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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 : 4/10

vs
industry
vs
history
Cash to Debt No Debt
COBK's Cash to Debt is ranked higher than
99% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. COBK: No Debt )
Ranked among companies with meaningful Cash to Debt only.
COBK' s 10-Year Cash to Debt Range
Min: 0.38  Med: 1.68 Max: No Debt
Current: No Debt
Equity to Asset 0.12
COBK's Equity to Asset is ranked higher than
68% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. COBK: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
COBK' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.10 Max: 0.12
Current: 0.12
0.06
0.12
Interest Coverage 0.46
COBK's Interest Coverage is ranked lower than
82% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. COBK: 0.46 )
Ranked among companies with meaningful Interest Coverage only.
COBK' s 10-Year Interest Coverage Range
Min: 0.05  Med: 0.34 Max: 0.63
Current: 0.46
0.05
0.63
F-Score: 5
WACC vs ROIC
2.28%
1.00%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 7.94
COBK's Operating margin (%) is ranked lower than
88% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. COBK: 7.94 )
Ranked among companies with meaningful Operating margin (%) only.
COBK' s 10-Year Operating margin (%) Range
Min: -338.28  Med: 12.99 Max: 29.83
Current: 7.94
-338.28
29.83
Net-margin (%) 3.52
COBK's Net-margin (%) is ranked lower than
90% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. COBK: 3.52 )
Ranked among companies with meaningful Net-margin (%) only.
COBK' s 10-Year Net-margin (%) Range
Min: -10.71  Med: 17.24 Max: 97.01
Current: 3.52
-10.71
97.01
ROE (%) 0.86
COBK's ROE (%) is ranked lower than
89% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. COBK: 0.86 )
Ranked among companies with meaningful ROE (%) only.
COBK' s 10-Year ROE (%) Range
Min: -2.87  Med: 3.91 Max: 12.13
Current: 0.86
-2.87
12.13
ROA (%) 0.10
COBK's ROA (%) is ranked lower than
89% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. COBK: 0.10 )
Ranked among companies with meaningful ROA (%) only.
COBK' s 10-Year ROA (%) Range
Min: -0.3  Med: 0.37 Max: 0.7
Current: 0.1
-0.3
0.7
ROC (Joel Greenblatt) (%) 14.33
COBK's ROC (Joel Greenblatt) (%) is ranked lower than
83% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. COBK: 14.33 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
COBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.22  Med: 15.97 Max: 49.84
Current: 14.33
-43.22
49.84
Revenue Growth (3Y)(%) -4.90
COBK's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. COBK: -4.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
COBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.70 Max: 40.4
Current: -4.9
0
40.4
EBITDA Growth (3Y)(%) -29.10
COBK's EBITDA Growth (3Y)(%) is ranked lower than
93% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. COBK: -29.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
COBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -7.60 Max: 71.4
Current: -29.1
0
71.4
EPS Growth (3Y)(%) -44.70
COBK's EPS Growth (3Y)(%) is ranked lower than
95% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. COBK: -44.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
COBK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -22.80 Max: 49.6
Current: -44.7
0
49.6
» COBK'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) 100.70
COBK's P/E(ttm) is ranked lower than
98% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. COBK: 100.70 )
Ranked among companies with meaningful P/E(ttm) only.
COBK' s 10-Year P/E(ttm) Range
Min: 10.21  Med: 32.43 Max: 641.43
Current: 100.7
10.21
641.43
Forward P/E 13.11
COBK's Forward P/E is ranked lower than
60% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. COBK: 13.11 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 102.10
COBK's PE(NRI) is ranked lower than
98% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. COBK: 102.10 )
Ranked among companies with meaningful PE(NRI) only.
COBK' s 10-Year PE(NRI) Range
Min: 10.16  Med: 32.59 Max: 673.5
Current: 102.1
10.16
673.5
P/B 0.86
COBK's P/B is ranked higher than
69% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. COBK: 0.86 )
Ranked among companies with meaningful P/B only.
COBK' s 10-Year P/B Range
Min: 0.57  Med: 0.81 Max: 1.83
Current: 0.86
0.57
1.83
P/S 3.53
COBK's P/S is ranked lower than
62% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. COBK: 3.53 )
Ranked among companies with meaningful P/S only.
COBK' s 10-Year P/S Range
Min: 1.77  Med: 2.89 Max: 10.62
Current: 3.53
1.77
10.62
PFCF 75.26
COBK's PFCF is ranked lower than
96% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. COBK: 75.26 )
Ranked among companies with meaningful PFCF only.
COBK' s 10-Year PFCF Range
Min: 5.89  Med: 12.49 Max: 929
Current: 75.26
5.89
929
POCF 65.00
COBK's POCF is ranked lower than
96% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. COBK: 65.00 )
Ranked among companies with meaningful POCF only.
COBK' s 10-Year POCF Range
Min: 5.75  Med: 14.52 Max: 85.53
Current: 65
5.75
85.53
EV-to-EBIT 31.99
COBK's EV-to-EBIT is ranked lower than
85% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. COBK: 31.99 )
Ranked among companies with meaningful EV-to-EBIT only.
COBK' s 10-Year EV-to-EBIT Range
Min: -161.1  Med: 14.15 Max: 93.1
Current: 31.99
-161.1
93.1
Shiller P/E 58.94
COBK's Shiller P/E is ranked lower than
94% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. COBK: 58.94 )
Ranked among companies with meaningful Shiller P/E only.
COBK' s 10-Year Shiller P/E Range
Min: 20.51  Med: 28.24 Max: 59.58
Current: 58.94
20.51
59.58
Days Sales Outstanding 32.27
COBK's Days Sales Outstanding is ranked higher than
53% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. COBK: 32.27 )
Ranked among companies with meaningful Days Sales Outstanding only.
COBK' s 10-Year Days Sales Outstanding Range
Min: 32.27  Med: 49.21 Max: 124.95
Current: 32.27
32.27
124.95

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.86
COBK's Price/Tangible Book is ranked higher than
72% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. COBK: 0.86 )
Ranked among companies with meaningful Price/Tangible Book only.
COBK' s 10-Year Price/Tangible Book Range
Min: 0.69  Med: 0.84 Max: 1.73
Current: 0.86
0.69
1.73
Price/Projected FCF 0.64
COBK's Price/Projected FCF is ranked higher than
55% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. COBK: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
COBK' s 10-Year Price/Projected FCF Range
Min: 0.6  Med: 0.70 Max: 1.11
Current: 0.64
0.6
1.11
Price/Median PS Value 1.22
COBK's Price/Median PS Value is ranked lower than
67% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. COBK: 1.22 )
Ranked among companies with meaningful Price/Median PS Value only.
COBK' s 10-Year Price/Median PS Value Range
Min: 0.74  Med: 0.99 Max: 2.77
Current: 1.22
0.74
2.77
Price/Peter Lynch Fair Value 62.17
COBK's Price/Peter Lynch Fair Value is ranked lower than
630% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. COBK: 62.17 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
COBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5  Med: 0.55 Max: 0.6
Current: 62.17
0.5
0.6
Price/Graham Number 1.99
COBK's Price/Graham Number is ranked lower than
95% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. COBK: 1.99 )
Ranked among companies with meaningful Price/Graham Number only.
COBK' s 10-Year Price/Graham Number Range
Min: 0.66  Med: 1.13 Max: 1.87
Current: 1.99
0.66
1.87
Earnings Yield (Greenblatt) (%) 3.10
COBK's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. COBK: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
COBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 3.70 Max: 552.4
Current: 3.1
1.1
552.4
Forward Rate of Return (Yacktman) (%) 15.99
COBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. COBK: 15.99 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
COBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.2  Med: 14.20 Max: 53.5
Current: 15.99
-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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