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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 0.41
CSBK's Cash to Debt is ranked higher than
61% of the 1688 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. CSBK: 0.41 )
CSBK' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.41

Equity to Asset 0.30
CSBK's Equity to Asset is ranked higher than
96% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. CSBK: 0.30 )
CSBK' s 10-Year Equity to Asset Range
Min: 0.15   Max: 0.3
Current: 0.3

0.15
0.3
Interest Coverage 1.00
CSBK's Interest Coverage is ranked higher than
65% of the 2143 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. CSBK: 1.00 )
CSBK' s 10-Year Interest Coverage Range
Min: 0.12   Max: 1
Current: 1

0.12
1
F-Score: 5
Z-Score: 0.47
WACC vs ROIC
5.84%
1.97%
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 (%) 36.10
CSBK's Operating margin (%) is ranked higher than
82% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.19 vs. CSBK: 36.10 )
CSBK' s 10-Year Operating margin (%) Range
Min: -1532.15   Max: 59.67
Current: 36.1

-1532.15
59.67
Net-margin (%) 23.90
CSBK's Net-margin (%) is ranked higher than
77% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.29 vs. CSBK: 23.90 )
CSBK' s 10-Year Net-margin (%) Range
Min: 15.17   Max: 1306.49
Current: 23.9

15.17
1306.49
ROE (%) 2.25
CSBK's ROE (%) is ranked higher than
51% of the 2336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.96 vs. CSBK: 2.25 )
CSBK' s 10-Year ROE (%) Range
Min: 1.29   Max: 7.41
Current: 2.25

1.29
7.41
ROA (%) 0.55
CSBK's ROA (%) is ranked higher than
62% of the 2341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CSBK: 0.55 )
CSBK' s 10-Year ROA (%) Range
Min: 0.28   Max: 0.93
Current: 0.55

0.28
0.93
ROC (Joel Greenblatt) (%) 135.55
CSBK's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 2305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 88.52 vs. CSBK: 135.55 )
CSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.61   Max: 268.27
Current: 135.55

34.61
268.27
Revenue Growth (3Y)(%) -2.50
CSBK's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1994 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. CSBK: -2.50 )
CSBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 23.7
Current: -2.5

0
23.7
EBITDA Growth (3Y)(%) -9.70
CSBK's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1809 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. CSBK: -9.70 )
CSBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 59.8
Current: -9.7

0
59.8
EPS Growth (3Y)(%) -9.70
CSBK's EPS Growth (3Y)(%) is ranked higher than
57% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. CSBK: -9.70 )
CSBK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 55.7
Current: -9.7

0
55.7
» CSBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CSBK Guru Trades in Q1 2014

Jim Simons 399,233 sh (+11.35%)
Michael Price 197,700 sh (unchged)
» More
Q2 2014

CSBK Guru Trades in Q2 2014

Zeke Ashton 130,000 sh (New)
John Keeley 17,500 sh (New)
David Dreman 374,959 sh (New)
Michael Price 293,568 sh (+48.49%)
Jim Simons 582,849 sh (+45.99%)
» More
Q3 2014

CSBK Guru Trades in Q3 2014

John Keeley 27,500 sh (+57.14%)
Jim Simons 683,849 sh (+17.33%)
David Dreman 379,690 sh (+1.26%)
Zeke Ashton 130,000 sh (unchged)
Michael Price 293,568 sh (unchged)
» More
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
» 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) 53.50
CSBK's P/E(ttm) is ranked higher than
58% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. CSBK: 53.50 )
CSBK' s 10-Year P/E(ttm) Range
Min: 24.86   Max: 157.63
Current: 53.5

24.86
157.63
Forward P/E 57.80
CSBK's Forward P/E is ranked higher than
62% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 57.80 )
N/A
PE(NRI) 53.50
CSBK's PE(NRI) is ranked higher than
64% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.30 vs. CSBK: 53.50 )
CSBK' s 10-Year PE(NRI) Range
Min: 25.09   Max: 149.75
Current: 53.5

25.09
149.75
P/B 1.00
CSBK's P/B is ranked higher than
79% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. CSBK: 1.00 )
CSBK' s 10-Year P/B Range
Min: 0.91   Max: 1.92
Current: 1

0.91
1.92
P/S 12.90
CSBK's P/S is ranked lower than
64% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.75 vs. CSBK: 12.90 )
CSBK' s 10-Year P/S Range
Min: 8.12   Max: 82.13
Current: 12.9

8.12
82.13
PFCF 55.60
CSBK's PFCF is ranked higher than
68% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 55.60 )
CSBK' s 10-Year PFCF Range
Min: 13.35   Max: 173.33
Current: 55.6

13.35
173.33
POCF 55.60
CSBK's POCF is ranked higher than
71% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 79.62 vs. CSBK: 55.60 )
CSBK' s 10-Year POCF Range
Min: 12.94   Max: 104
Current: 55.6

12.94
104
EV-to-EBIT 44.57
CSBK's EV-to-EBIT is ranked higher than
61% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.51 vs. CSBK: 44.57 )
CSBK' s 10-Year EV-to-EBIT Range
Min: 20.5   Max: 212
Current: 44.57

20.5
212
PEG 13.72
CSBK's PEG is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 13.72 )
CSBK' s 10-Year PEG Range
Min: 0.63   Max: 219.63
Current: 13.72

0.63
219.63
Shiller P/E 48.60
CSBK's Shiller P/E is ranked higher than
76% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 48.60 )
CSBK' s 10-Year Shiller P/E Range
Min: 40.89   Max: 84.29
Current: 48.6

40.89
84.29
Days Sales Outstanding 43.20
CSBK's Days Sales Outstanding is ranked higher than
85% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 43.20 )
CSBK' s 10-Year Days Sales Outstanding Range
Min: 46.52   Max: 109.74
Current: 43.2

46.52
109.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.16
CSBK's Dividend Yield is ranked lower than
55% of the 2176 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. CSBK: 2.16 )
CSBK' s 10-Year Dividend Yield Range
Min: 0.24   Max: 2.66
Current: 2.16

0.24
2.66
Dividend Payout 0.93
CSBK's Dividend Payout is ranked higher than
62% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. CSBK: 0.93 )
CSBK' s 10-Year Dividend Payout Range
Min: 0.6   Max: 5
Current: 0.93

0.6
5
Dividend growth (3y) -9.10
CSBK's Dividend growth (3y) is ranked higher than
64% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. CSBK: -9.10 )
CSBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.6
Current: -9.1

0
12.6
Yield on cost (5-Year) 1.95
CSBK's Yield on cost (5-Year) is ranked lower than
63% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.75 vs. CSBK: 1.95 )
CSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 2.36
Current: 1.95

0.21
2.36
Share Buyback Rate -0.10
CSBK's Share Buyback Rate is ranked higher than
84% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. CSBK: -0.10 )
CSBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.1
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
CSBK's Price/Tangible Book is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. CSBK: 1.00 )
CSBK' s 10-Year Price/Tangible Book Range
Min: 0.94   Max: 2.05
Current: 1

0.94
2.05
Price/DCF (Projected) 1.00
CSBK's Price/DCF (Projected) is ranked higher than
81% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 1.00 )
CSBK' s 10-Year Price/DCF (Projected) Range
Min: 0.94   Max: 1.64
Current: 1

0.94
1.64
Price/Median PS Value 1.00
CSBK's Price/Median PS Value is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. CSBK: 1.00 )
CSBK' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 6.09
Current: 1

0.65
6.09
Price/Graham Number 1.60
CSBK's Price/Graham Number is ranked higher than
65% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CSBK: 1.60 )
CSBK' s 10-Year Price/Graham Number Range
Min: 1.22   Max: 3.64
Current: 1.6

1.22
3.64
Earnings Yield (Greenblatt) 2.20
CSBK's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. CSBK: 2.20 )
CSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 4.9
Current: 2.2

0.5
4.9
Forward Rate of Return (Yacktman) -3.88
CSBK's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.15 vs. CSBK: -3.88 )
CSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.9   Max: 45.1
Current: -3.88

-3.9
45.1

Analyst Estimate

Mar15 Mar16
EPS($) 0.27 0.24
EPS without NRI($) 0.27 0.24

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., Clifton Savings Bancorp, Inc. was organized as a federal corporation at the direction of Clifton Savings Bank in connection with the mutual holding company reorganization of Clifton Savings. The Company is engaged in the ownership of the outstanding capital stock of Clifton Savings. Clifton Savings operate 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 consumer loans, which it holds for investment. Clifton Savings Bancorp neither owns nor leases any property but instead uses the premises, equipment and other property of Clifton Savings with the payment of appropriate rental fees, as required by applicable law and regulations. In addition to its main office located in Passaic County, it currently operates eleven branch offices in Bergen and Passaic Counties in New Jersey, which, along with Essex, Morris, Hudson and Union Counties in New Jersey, have traditionally comprised its primary market area. Its competitors include credit unions and mortgage brokers which keep overhead costs and mortgage rates down by selling loans and not holding or servicing them. As an insured federal savings bank, it is subject to extensive regulation, examination and supervision by the Office of the Comptroller of the Currency, as its primary federal regulator, and the Federal Deposit Insurance Corporation, as its deposits insurer.
» More Articles for NAS:CSBK

Headlines

Articles On GuruFocus.com
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 
Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Feb 05 2009 

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