of dividends.
» 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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