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
94% of the 980 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.53 vs. CMSB: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
CMSB' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.17 Max: No Debt
Current: 0.09
Equity to Asset 0.09
CMSB's Equity to Asset is ranked lower than
64% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CMSB: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CMSB' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.09 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 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. CMSB: 0.46 )
Ranked among companies with meaningful Interest Coverage only.
CMSB' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.27 Max: 0.62
Current: 0.46
0.04
0.62
F-Score: 4
WACC vs ROIC
4.57%
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
88% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.01 vs. CMSB: 7.89 )
Ranked among companies with meaningful Operating margin (%) only.
CMSB' s 10-Year Operating margin (%) Range
Min: -927.49  Med: -8.58 Max: 14.62
Current: 7.89
-927.49
14.62
Net-margin (%) 5.40
CMSB's Net-margin (%) is ranked lower than
89% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.75 vs. CMSB: 5.40 )
Ranked among companies with meaningful Net-margin (%) only.
CMSB' s 10-Year Net-margin (%) Range
Min: -16.82  Med: 2.35 Max: 19.86
Current: 5.4
-16.82
19.86
ROE (%) 1.80
CMSB's ROE (%) is ranked lower than
87% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. CMSB: 1.80 )
Ranked among companies with meaningful ROE (%) only.
CMSB' s 10-Year ROE (%) Range
Min: -4.92  Med: 0.63 Max: 4.05
Current: 1.8
-4.92
4.05
ROA (%) 0.19
CMSB's ROA (%) is ranked lower than
87% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. CMSB: 0.19 )
Ranked among companies with meaningful ROA (%) only.
CMSB' s 10-Year ROA (%) Range
Min: -0.54  Med: 0.04 Max: 0.36
Current: 0.19
-0.54
0.36
ROC (Joel Greenblatt) (%) 28.53
CMSB's ROC (Joel Greenblatt) (%) is ranked lower than
76% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.67 vs. CMSB: 28.53 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CMSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1141.11  Med: -23.80 Max: 48
Current: 28.53
-1141.11
48
Revenue Growth (3Y)(%) 3.90
CMSB's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1186 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. CMSB: 3.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CMSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 3.90 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 1046 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. CMSB: 25.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CMSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 11.85 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 1055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. CMSB: 36.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CMSB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 14.00 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
95% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. CMSB: 52.60 )
Ranked among companies with meaningful P/E(ttm) only.
CMSB' s 10-Year P/E(ttm) Range
Min: 15.05  Med: 38.80 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 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. CMSB: 55.20 )
Ranked among companies with meaningful PE(NRI) only.
CMSB' s 10-Year PE(NRI) Range
Min: 14.91  Med: 40.25 Max: 111.11
Current: 55.2
14.91
111.11
P/B 1.02
CMSB's P/B is ranked higher than
56% of the 1359 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CMSB: 1.02 )
Ranked among companies with meaningful P/B only.
CMSB' s 10-Year P/B Range
Min: 0.53  Med: 0.73 Max: 1.02
Current: 1.02
0.53
1.02
P/S 2.44
CMSB's P/S is ranked higher than
63% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. CMSB: 2.44 )
Ranked among companies with meaningful P/S only.
CMSB' s 10-Year P/S Range
Min: 1.23  Med: 1.83 Max: 7.38
Current: 2.44
1.23
7.38
PFCF 24.54
CMSB's PFCF is ranked lower than
82% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.28 vs. CMSB: 24.54 )
Ranked among companies with meaningful PFCF only.
CMSB' s 10-Year PFCF Range
Min: 1.78  Med: 11.01 Max: 207.2
Current: 24.54
1.78
207.2
POCF 20.70
CMSB's POCF is ranked lower than
84% of the 923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. CMSB: 20.70 )
Ranked among companies with meaningful POCF only.
CMSB' s 10-Year POCF Range
Min: 1.77  Med: 13.51 Max: 266.25
Current: 20.7
1.77
266.25
EV-to-EBIT 65.51
CMSB's EV-to-EBIT is ranked lower than
95% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.91 vs. CMSB: 65.51 )
Ranked among companies with meaningful EV-to-EBIT only.
CMSB' s 10-Year EV-to-EBIT Range
Min: -228.2  Med: -39.50 Max: 776.9
Current: 65.51
-228.2
776.9
Shiller P/E 169.38
CMSB's Shiller P/E is ranked lower than
99% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.77 vs. CMSB: 169.38 )
Ranked among companies with meaningful Shiller P/E only.
CMSB' s 10-Year Shiller P/E Range
Min: 141.14  Med: 162.88 Max: 400
Current: 169.38
141.14
400
Days Sales Outstanding 38.05
CMSB's Days Sales Outstanding is ranked lower than
56% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.80 vs. CMSB: 38.05 )
Ranked among companies with meaningful Days Sales Outstanding only.
CMSB' s 10-Year Days Sales Outstanding Range
Min: 28.59  Med: 44.35 Max: 551.82
Current: 38.05
28.59
551.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
CMSB's Price/Tangible Book is ranked higher than
60% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. CMSB: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
CMSB' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 0.73 Max: 1
Current: 1.02
0.58
1
Price/Projected FCF 0.95
CMSB's Price/Projected FCF is ranked lower than
71% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. CMSB: 0.95 )
Ranked among companies with meaningful Price/Projected FCF only.
CMSB' s 10-Year Price/Projected FCF Range
Min: 0.74  Med: 0.91 Max: 2.02
Current: 0.95
0.74
2.02
Price/Median PS Value 1.34
CMSB's Price/Median PS Value is ranked lower than
77% of the 1195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. CMSB: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
CMSB' s 10-Year Price/Median PS Value Range
Min: 0.74  Med: 0.99 Max: 8.26
Current: 1.34
0.74
8.26
Price/Peter Lynch Fair Value 2.21
CMSB's Price/Peter Lynch Fair Value is ranked lower than
88% of the 336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. CMSB: 2.21 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CMSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.61  Med: 1.88 Max: 2.15
Current: 2.21
1.61
2.15
Price/Graham Number 1.48
CMSB's Price/Graham Number is ranked lower than
88% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. CMSB: 1.48 )
Ranked among companies with meaningful Price/Graham Number only.
CMSB' s 10-Year Price/Graham Number Range
Min: 0.73  Med: 1.30 Max: 2.12
Current: 1.48
0.73
2.12
Earnings Yield (Greenblatt) (%) 1.50
CMSB's Earnings Yield (Greenblatt) (%) is ranked lower than
86% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. CMSB: 1.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CMSB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 1.60 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
87% of the 764 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.55 vs. CMSB: 42.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CMSB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -10.1  Med: -0.40 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 NAS: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
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
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
CMS BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Sep 25 2014
CMS BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 08 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