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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 : 2/10

vs
industry
vs
history
Cash to Debt 0.87
COBK's Cash to Debt is ranked higher than
72% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. COBK: 0.87 )
COBK' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 0.87

Equity to Asset 0.11
COBK's Equity to Asset is ranked higher than
75% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. COBK: 0.11 )
COBK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.11

0.06
0.12
F-Score: 5
Z-Score: 0.19
WACC vs ROIC
2.84%
1.83%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 6.79
COBK's Operating margin (%) is ranked higher than
53% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. COBK: 6.79 )
COBK' s 10-Year Operating margin (%) Range
Min: -338.28   Max: 29.83
Current: 6.79

-338.28
29.83
Net-margin (%) 6.63
COBK's Net-margin (%) is ranked higher than
53% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.13 vs. COBK: 6.63 )
COBK' s 10-Year Net-margin (%) Range
Min: -10.71   Max: 97.01
Current: 6.63

-10.71
97.01
ROE (%) 1.66
COBK's ROE (%) is ranked higher than
53% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. COBK: 1.66 )
COBK' s 10-Year ROE (%) Range
Min: -2.87   Max: 12.13
Current: 1.66

-2.87
12.13
ROA (%) 0.18
COBK's ROA (%) is ranked higher than
53% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. COBK: 0.18 )
COBK' s 10-Year ROA (%) Range
Min: -0.3   Max: 0.7
Current: 0.18

-0.3
0.7
ROC (Joel Greenblatt) (%) 12.26
COBK's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.54 vs. COBK: 12.26 )
COBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.22   Max: 49.84
Current: 12.26

-43.22
49.84
Revenue Growth (3Y)(%) -0.60
COBK's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1760 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. COBK: -0.60 )
COBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 40.4
Current: -0.6

0
40.4
» COBK's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with COBK

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Ratios

vs
industry
vs
history
P/E(ttm) 50.90
COBK's P/E(ttm) is ranked higher than
62% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. COBK: 50.90 )
COBK' s 10-Year P/E(ttm) Range
Min: 10.21   Max: 641.43
Current: 50.9

10.21
641.43
Forward P/E 13.11
COBK's Forward P/E is ranked higher than
77% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.73 vs. COBK: 13.11 )
N/A
PE(NRI) 51.50
COBK's PE(NRI) is ranked higher than
65% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. COBK: 51.50 )
COBK' s 10-Year PE(NRI) Range
Min: 10.16   Max: 673.5
Current: 51.5

10.16
673.5
P/B 0.90
COBK's P/B is ranked higher than
86% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. COBK: 0.90 )
COBK' s 10-Year P/B Range
Min: 0.57   Max: 1.83
Current: 0.9

0.57
1.83
P/S 3.40
COBK's P/S is ranked higher than
67% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. COBK: 3.40 )
COBK' s 10-Year P/S Range
Min: 1.77   Max: 19.91
Current: 3.4

1.77
19.91
PFCF 9.10
COBK's PFCF is ranked higher than
88% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBK: 9.10 )
COBK' s 10-Year PFCF Range
Min: 5.89   Max: 929
Current: 9.1

5.89
929
POCF 8.91
COBK's POCF is ranked higher than
86% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 41.60 vs. COBK: 8.91 )
COBK' s 10-Year POCF Range
Min: 5.75   Max: 101.36
Current: 8.91

5.75
101.36
EV-to-EBIT 52.52
COBK's EV-to-EBIT is ranked higher than
61% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.72 vs. COBK: 52.52 )
COBK' s 10-Year EV-to-EBIT Range
Min: -161.1   Max: 112.8
Current: 52.52

-161.1
112.8
Shiller P/E 54.00
COBK's Shiller P/E is ranked higher than
73% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBK: 54.00 )
COBK' s 10-Year Shiller P/E Range
Min: 21.44   Max: 57.04
Current: 54

21.44
57.04
Days Sales Outstanding 32.72
COBK's Days Sales Outstanding is ranked higher than
87% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBK: 32.72 )
COBK' s 10-Year Days Sales Outstanding Range
Min: 32.78   Max: 124.95
Current: 32.72

32.78
124.95

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
COBK's Price/Tangible Book is ranked higher than
89% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. COBK: 0.90 )
COBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.74
Current: 0.9

0.58
1.74
Price/DCF (Projected) 0.60
COBK's Price/DCF (Projected) is ranked higher than
88% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBK: 0.60 )
COBK' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 1.43
Current: 0.6

0.49
1.43
Price/Median PS Value 1.20
COBK's Price/Median PS Value is ranked higher than
76% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. COBK: 1.20 )
COBK' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 6.52
Current: 1.2

0.74
6.52
Price/Peter Lynch Fair Value 60.40
COBK's Price/Peter Lynch Fair Value is ranked higher than
71% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBK: 60.40 )
COBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 58.57
Current: 60.4

0.41
58.57
Price/Graham Number 1.40
COBK's Price/Graham Number is ranked higher than
67% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. COBK: 1.40 )
COBK' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 3.55
Current: 1.4

0.53
3.55
Earnings Yield (Greenblatt) 1.90
COBK's Earnings Yield (Greenblatt) is ranked higher than
52% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. COBK: 1.90 )
COBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 552.4
Current: 1.9

0.9
552.4
Forward Rate of Return (Yacktman) 16.13
COBK's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. COBK: 16.13 )
COBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.2   Max: 53.5
Current: 16.13

-5.2
53.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Colonial Financial Services, Inc., is a Maryland corporation that was incorporated in March 2010 to serve as the successor corporation to Colonial Bankshares, Inc., the former stock holding company for Colonial Bank, FSB. Colonial Bank, FSB is a federally chartered savings bank headquartered in Vineland, New Jersey. Its business activity is the origination of one- to four-family residential and commercial real estate loans. It also offers home equity loans and lines of credit, commercial business loans and construction and land loans, and, to a lesser extent, multi-family real estate loans and consumer loans. It also invests in mortgage-backed securities and other investment securities. The Company offers a variety of deposit accounts, including demand accounts, NOW accounts, money market accounts, savings accounts and certificates of deposit. It conducts its operations from its main office in Vineland, New Jersey and eight full-service branch offices located in Cumberland and Gloucester counties in New Jersey. Its lending activities are one- to four-family residential real estate loans, home equity loans and lines of credit, commercial real estate loans, commercial business loans, construction loans, consumer loans and multi-family mortgage loans. The Company competes with commercial banks, savings banks, mortgage banking companies, credit unions, mutual fund industry, securities and brokerage firms and insurance companies.
» More Articles for COBK

Headlines

Articles On GuruFocus.com
Colonial Bankshares Inc. Reports Operating Results (10-Q) May 17 2010 
Colonial Bankshares Inc. Reports Operating Results (10-Q) Nov 13 2009 
Colonial Bankshares Inc. Reports Operating Results (10-Q) Aug 13 2009 
Colonial Bankshares Inc. Reports Operating Results (10-Q) May 15 2009 
Martin Whitman buys Alliance Data Systems Corp., MGIC Investment Corp., adds to Radian Group Inc., M Dec 30 2007 

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