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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 0.72
COBK's Cash to Debt is ranked higher than
71% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. COBK: 0.72 )
COBK' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 0.72

Equity to Asset 0.12
COBK's Equity to Asset is ranked higher than
85% of the 1762 Companies
in the Global Banks - Regional - US industry.

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

0.06
0.12
F-Score: 4
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 (%) -10.79
COBK's Operating margin (%) is ranked lower than
51% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. COBK: -10.79 )
COBK' s 10-Year Operating margin (%) Range
Min: -338.28   Max: 29.83
Current: -10.79

-338.28
29.83
Net-margin (%) -4.76
COBK's Net-margin (%) is ranked higher than
50% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. COBK: -4.76 )
COBK' s 10-Year Net-margin (%) Range
Min: -10.71   Max: 97.01
Current: -4.76

-10.71
97.01
ROE (%) -1.23
COBK's ROE (%) is ranked higher than
51% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. COBK: -1.23 )
COBK' s 10-Year ROE (%) Range
Min: -2.87   Max: 12.13
Current: -1.23

-2.87
12.13
ROA (%) -0.13
COBK's ROA (%) is ranked higher than
50% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. COBK: -0.13 )
COBK' s 10-Year ROA (%) Range
Min: -0.3   Max: 0.7
Current: -0.13

-0.3
0.7
ROC (Joel Greenblatt) (%) -12.74
COBK's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. COBK: -12.74 )
COBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.22   Max: 49.84
Current: -12.74

-43.22
49.84
Revenue Growth (%) -0.60
COBK's Revenue Growth (%) is ranked higher than
71% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. COBK: -0.60 )
COBK' s 10-Year Revenue Growth (%) 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

Guru Trades

COBK Guru Trades in

Q2 2012

COBK Guru Trades in Q2 2012

First Pacific Advisors 30,302 sh (+12421.5%)
Martin Whitman Sold Out
» More
Q3 2012

COBK Guru Trades in Q3 2012

First Pacific Advisors 29,137 sh (-3.84%)
» More
Q4 2012

COBK Guru Trades in Q4 2012

First Pacific Advisors Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with COBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Martin Whitman 2012-04-30 Sold Out 0.02%$11.85 - $13.06 $ 12.954%0
Third Avenue Management 2012-03-31 Sold Out 0.02%$11.85 - $12.55 $ 12.9516%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 0.80
COBK's P/B is ranked higher than
87% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. COBK: 0.80 )
COBK' s 10-Year P/B Range
Min: 0.57   Max: 1.83
Current: 0.8

0.57
1.83
P/S 3.00
COBK's P/S is ranked higher than
73% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. COBK: 3.00 )
COBK' s 10-Year P/S Range
Min: 1.77   Max: 19.91
Current: 3

1.77
19.91
PFCF 6.90
COBK's PFCF is ranked higher than
91% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. COBK: 6.90 )
COBK' s 10-Year PFCF Range
Min: 5.89   Max: 929
Current: 6.9

5.89
929
EV-to-EBIT -30.77
COBK's EV-to-EBIT is ranked lower than
51% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. COBK: -30.77 )
COBK' s 10-Year EV-to-EBIT Range
Min: -161.1   Max: 112.8
Current: -30.77

-161.1
112.8
Shiller P/E 46.60
COBK's Shiller P/E is ranked higher than
73% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.85 vs. COBK: 46.60 )
COBK' s 10-Year Shiller P/E Range
Min: 21.44   Max: 57.04
Current: 46.6

21.44
57.04

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
COBK's Price/Tangible Book is ranked higher than
89% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. COBK: 0.80 )
COBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.74
Current: 0.8

0.58
1.74
Price/DCF (Projected) 0.60
COBK's Price/DCF (Projected) is ranked higher than
85% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 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 1.10
COBK's Price/Median PS Value is ranked higher than
76% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. COBK: 1.10 )
COBK' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 6.61
Current: 1.1

0.75
6.61
Earnings Yield (Greenblatt) -3.20
COBK's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. COBK: -3.20 )
COBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: -3.2   Max: 552.4
Current: -3.2

-3.2
552.4
Forward Rate of Return (Yacktman) 4.27
COBK's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. COBK: 4.27 )
COBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.4   Max: 44.3
Current: 4.27

-0.4
44.3

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 as the successor corporation to Colonial Bankshares, Inc., the former stock holding company for Colonial Bank, FSB, upon completion of the mutual-to-stock conversion of Colonial Bankshares, MHC, and the former mutual holding company for Colonial Bank, FSB. The Company operates as the holding company for Colonial Bank, FSB that provides various banking products and services. Its main 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. It offers a variety of deposit accounts, including demand accounts, NOW accounts, money market accounts, savings accounts and certificates of deposit. Deposits are its main source of funds for its lending and investing activities. It has also used borrowed funds as a source of funds, and it borrows mainly from the Federal Home Loan Bank of New York. Its competition for loans comes mainly from commercial banks, savings banks, mortgage banking companies and credit unions. Its direct competition for deposits has historically come from commercial banks, savings banks and credit unions. It faces additional competition for deposits from non-depository competitors such as the 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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