Switch to:

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 : 7/10

vs
industry
vs
history
Cash to Debt 0.09
CMSB's Cash to Debt is ranked lower than
93% of the 974 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. CMSB: 0.09 )
CMSB' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.09

Equity to Asset 0.09
CMSB's Equity to Asset is ranked lower than
64% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CMSB: 0.09 )
CMSB' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.17
Current: 0.09

0.05
0.17
Interest Coverage 0.46
CMSB's Interest Coverage is ranked lower than
82% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. CMSB: 0.46 )
CMSB' s 10-Year Interest Coverage Range
Min: 0.04   Max: 0.62
Current: 0.46

0.04
0.62
F-Score: 4
Z-Score: 0.17
WACC vs ROIC
4.52%
1.28%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 7.89
CMSB's Operating margin (%) is ranked lower than
87% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. CMSB: 7.89 )
CMSB' s 10-Year Operating margin (%) Range
Min: -927.49   Max: 14.62
Current: 7.89

-927.49
14.62
Net-margin (%) 5.40
CMSB's Net-margin (%) is ranked lower than
88% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. CMSB: 5.40 )
CMSB' s 10-Year Net-margin (%) Range
Min: -16.82   Max: 19.86
Current: 5.4

-16.82
19.86
ROE (%) 2.18
CMSB's ROE (%) is ranked lower than
86% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. CMSB: 2.18 )
CMSB' s 10-Year ROE (%) Range
Min: -4.92   Max: 4.2
Current: 2.18

-4.92
4.2
ROA (%) 0.19
CMSB's ROA (%) is ranked lower than
87% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. CMSB: 0.19 )
CMSB' s 10-Year ROA (%) Range
Min: -0.54   Max: 0.36
Current: 0.19

-0.54
0.36
ROC (Joel Greenblatt) (%) 28.53
CMSB's ROC (Joel Greenblatt) (%) is ranked lower than
75% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. CMSB: 28.53 )
CMSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1141.11   Max: 48
Current: 28.53

-1141.11
48
Revenue Growth (3Y)(%) 3.90
CMSB's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. CMSB: 3.90 )
CMSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 26.7
Current: 3.9

0
26.7
EBITDA Growth (3Y)(%) 25.50
CMSB's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. CMSB: 25.50 )
CMSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 25.5
Current: 25.5

0
25.5
EPS Growth (3Y)(%) 36.40
CMSB's EPS Growth (3Y)(%) is ranked higher than
87% of the 1000 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. CMSB: 36.40 )
CMSB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 73.2
Current: 36.4

0
73.2
» CMSB's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with CMSB

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

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 52.60
CMSB's P/E(ttm) is ranked lower than
110% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CMSB: 52.60 )
CMSB' s 10-Year P/E(ttm) Range
Min: 15.05   Max: 116.28
Current: 52.6

15.05
116.28
PE(NRI) 55.20
CMSB's PE(NRI) is ranked lower than
95% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. CMSB: 55.20 )
CMSB' s 10-Year PE(NRI) Range
Min: 14.91   Max: 111.11
Current: 55.2

14.91
111.11
P/B 1.02
CMSB's P/B is ranked lower than
53% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CMSB: 1.02 )
CMSB' s 10-Year P/B Range
Min: 0.55   Max: 1.02
Current: 1.02

0.55
1.02
P/S 2.44
CMSB's P/S is ranked higher than
52% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CMSB: 2.44 )
CMSB' s 10-Year P/S Range
Min: 1.23   Max: 7.38
Current: 2.44

1.23
7.38
PFCF 24.54
CMSB's PFCF is ranked lower than
106% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. CMSB: 24.54 )
CMSB' s 10-Year PFCF Range
Min: 1.78   Max: 207.2
Current: 24.54

1.78
207.2
POCF 20.70
CMSB's POCF is ranked lower than
85% of the 958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. CMSB: 20.70 )
CMSB' s 10-Year POCF Range
Min: 1.77   Max: 266.25
Current: 20.7

1.77
266.25
EV-to-EBIT 65.51
CMSB's EV-to-EBIT is ranked lower than
94% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.37 vs. CMSB: 65.51 )
CMSB' s 10-Year EV-to-EBIT Range
Min: -228.2   Max: 776.9
Current: 65.51

-228.2
776.9
Shiller P/E 167.31
CMSB's Shiller P/E is ranked lower than
134% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. CMSB: 167.31 )
CMSB' s 10-Year Shiller P/E Range
Min: 141.14   Max: 400
Current: 167.31

141.14
400
Days Sales Outstanding 38.05
CMSB's Days Sales Outstanding is ranked lower than
55% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.65 vs. CMSB: 38.05 )
CMSB' s 10-Year Days Sales Outstanding Range
Min: 28.59   Max: 551.82
Current: 38.05

28.59
551.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
CMSB's Price/Tangible Book is ranked higher than
59% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CMSB: 1.00 )
CMSB' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 1
Current: 1

0.61
1
Price/DCF (Projected) 0.90
CMSB's Price/DCF (Projected) is ranked lower than
81% of the 778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. CMSB: 0.90 )
CMSB' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 2.02
Current: 0.9

0.74
2.02
Price/Median PS Value 1.30
CMSB's Price/Median PS Value is ranked lower than
87% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CMSB: 1.30 )
CMSB' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 8.26
Current: 1.3

0.74
8.26
Price/Peter Lynch Fair Value 2.20
CMSB's Price/Peter Lynch Fair Value is ranked lower than
107% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. CMSB: 2.20 )
CMSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.61   Max: 2.15
Current: 2.2

1.61
2.15
Price/Graham Number 1.50
CMSB's Price/Graham Number is ranked lower than
106% of the 1193 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CMSB: 1.50 )
CMSB' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 2.12
Current: 1.5

0.73
2.12
Earnings Yield (Greenblatt) 1.50
CMSB's Earnings Yield (Greenblatt) is ranked lower than
95% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. CMSB: 1.50 )
CMSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.3
Current: 1.5

0.1
5.3
Forward Rate of Return (Yacktman) 42.01
CMSB's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. CMSB: 42.01 )
CMSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.1   Max: 43.5
Current: 42.01

-10.1
43.5

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
CMS Bancorp, Inc. is a Delaware corporation formed in 2007. CMS Bank, a New York state-chartered savings bank, is a wholly-owned subsidiary of CMS Bancorp. CMS Bancorp is regulated by the Board of Governors of the Federal Reserve System (Federal Reserve) as a savings and loan holding company. The Company's business is to operate CMS, which conducts its operations mainly through its corporate administrative office in White Plains, New York and five retail banking offices located in Westchester County, New York. CMS's deposits are insured by the FDIC up to the applicable legal limits under the Deposit Insurance Fund. Its business is accepting deposits from the general public and using those deposits to make residential loans, as well as commercial real estate loans and loans to individuals and small businesses primarily in Westchester County and the neighboring areas in New York State. It also uses funds from deposits to invest in short- and medium-term marketable securities and other liquid investments. It faces intense competition in its market area both in making loans and attracting deposits. New York has a high concentration of financial institutions, many of which are branches of large money center and regional banks that have resulted from the consolidation of the banking industry in New York and surrounding states.
» More Articles for CMSB

Headlines

Articles On GuruFocus.com
CMS Bancorp Inc. (CMSB) CFO Stephen Dowd buys 1,000 Shares Mar 03 2010 
Highmark Medicare Services Awarded New Contract from Centers for Medicare & Medicaid Services Jan 09 2009 

More From Other Websites
PUTNAM COUNTY SAVINGS BANK Financials May 01 2015
Nasdaq stocks posting largest volume decreases Apr 29 2015
Putnam County Savings Bank Announces Completion of Merger With CMS Bancorp Inc. Apr 28 2015
CMS BANCORP, INC. Files SEC form 8-K, Other Events Apr 09 2015
Putnam County Savings Bank and CMS Bancorp, Inc. Announce Expected Closing Date for Pending Merger Apr 07 2015
Putnam County Savings Bank and CMS Bancorp, Inc. Announce Expected Closing Date for Pending Merger Apr 07 2015
CMS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Feb 13 2015
CMS BANCORP, INC. Files SEC form 10-Q, Quarterly Report Feb 12 2015
CMS BANCORP, INC. Files SEC form 8-K, Other Events Jan 20 2015
CMS BANCORP, INC. Files SEC form 8-K, Other Events Jan 16 2015
CMS BANCORP, INC. Files SEC form 8-K, Other Events Jan 13 2015
CMS BANCORP, INC. Files SEC form 10-K, Annual Report Dec 22 2014
INVESTOR ALERT: Levi & Korsinsky, LLP Launches Investigation of the Board of Directors of CMS... Oct 20 2014
SHAREHOLDER ALERT: Brower Piven Launches An Investigation Into The Proposed Sale Of CMS Bancorp,... Oct 15 2014
CMS BANCORP SHAREHOLDER ALERT: Former SEC Attorney Willie Briscoe and Powers Taylor LLP Investigate... Oct 14 2014
SHAREHOLDER ALERT: Brower Piven Launches An Investigation Into The Proposed Sale Of CMS Bancorp,... Oct 13 2014
INVESTOR ALERT: Levi & Korsinsky, LLP Launches Investigation of the Board of Directors of CMS... Oct 13 2014
EQUITY ALERT: Rosen Law Firm Announces Investigation of CMS Bancorp, Inc. Concerning its Proposed... Oct 08 2014
CMS BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... Oct 07 2014
CMS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Sep 29 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK