Switch to:

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 : 3/10

vs
industry
vs
history
Cash to Debt 1.07
COBK's Cash to Debt is ranked higher than
74% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. COBK: 1.07 )
COBK' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 1.07

Equity to Asset 0.10
COBK's Equity to Asset is ranked higher than
65% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. COBK: 0.10 )
COBK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.1

0.06
0.12
F-Score: 4
Z-Score: 0.09
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 (%) -17.23
COBK's Operating margin (%) is ranked lower than
55% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. COBK: -17.23 )
COBK' s 10-Year Operating margin (%) Range
Min: -17.23   Max: 29.83
Current: -17.23

-17.23
29.83
Net-margin (%) -9.81
COBK's Net-margin (%) is ranked lower than
56% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. COBK: -9.81 )
COBK' s 10-Year Net-margin (%) Range
Min: -9.81   Max: 21.5
Current: -9.81

-9.81
21.5
ROE (%) -2.57
COBK's ROE (%) is ranked lower than
56% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. COBK: -2.57 )
COBK' s 10-Year ROE (%) Range
Min: -2.57   Max: 10.96
Current: -2.57

-2.57
10.96
ROA (%) -0.28
COBK's ROA (%) is ranked lower than
56% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. COBK: -0.28 )
COBK' s 10-Year ROA (%) Range
Min: -0.28   Max: 0.66
Current: -0.28

-0.28
0.66
ROC (Joel Greenblatt) (%) -37.47
COBK's ROC (Joel Greenblatt) (%) is ranked lower than
55% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. COBK: -37.47 )
COBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -37.47   Max: 50.87
Current: -37.47

-37.47
50.87
Revenue Growth (%) 10.00
COBK's Revenue Growth (%) is ranked higher than
90% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. COBK: 10.00 )
COBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 40.4
Current: 10

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

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 $ 11.31-10%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 0.70
COBK's P/B is ranked higher than
86% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. COBK: 0.70 )
COBK' s 10-Year P/B Range
Min: 0.57   Max: 1.83
Current: 0.7

0.57
1.83
P/S 2.50
COBK's P/S is ranked higher than
63% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. COBK: 2.50 )
COBK' s 10-Year P/S Range
Min: 1.77   Max: 19.91
Current: 2.5

1.77
19.91
PFCF 17.10
COBK's PFCF is ranked lower than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. COBK: 17.10 )
COBK' s 10-Year PFCF Range
Min: 5.89   Max: 113.64
Current: 17.1

5.89
113.64
EV-to-EBIT 111.10
COBK's EV-to-EBIT is ranked lower than
75% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. COBK: 111.10 )
COBK' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 112.8
Current: 111.1

0.2
112.8
PEG 7.20
COBK's PEG is ranked lower than
64% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. COBK: 7.20 )
COBK' s 10-Year PEG Range
Min: 0.27   Max: 65.26
Current: 7.2

0.27
65.26
Shiller P/E 43.60
COBK's Shiller P/E is ranked lower than
67% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. COBK: 43.60 )
COBK' s 10-Year Shiller P/E Range
Min: 21.44   Max: 57.04
Current: 43.6

21.44
57.04

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
COBK's Price/Tangible Book is ranked higher than
90% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. COBK: 0.70 )
COBK' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.74
Current: 0.7

0.58
1.74
Price/DCF (Projected) 0.50
COBK's Price/DCF (Projected) is ranked higher than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. COBK: 0.50 )
COBK' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 0.93
Current: 0.5

0.6
0.93
Price/Median PS Value 0.90
COBK's Price/Median PS Value is ranked higher than
81% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. COBK: 0.90 )
COBK' s 10-Year Price/Median PS Value Range
Min: 0.76   Max: 6.73
Current: 0.9

0.76
6.73
Earnings Yield (Greenblatt) 0.90
COBK's Earnings Yield (Greenblatt) is ranked lower than
64% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. COBK: 0.90 )
COBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 552.4
Current: 0.9

0.9
552.4
Forward Rate of Return (Yacktman) 3.96
COBK's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. COBK: 3.96 )
COBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.4   Max: 46.4
Current: 3.96

-0.4
46.4

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.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide