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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.17
CMSB's Cash to Debt is ranked higher than
53% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 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
63% of the 2010 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
57% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 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: 0.17
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 (%) 11.56
CMSB's Operating margin (%) is ranked higher than
54% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. CMSB: 11.56 )
CMSB' s 10-Year Operating margin (%) Range
Min: -927.49   Max: 14.62
Current: 11.56

-927.49
14.62
Net-margin (%) 7.09
CMSB's Net-margin (%) is ranked higher than
53% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. CMSB: 7.09 )
CMSB' s 10-Year Net-margin (%) Range
Min: -16.82   Max: 19.86
Current: 7.09

-16.82
19.86
ROE (%) 2.86
CMSB's ROE (%) is ranked higher than
55% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. CMSB: 2.86 )
CMSB' s 10-Year ROE (%) Range
Min: -4.92   Max: 4.2
Current: 2.86

-4.92
4.2
ROA (%) 0.25
CMSB's ROA (%) is ranked higher than
55% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CMSB: 0.25 )
CMSB' s 10-Year ROA (%) Range
Min: -0.54   Max: 0.36
Current: 0.25

-0.54
0.36
ROC (Joel Greenblatt) (%) 39.73
CMSB's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. CMSB: 39.73 )
CMSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1141.11   Max: 48
Current: 39.73

-1141.11
48
Revenue Growth (3Y)(%) 2.30
CMSB's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CMSB: 2.30 )
CMSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 26.7
Current: 2.3

0
26.7
EBITDA Growth (3Y)(%) 23.70
CMSB's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. CMSB: 23.70 )
CMSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 23.7
Current: 23.7

0
23.7
EPS Growth (3Y)(%) 73.20
CMSB's EPS Growth (3Y)(%) is ranked higher than
97% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. CMSB: 73.20 )
CMSB' s 10-Year EPS Growth (3Y)(%) 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

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Ratios

vs
industry
vs
history
P/E(ttm) 38.10
CMSB's P/E(ttm) is ranked higher than
66% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. CMSB: 38.10 )
CMSB' s 10-Year P/E(ttm) Range
Min: 15.05   Max: 116.28
Current: 38.1

15.05
116.28
P/B 1.00
CMSB's P/B is ranked higher than
82% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. CMSB: 1.00 )
CMSB' s 10-Year P/B Range
Min: 0.55   Max: 1.01
Current: 1

0.55
1.01
P/S 2.40
CMSB's P/S is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. CMSB: 2.40 )
CMSB' s 10-Year P/S Range
Min: 1.23   Max: 15.42
Current: 2.4

1.23
15.42
PFCF 14.20
CMSB's PFCF is ranked higher than
81% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CMSB: 14.20 )
CMSB' s 10-Year PFCF Range
Min: 1.78   Max: 207.2
Current: 14.2

1.78
207.2
EV-to-EBIT 35.22
CMSB's EV-to-EBIT is ranked higher than
63% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. CMSB: 35.22 )
CMSB' s 10-Year EV-to-EBIT Range
Min: -228.2   Max: 776.9
Current: 35.22

-228.2
776.9
Shiller P/E 459.50
CMSB's Shiller P/E is ranked higher than
75% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CMSB: 459.50 )
CMSB' s 10-Year Shiller P/E Range
Min: 313.67   Max: 459.5
Current: 459.5

313.67
459.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
CMSB's Price/Tangible Book is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. CMSB: 1.00 )
CMSB' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 0.93
Current: 1

0.61
0.93
Price/DCF (Projected) 0.90
CMSB's Price/DCF (Projected) is ranked higher than
79% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. CMSB: 0.90 )
CMSB' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 2.18
Current: 0.9

0.74
2.18
Price/Median PS Value 1.30
CMSB's Price/Median PS Value is ranked higher than
69% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. CMSB: 1.30 )
CMSB' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 8.33
Current: 1.3

0.74
8.33
Price/Graham Number 1.30
CMSB's Price/Graham Number is ranked higher than
70% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. CMSB: 1.30 )
CMSB' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 2.12
Current: 1.3

0.73
2.12
Earnings Yield (Greenblatt) 2.80
CMSB's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. CMSB: 2.80 )
CMSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.3
Current: 2.8

0.1
5.3

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

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