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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 0.17
CMSB's Cash to Debt is ranked higher than
52% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. CMSB: 0.17 )
CMSB' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.17

Equity to Asset 0.09
CMSB's Equity to Asset is ranked higher than
65% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 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 0.62
CMSB's Interest Coverage is ranked higher than
55% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. CMSB: 0.62 )
CMSB' s 10-Year Interest Coverage Range
Min: 0.04   Max: 0.62
Current: 0.62

0.04
0.62
F-Score: 5
Z-Score: 0.11
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 (%) 14.62
CMSB's Operating margin (%) is ranked higher than
55% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. CMSB: 14.62 )
CMSB' s 10-Year Operating margin (%) Range
Min: -927.49   Max: 14.62
Current: 14.62

-927.49
14.62
Net-margin (%) 9.87
CMSB's Net-margin (%) is ranked higher than
54% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. CMSB: 9.87 )
CMSB' s 10-Year Net-margin (%) Range
Min: -16.82   Max: 19.86
Current: 9.87

-16.82
19.86
ROE (%) 4.13
CMSB's ROE (%) is ranked higher than
57% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. CMSB: 4.13 )
CMSB' s 10-Year ROE (%) Range
Min: -3.95   Max: 16.09
Current: 4.13

-3.95
16.09
ROA (%) 0.36
CMSB's ROA (%) is ranked higher than
58% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. CMSB: 0.36 )
CMSB' s 10-Year ROA (%) Range
Min: -0.46   Max: 1.14
Current: 0.36

-0.46
1.14
ROC (Joel Greenblatt) (%) 50.73
CMSB's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. CMSB: 50.73 )
CMSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -570.55   Max: 50.73
Current: 50.73

-570.55
50.73
Revenue Growth (%) 2.30
CMSB's Revenue Growth (%) is ranked higher than
79% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CMSB: 2.30 )
CMSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 26.7
Current: 2.3

0
26.7
EBITDA Growth (%) 23.70
CMSB's EBITDA Growth (%) is ranked higher than
90% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. CMSB: 23.70 )
CMSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 23.7
Current: 23.7

0
23.7
EPS Growth (%) 73.20
CMSB's EPS Growth (%) is ranked higher than
97% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. CMSB: 73.20 )
CMSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 73.2
Current: 73.2

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

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Ratios

vs
industry
vs
history
P/E(ttm) 35.10
CMSB's P/E(ttm) is ranked higher than
53% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. CMSB: 35.10 )
CMSB' s 10-Year P/E(ttm) Range
Min: 15.05   Max: 116.28
Current: 35.1

15.05
116.28
P/B 0.90
CMSB's P/B is ranked higher than
81% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CMSB: 0.90 )
CMSB' s 10-Year P/B Range
Min: 0.55   Max: 0.94
Current: 0.9

0.55
0.94
P/S 2.20
CMSB's P/S is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. CMSB: 2.20 )
CMSB' s 10-Year P/S Range
Min: 1.23   Max: 15.42
Current: 2.2

1.23
15.42
PFCF 13.10
CMSB's PFCF is ranked higher than
72% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 109.09 vs. CMSB: 13.10 )
CMSB' s 10-Year PFCF Range
Min: 1.78   Max: 32.38
Current: 13.1

1.78
32.38
EV-to-EBIT 31.78
CMSB's EV-to-EBIT is ranked higher than
62% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. CMSB: 31.78 )
CMSB' s 10-Year EV-to-EBIT Range
Min: 18.9   Max: 776.9
Current: 31.78

18.9
776.9
Shiller P/E 422.30
CMSB's Shiller P/E is ranked higher than
59% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.55 vs. CMSB: 422.30 )
CMSB' s 10-Year Shiller P/E Range
Min: 313.67   Max: 422.3
Current: 422.3

313.67
422.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
CMSB's Price/Tangible Book is ranked higher than
86% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. CMSB: 0.90 )
CMSB' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 0.93
Current: 0.9

0.61
0.93
Price/DCF (Projected) 0.90
CMSB's Price/DCF (Projected) is ranked higher than
73% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. CMSB: 0.90 )
CMSB' s 10-Year Price/DCF (Projected) Range
Min: 0.73   Max: 1.87
Current: 0.9

0.73
1.87
Price/Median PS Value 1.20
CMSB's Price/Median PS Value is ranked higher than
65% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. CMSB: 1.20 )
CMSB' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 8.45
Current: 1.2

0.75
8.45
Price/Graham Number 1.20
CMSB's Price/Graham Number is ranked higher than
68% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CMSB: 1.20 )
CMSB' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 2.12
Current: 1.2

0.73
2.12
Earnings Yield (Greenblatt) 3.10
CMSB's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. CMSB: 3.10 )
CMSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.3
Current: 3.1

0.1
5.3
Forward Rate of Return (Yacktman) -2.43
CMSB's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. CMSB: -2.43 )
CMSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5   Max: -0.7
Current: -2.43

-5
-0.7

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
CMS Bancorp, Inc. is a Delaware corporation. It completed its initial public offering on April 3, 2007. Its subsidiary is Community Mutual Savings Bank (Community Mutual). The Company's business is conducted principally through the Bank. Community Mutual's principal business is accepting deposits from the general public and using those deposits to make residential loans, as well as, to a lesser extent, commercial real estate loans and consumer loans to individuals and small businesses primarily in Westchester County and the neighboring areas in New York State. Community Mutual also currently invests in short- and medium-term marketable securities and other liquid investments. Community Mutual's primary market area is Westchester County, New York, a northern suburb of New York City. Community Mutual faces intense competition in its market area both in making loans and attracting deposits. It is regulated, examined and supervised by the OTS.
» More Articles for CMSB

Headlines

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