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 : 5/10

vs
industry
vs
history
Cash to Debt 0.10
CSBK's Cash to Debt is ranked lower than
94% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. CSBK: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
CSBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.45 Max: No Debt
Current: 0.1
Equity to Asset 0.23
CSBK's Equity to Asset is ranked higher than
93% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CSBK: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
CSBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.15  Med: 0.19 Max: 0.31
Current: 0.23
0.15
0.31
Interest Coverage 0.62
CSBK's Interest Coverage is ranked lower than
76% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. CSBK: 0.62 )
Ranked among companies with meaningful Interest Coverage only.
CSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.73 Max: 1.4
Current: 0.62
0.12
1.4
F-Score: 4
M-Score: -2.78
WACC vs ROIC
3.90%
0.91%
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 (%) 21.83
CSBK's Operating margin (%) is ranked lower than
71% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. CSBK: 21.83 )
Ranked among companies with meaningful Operating margin (%) only.
CSBK' s Operating margin (%) Range Over the Past 10 Years
Min: 19.76  Med: 39.51 Max: 49.59
Current: 21.83
19.76
49.59
Net-margin (%) 15.34
CSBK's Net-margin (%) is ranked lower than
72% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. CSBK: 15.34 )
Ranked among companies with meaningful Net-margin (%) only.
CSBK' s Net-margin (%) Range Over the Past 10 Years
Min: 15.17  Med: 26.47 Max: 31.92
Current: 15.34
15.17
31.92
ROE (%) 1.39
CSBK's ROE (%) is ranked lower than
88% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. CSBK: 1.39 )
Ranked among companies with meaningful ROE (%) only.
CSBK' s ROE (%) Range Over the Past 10 Years
Min: 1.29  Med: 3.22 Max: 4.95
Current: 1.39
1.29
4.95
ROA (%) 0.36
CSBK's ROA (%) is ranked lower than
78% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. CSBK: 0.36 )
Ranked among companies with meaningful ROA (%) only.
CSBK' s ROA (%) Range Over the Past 10 Years
Min: 0.28  Med: 0.6 Max: 0.8
Current: 0.36
0.28
0.8
Revenue Growth (3Y)(%) 5.40
CSBK's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. CSBK: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.4 Max: 23.9
Current: 5.4
0
23.9
EBITDA Growth (3Y)(%) -4.50
CSBK's EBITDA Growth (3Y)(%) is ranked lower than
77% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. CSBK: -4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.5 Max: 61.9
Current: -4.5
0
61.9
EPS Growth (3Y)(%) -5.40
CSBK's EPS Growth (3Y)(%) is ranked lower than
78% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. CSBK: -5.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CSBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -5.4 Max: 55.7
Current: -5.4
0
55.7
» CSBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

CSBK Guru Trades in Q4 2015

Chuck Royce 426,600 sh (unchged)
Keeley Asset Management Corp 25,000 sh (unchged)
Michael Price 293,568 sh (unchged)
David Dreman Sold Out
Jim Simons 1,329,062 sh (-0.05%)
Zeke Ashton 72,500 sh (-44.23%)
» More
Q1 2016

CSBK Guru Trades in Q1 2016

David Dreman 130,754 sh (New)
Keeley Asset Management Corp 25,100 sh (+0.40%)
Michael Price 293,568 sh (unchged)
Zeke Ashton Sold Out
Chuck Royce 401,600 sh (-5.86%)
Jim Simons 1,236,400 sh (-6.97%)
» More
Q2 2016

CSBK Guru Trades in Q2 2016

Keeley Asset Management Corp 29,207 sh (+16.36%)
Chuck Royce 401,600 sh (unchged)
Michael Price 293,568 sh (unchged)
David Dreman Sold Out
Jim Simons 1,214,249 sh (-1.79%)
» More
Q3 2016

CSBK Guru Trades in Q3 2016

Jim Simons 1,285,662 sh (+5.88%)
Keeley Asset Management Corp 29,323 sh (+0.40%)
Michael Price 293,568 sh (unchged)
Chuck Royce 357,600 sh (-10.96%)
» More
» Details

Insider Trades

Latest Guru Trades with CSBK

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

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:EBTC, NAS:BSF, NAS:UCFC, OTCPK:BFCF, NAS:BKMU, NAS:FDEF, NAS:TBNK, NAS:BFIN, OTCPK:NASB, NAS:HBCP, NAS:WSBF, NAS:SMBC, NAS:FNWB, NAS:GCBC, NAS:LSBG, NAS:SIFI, NAS:ESSA, NAS:PROV, NAS:ICBK, NAS:LOB » details
Clifton Bancorp Inc is a savings and loan holding company. It operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area.

Clifton Bancorp Inc is a Maryland corporation that was incorporated in November 2013 to be the successor corporation to Clifton Savings Bancorp, Inc. The Company's business activities consist of the ownership of Clifton Savings Bank's capital stock and investment in securities. The Company operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. It attracts deposits from the general public and use those funds to originate one- to four-family, multi-family and commercial real estate, and, to a much lesser extent, consumer loans, all of which it currently hold for investment. The Company's loan portfolio consists of owner-occupied, one- to four-family mortgage loans secured by properties located in New Jersey. Its loan portfolio also includes multi-family and commercial real estate loans, consumer loans and residential construction loans. Clifton Savings Bank generally holds the loans it originates in its own portfolio. The Company's consumer loans include second mortgage loans and home equity loans, as well as loans secured by passbook accounts and certificates of deposit. It offers second mortgage loans and home equity loans with combined loan-to-value ratios not to exceed 80%. As a savings and loan holding company, the Company is subject to Federal Reserve Board regulations, examinations, supervision, reporting requirements and regulations regarding its activities.

Ratios

vs
industry
vs
history
P/E(ttm) 90.25
CSBK's P/E(ttm) is ranked lower than
97% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. CSBK: 90.25 )
Ranked among companies with meaningful P/E(ttm) only.
CSBK' s P/E(ttm) Range Over the Past 10 Years
Min: 25.09  Med: 50.76 Max: 149.75
Current: 90.25
25.09
149.75
Forward P/E 54.35
CSBK's Forward P/E is ranked lower than
99% of the 334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. CSBK: 54.35 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 90.25
CSBK's PE(NRI) is ranked lower than
97% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. CSBK: 90.25 )
Ranked among companies with meaningful PE(NRI) only.
CSBK' s PE(NRI) Range Over the Past 10 Years
Min: 25.09  Med: 50.76 Max: 149.75
Current: 90.25
25.09
149.75
Price/Owner Earnings (ttm) 91.67
CSBK's Price/Owner Earnings (ttm) is ranked lower than
96% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. CSBK: 91.67 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CSBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 13.99  Med: 50.08 Max: 299.5
Current: 91.67
13.99
299.5
P/B 1.30
CSBK's P/B is ranked lower than
59% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. CSBK: 1.30 )
Ranked among companies with meaningful P/B only.
CSBK' s P/B Range Over the Past 10 Years
Min: 0.91  Med: 1.56 Max: 1.9
Current: 1.3
0.91
1.9
P/S 13.76
CSBK's P/S is ranked lower than
96% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. CSBK: 13.76 )
Ranked among companies with meaningful P/S only.
CSBK' s P/S Range Over the Past 10 Years
Min: 8.12  Med: 12.39 Max: 40.94
Current: 13.76
8.12
40.94
PFCF 50.74
CSBK's PFCF is ranked lower than
93% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. CSBK: 50.74 )
Ranked among companies with meaningful PFCF only.
CSBK' s PFCF Range Over the Past 10 Years
Min: 13.35  Med: 46.6 Max: 592
Current: 50.74
13.35
592
POCF 42.23
CSBK's POCF is ranked lower than
94% of the 925 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. CSBK: 42.23 )
Ranked among companies with meaningful POCF only.
CSBK' s POCF Range Over the Past 10 Years
Min: 12.82  Med: 41.07 Max: 707.78
Current: 42.23
12.82
707.78
EV-to-EBIT 94.05
CSBK's EV-to-EBIT is ranked lower than
97% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. CSBK: 94.05 )
Ranked among companies with meaningful EV-to-EBIT only.
CSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 19.3  Med: 41.55 Max: 168
Current: 94.05
19.3
168
EV-to-EBITDA 85.78
CSBK's EV-to-EBITDA is ranked lower than
98% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. CSBK: 85.78 )
Ranked among companies with meaningful EV-to-EBITDA only.
CSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 18.6  Med: 39.35 Max: 131.9
Current: 85.78
18.6
131.9
Shiller P/E 67.21
CSBK's Shiller P/E is ranked lower than
93% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. CSBK: 67.21 )
Ranked among companies with meaningful Shiller P/E only.
CSBK' s Shiller P/E Range Over the Past 10 Years
Min: 49.78  Med: 57.92 Max: 74.19
Current: 67.21
49.78
74.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
CSBK's Dividend Yield is ranked lower than
78% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. CSBK: 1.40 )
Ranked among companies with meaningful Dividend Yield only.
CSBK' s Dividend Yield Range Over the Past 10 Years
Min: 1.37  Med: 1.9 Max: 2.66
Current: 1.4
1.37
2.66
Dividend Payout 1.26
CSBK's Dividend Payout is ranked lower than
98% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CSBK: 1.26 )
Ranked among companies with meaningful Dividend Payout only.
CSBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.46  Med: 1 Max: 5
Current: 1.26
0.46
5
Dividend Growth (3y) 10.10
CSBK's Dividend Growth (3y) is ranked higher than
56% of the 739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. CSBK: 10.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CSBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 12.6
Current: 10.1
0
12.6
Forward Dividend Yield 1.42
CSBK's Forward Dividend Yield is ranked lower than
82% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. CSBK: 1.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.54
CSBK's Yield on cost (5-Year) is ranked lower than
82% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. CSBK: 1.54 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CSBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.51  Med: 2.09 Max: 2.92
Current: 1.54
1.51
2.92
3-Year Average Share Buyback Ratio 2.80
CSBK's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. CSBK: 2.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CSBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.5  Med: 2.1 Max: 0
Current: 2.8
-1.5
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
CSBK's Price/Tangible Book is ranked lower than
53% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. CSBK: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
CSBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.94  Med: 1.58 Max: 2.05
Current: 1.31
0.94
2.05
Price/Projected FCF 1.34
CSBK's Price/Projected FCF is ranked lower than
83% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. CSBK: 1.34 )
Ranked among companies with meaningful Price/Projected FCF only.
CSBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.95  Med: 1.22 Max: 1.78
Current: 1.34
0.95
1.78
Price/Median PS Value 1.12
CSBK's Price/Median PS Value is ranked higher than
56% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CSBK: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
CSBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.68  Med: 1.03 Max: 6.38
Current: 1.12
0.68
6.38
Price/Graham Number 2.30
CSBK's Price/Graham Number is ranked lower than
95% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. CSBK: 2.30 )
Ranked among companies with meaningful Price/Graham Number only.
CSBK' s Price/Graham Number Range Over the Past 10 Years
Min: 1.21  Med: 1.93 Max: 3.51
Current: 2.3
1.21
3.51
Earnings Yield (Greenblatt) (%) 1.07
CSBK's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. CSBK: 1.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 2.4 Max: 5.2
Current: 1.07
0.6
5.2
Forward Rate of Return (Yacktman) (%) -3.67
CSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.59 vs. CSBK: -3.67 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CSBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -13.2  Med: 5.9 Max: 43.3
Current: -3.67
-13.2
43.3

More Statistics

Revenue (TTM) (Mil) $29.07
EPS (TTM) $ 0.19
Beta0.22
Short Percentage of Float7.47%
52-Week Range $13.09 - 17.25
Shares Outstanding (Mil)23.05

Analyst Estimate

Mar17 Mar18
Revenue (Mil $)
EPS ($) 0.22 0.31
EPS w/o NRI ($) 0.22 0.31
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for CSBK

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: WST, PHII, CLMS, CSBK, AMRC May 26 2015 
Largest Insider Buys of the Week Apr 07 2014 
Weekly CEO Buys Highlight: OPK, RTRX, TFM, CSBK, AHP Apr 07 2014 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Feb 09 2011 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2010 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Aug 09 2010 
8 Dividend Stocks Avoiding the Cash Trap: Village Super Market, Williams-Sonoma, Raven, ConocoPhilli Mar 28 2010 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Feb 09 2010 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Nov 06 2009 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
CLIFTON BANCORP INC. Financials Nov 16 2016
CLIFTON BANCORP INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 14 2016
Clifton Bancorp, Inc. :CSBK-US: Earnings Analysis: Q2, 2017 By the Numbers : November 7, 2016 Nov 07 2016
CLIFTON BANCORP INC. Files SEC form 10-Q, Quarterly Report Nov 07 2016
CLIFTON BANCORP INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 03 2016
Clifton Bancorp posts 2Q profit Nov 02 2016
Clifton Bancorp posts 2Q profit Nov 02 2016
Clifton Bancorp Inc. Announces Financial Results for the Second Quarter Ended September 30, 2016;... Nov 02 2016
Clifton Bancorp Inc. Announces Financial Results for the Second Quarter Ended September 30, 2016;... Nov 02 2016
[$$] Three Thrifts Worth Betting On Oct 28 2016
Clifton Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : CSBK-US : October 24,... Oct 24 2016
CSBK Announces Grand Opening of Montclair Banking Center Oct 18 2016
Clifton Bancorp, Inc. : CSBK-US: Dividend Analysis : August 12th, 2016 (record date) : By the... Oct 14 2016
Clifton Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : CSBK-US : October 12,... Oct 12 2016
CLIFTON BANCORP INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 13 2016
Diane Scriveri to Join CSBK as Chief Commercial Loan Officer Sep 12 2016
Clifton Bancorp Inc. to Expand Stock Repurchase Program Sep 08 2016
Clifton Bancorp Inc. to Expand Stock Repurchase Program Sep 08 2016
Clifton Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : CSBK-US : September... Sep 01 2016
Clifton Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : CSBK-US : August 19,... Aug 19 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

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)