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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.14
CSBK's Cash to Debt is ranked lower than
89% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. CSBK: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
CSBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.49 Max: No Debt
Current: 0.14
Equity to Asset 0.29
CSBK's Equity to Asset is ranked higher than
93% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CSBK: 0.29 )
Ranked among companies with meaningful Equity to Asset only.
CSBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.15  Med: 0.18 Max: 0.31
Current: 0.29
0.15
0.31
Interest Coverage 1.46
CSBK's Interest Coverage is ranked lower than
55% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. CSBK: 1.46 )
Ranked among companies with meaningful Interest Coverage only.
CSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.56 Max: 1.4
Current: 1.46
0.12
1.4
F-Score: 5
WACC vs ROIC
4.63%
2.03%
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 (%) 41.46
CSBK's Operating margin (%) is ranked higher than
73% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. CSBK: 41.46 )
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: 41.46
19.76
49.59
Net-margin (%) 28.16
CSBK's Net-margin (%) is ranked higher than
67% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. CSBK: 28.16 )
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: 28.16
15.17
31.92
ROE (%) 2.44
CSBK's ROE (%) is ranked lower than
86% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. CSBK: 2.44 )
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: 2.44
1.29
4.95
ROA (%) 0.73
CSBK's ROA (%) is ranked lower than
59% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. CSBK: 0.73 )
Ranked among companies with meaningful ROA (%) only.
CSBK' s ROA (%) Range Over the Past 10 Years
Min: 0.28  Med: 0.60 Max: 0.8
Current: 0.73
0.28
0.8
Revenue Growth (3Y)(%) 5.30
CSBK's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. CSBK: 5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.60 Max: 23.7
Current: 5.3
0
23.7
EBITDA Growth (3Y)(%) 1.40
CSBK's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. CSBK: 1.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -2.75 Max: 62.7
Current: 1.4
0
62.7
EPS Growth (3Y)(%) 2.70
CSBK's EPS Growth (3Y)(%) is ranked lower than
60% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. CSBK: 2.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CSBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -3.50 Max: 57.5
Current: 2.7
0
57.5
» CSBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

CSBK Guru Trades in Q4 2014

Jim Simons 849,633 sh (+24.24%)
John Keeley 30,000 sh (+9.09%)
David Dreman 400,523 sh (+5.49%)
Zeke Ashton 130,000 sh (unchged)
Michael Price 293,568 sh (unchged)
» More
Q1 2015

CSBK Guru Trades in Q1 2015

Chuck Royce 57,740 sh (New)
Jim Simons 883,406 sh (+3.98%)
Michael Price 293,568 sh (unchged)
John Keeley 30,000 sh (unchged)
Zeke Ashton 130,000 sh (unchged)
David Dreman Sold Out
» More
Q2 2015

CSBK Guru Trades in Q2 2015

David Dreman 473,210 sh (New)
Chuck Royce 384,000 sh (+565.05%)
Jim Simons 1,102,948 sh (+24.85%)
John Keeley 30,000 sh (unchged)
Michael Price 293,568 sh (unchged)
Zeke Ashton 130,000 sh (unchged)
» More
Q3 2015

CSBK Guru Trades in Q3 2015

Jim Simons 1,329,762 sh (+20.56%)
Chuck Royce 426,600 sh (+11.09%)
David Dreman 515,355 sh (+8.91%)
Zeke Ashton 130,000 sh (unchged)
Michael Price 293,568 sh (unchged)
John Keeley 25,000 sh (-16.67%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 40.73
CSBK's P/E(ttm) is ranked lower than
92% of the 1403 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. CSBK: 40.73 )
Ranked among companies with meaningful P/E(ttm) only.
CSBK' s P/E(ttm) Range Over the Past 10 Years
Min: 24.86  Med: 50.72 Max: 157.63
Current: 40.73
24.86
157.63
Forward P/E 55.56
CSBK's Forward P/E is ranked lower than
99% of the 703 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.52 vs. CSBK: 55.56 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 41.34
CSBK's PE(NRI) is ranked lower than
92% of the 1401 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. CSBK: 41.34 )
Ranked among companies with meaningful PE(NRI) only.
CSBK' s PE(NRI) Range Over the Past 10 Years
Min: 25.09  Med: 51.00 Max: 149.75
Current: 41.34
25.09
149.75
P/B 1.07
CSBK's P/B is ranked lower than
56% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. CSBK: 1.07 )
Ranked among companies with meaningful P/B only.
CSBK' s P/B Range Over the Past 10 Years
Min: 0.91  Med: 1.57 Max: 1.9
Current: 1.07
0.91
1.9
P/S 11.72
CSBK's P/S is ranked lower than
96% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.81 vs. CSBK: 11.72 )
Ranked among companies with meaningful P/S only.
CSBK' s P/S Range Over the Past 10 Years
Min: 8.12  Med: 12.35 Max: 40.53
Current: 11.72
8.12
40.53
PFCF 52.08
CSBK's PFCF is ranked lower than
96% of the 937 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.36 vs. CSBK: 52.08 )
Ranked among companies with meaningful PFCF only.
CSBK' s PFCF Range Over the Past 10 Years
Min: 13.35  Med: 49.89 Max: 173.33
Current: 52.08
13.35
173.33
POCF 43.92
CSBK's POCF is ranked lower than
96% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.10 vs. CSBK: 43.92 )
Ranked among companies with meaningful POCF only.
CSBK' s POCF Range Over the Past 10 Years
Min: 12.94  Med: 42.80 Max: 104
Current: 43.92
12.94
104
EV-to-EBIT 36.69
CSBK's EV-to-EBIT is ranked lower than
88% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.68 vs. CSBK: 36.69 )
Ranked among companies with meaningful EV-to-EBIT only.
CSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 19.3  Med: 40.70 Max: 168
Current: 36.69
19.3
168
EV-to-EBITDA 35.50
CSBK's EV-to-EBITDA is ranked lower than
90% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. CSBK: 35.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
CSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 18.6  Med: 35.80 Max: 131.9
Current: 35.5
18.6
131.9
PEG 408.00
CSBK's PEG is ranked lower than
100% of the 618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. CSBK: 408.00 )
Ranked among companies with meaningful PEG only.
CSBK' s PEG Range Over the Past 10 Years
Min: 0.65  Med: 1.97 Max: 65.8
Current: 408
0.65
65.8
Shiller P/E 57.94
CSBK's Shiller P/E is ranked lower than
94% of the 520 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.90 vs. CSBK: 57.94 )
Ranked among companies with meaningful Shiller P/E only.
CSBK' s Shiller P/E Range Over the Past 10 Years
Min: 46.86  Med: 56.92 Max: 62.25
Current: 57.94
46.86
62.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.72
CSBK's Dividend Yield is ranked lower than
75% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. CSBK: 1.72 )
Ranked among companies with meaningful Dividend Yield only.
CSBK' s Dividend Yield Range Over the Past 10 Years
Min: 1.19  Med: 1.90 Max: 2.66
Current: 1.72
1.19
2.66
Dividend Payout 0.71
CSBK's Dividend Payout is ranked lower than
87% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. CSBK: 0.71 )
Ranked among companies with meaningful Dividend Payout only.
CSBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.44  Med: 1.00 Max: 5
Current: 0.71
0.44
5
Dividend Growth (3y) 7.70
CSBK's Dividend Growth (3y) is ranked higher than
59% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. CSBK: 7.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CSBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 12.6
Current: 7.7
0
12.6
Forward Dividend Yield 1.73
CSBK's Forward Dividend Yield is ranked lower than
80% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. CSBK: 1.73 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.95
CSBK's Yield on cost (5-Year) is ranked lower than
74% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. CSBK: 1.95 )
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: 1.35  Med: 2.15 Max: 3.01
Current: 1.95
1.35
3.01
3-Year Average Share Buyback Ratio -0.10
CSBK's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. CSBK: -0.10 )
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: -0.1  Med: 1.40 Max: 0
Current: -0.1
-0.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
CSBK's Price/Tangible Book is ranked higher than
51% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. CSBK: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
CSBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.94  Med: 1.59 Max: 2.05
Current: 1.07
0.94
2.05
Price/Projected FCF 1.05
CSBK's Price/Projected FCF is ranked lower than
83% of the 850 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. CSBK: 1.05 )
Ranked among companies with meaningful Price/Projected FCF only.
CSBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.94  Med: 1.26 Max: 1.71
Current: 1.05
0.94
1.71
Price/Median PS Value 0.95
CSBK's Price/Median PS Value is ranked higher than
57% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. CSBK: 0.95 )
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: 1.02 Max: 6.38
Current: 0.95
0.68
6.38
Price/Graham Number 1.40
CSBK's Price/Graham Number is ranked lower than
88% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. CSBK: 1.40 )
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: 1.4
1.21
3.51
Earnings Yield (Greenblatt) (%) 2.76
CSBK's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. CSBK: 2.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 2.50 Max: 5.2
Current: 2.76
0.6
5.2
Forward Rate of Return (Yacktman) (%) -2.70
CSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. CSBK: -2.70 )
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: -3.5  Med: 7.50 Max: 44.3
Current: -2.7
-3.5
44.3

More Statistics

Revenue(Mil) $31
EPS $ 0.35
Beta0.36
Short Percentage of Float6.61%
52-Week Range $13.09 - 14.98
Shares Outstanding(Mil)25.69

Analyst Estimate

Mar16 Mar17
Revenue(Mil)
EPS($) 0.24 0.25
EPS without NRI($) 0.24 0.25

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
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.
» 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. Earnings Analysis: Q3, 2016 By the Numbers Feb 08 2016
CSBK Announces Official Opening of Hoboken Banking Center and Plans for Montclair Banking Center Feb 05 2016
CLIFTON BANCORP INC. Files SEC form 10-Q, Quarterly Report Feb 05 2016
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Clifton Bancorp posts 3Q profit Feb 03 2016
Clifton Bancorp posts 3Q profit Feb 03 2016
Clifton Bancorp Inc. Announces Financial Results for the Third Quarter Ended December 31, 2015;... Feb 03 2016
Clifton Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : February 1, 2016 Feb 01 2016
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CLIFTON BANCORP INC. Files SEC form 8-K, Change in Directors or Principal Officers Jan 11 2016
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Clifton Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : December 21, 2015 Dec 21 2015
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