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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 0.46
CSBK's Cash to Debt is ranked lower than
71% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. CSBK: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
CSBK' s 10-Year Cash to Debt Range
Min: 0.27  Med: 0.51 Max: No Debt
Current: 0.46
Equity to Asset 0.31
CSBK's Equity to Asset is ranked higher than
94% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CSBK: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
CSBK' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.18 Max: 0.31
Current: 0.31
0.13
0.31
Interest Coverage 1.40
CSBK's Interest Coverage is ranked lower than
54% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. CSBK: 1.40 )
Ranked among companies with meaningful Interest Coverage only.
CSBK' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.59 Max: 1.4
Current: 1.4
0.12
1.4
F-Score: 4
WACC vs ROIC
6.26%
2.38%
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 (%) 41.45
CSBK's Operating margin (%) is ranked higher than
76% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. CSBK: 41.45 )
Ranked among companies with meaningful Operating margin (%) only.
CSBK' s 10-Year Operating margin (%) Range
Min: -1532.15  Med: 40.62 Max: 59.67
Current: 41.45
-1532.15
59.67
Net-margin (%) 28.10
CSBK's Net-margin (%) is ranked higher than
70% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. CSBK: 28.10 )
Ranked among companies with meaningful Net-margin (%) only.
CSBK' s 10-Year Net-margin (%) Range
Min: 15.17  Med: 27.23 Max: 1306.49
Current: 28.1
15.17
1306.49
ROE (%) 2.61
CSBK's ROE (%) is ranked lower than
84% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. CSBK: 2.61 )
Ranked among companies with meaningful ROE (%) only.
CSBK' s 10-Year ROE (%) Range
Min: 1.29  Med: 3.22 Max: 7.41
Current: 2.61
1.29
7.41
ROA (%) 0.70
CSBK's ROA (%) is ranked lower than
57% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CSBK: 0.70 )
Ranked among companies with meaningful ROA (%) only.
CSBK' s 10-Year ROA (%) Range
Min: 0.28  Med: 0.62 Max: 0.93
Current: 0.7
0.28
0.93
ROC (Joel Greenblatt) (%) 173.57
CSBK's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. CSBK: 173.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.61  Med: 99.83 Max: 268.27
Current: 173.57
34.61
268.27
Revenue Growth (3Y)(%) 5.30
CSBK's Revenue Growth (3Y)(%) is ranked higher than
67% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. CSBK: 5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSBK' s 10-Year Revenue Growth (3Y)(%) Range
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
67% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. CSBK: 1.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -2.75 Max: 59.8
Current: 1.4
0
59.8
EPS Growth (3Y)(%) 2.10
CSBK's EPS Growth (3Y)(%) is ranked lower than
67% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. CSBK: 2.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CSBK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -3.25 Max: 55.7
Current: 2.1
0
55.7
» CSBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CSBK Guru Trades in Q2 2014

Zeke Ashton 130,000 sh (New)
David Dreman 374,959 sh (New)
John Keeley 17,500 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%)
Michael Price 293,568 sh (unchged)
Zeke Ashton 130,000 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%)
Michael Price 293,568 sh (unchged)
Zeke Ashton 130,000 sh (unchged)
» More
Q1 2015

CSBK Guru Trades in Q1 2015

Chuck Royce 57,740 sh (New)
Jim Simons 883,406 sh (+3.98%)
Zeke Ashton 130,000 sh (unchged)
John Keeley 30,000 sh (unchged)
Michael Price 293,568 sh (unchged)
David Dreman Sold Out
» 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) 41.71
CSBK's P/E(ttm) is ranked lower than
93% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. CSBK: 41.71 )
Ranked among companies with meaningful P/E(ttm) only.
CSBK' s 10-Year P/E(ttm) Range
Min: 24.86  Med: 52.05 Max: 157.63
Current: 41.71
24.86
157.63
Forward P/E 57.80
CSBK's Forward P/E is ranked lower than
99% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. CSBK: 57.80 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 42.40
CSBK's PE(NRI) is ranked lower than
93% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. CSBK: 42.40 )
Ranked among companies with meaningful PE(NRI) only.
CSBK' s 10-Year PE(NRI) Range
Min: 25.09  Med: 52.38 Max: 149.75
Current: 42.4
25.09
149.75
P/B 1.03
CSBK's P/B is ranked higher than
57% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. CSBK: 1.03 )
Ranked among companies with meaningful P/B only.
CSBK' s 10-Year P/B Range
Min: 0.91  Med: 1.60 Max: 1.92
Current: 1.03
0.91
1.92
P/S 11.79
CSBK's P/S is ranked lower than
97% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. CSBK: 11.79 )
Ranked among companies with meaningful P/S only.
CSBK' s 10-Year P/S Range
Min: 8.12  Med: 12.82 Max: 40.71
Current: 11.79
8.12
40.71
PFCF 55.88
CSBK's PFCF is ranked lower than
93% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. CSBK: 55.88 )
Ranked among companies with meaningful PFCF only.
CSBK' s 10-Year PFCF Range
Min: 13.35  Med: 50.04 Max: 180.29
Current: 55.88
13.35
180.29
POCF 46.56
CSBK's POCF is ranked lower than
94% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. CSBK: 46.56 )
Ranked among companies with meaningful POCF only.
CSBK' s 10-Year POCF Range
Min: 12.94  Med: 42.75 Max: 140.22
Current: 46.56
12.94
140.22
EV-to-EBIT 33.62
CSBK's EV-to-EBIT is ranked lower than
85% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. CSBK: 33.62 )
Ranked among companies with meaningful EV-to-EBIT only.
CSBK' s 10-Year EV-to-EBIT Range
Min: 20.5  Med: 41.50 Max: 168
Current: 33.62
20.5
168
PEG 84.80
CSBK's PEG is ranked lower than
100% of the 542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. CSBK: 84.80 )
Ranked among companies with meaningful PEG only.
CSBK' s 10-Year PEG Range
Min: 0.63  Med: 1.59 Max: 219.63
Current: 84.8
0.63
219.63
Shiller P/E 46.16
CSBK's Shiller P/E is ranked lower than
91% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. CSBK: 46.16 )
Ranked among companies with meaningful Shiller P/E only.
CSBK' s 10-Year Shiller P/E Range
Min: 40.89  Med: 47.78 Max: 84.29
Current: 46.16
40.89
84.29
Days Sales Outstanding 39.26
CSBK's Days Sales Outstanding is ranked lower than
55% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. CSBK: 39.26 )
Ranked among companies with meaningful Days Sales Outstanding only.
CSBK' s 10-Year Days Sales Outstanding Range
Min: 39.26  Med: 74.80 Max: 109.74
Current: 39.26
39.26
109.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.73
CSBK's Dividend Yield is ranked lower than
70% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. CSBK: 1.73 )
Ranked among companies with meaningful Dividend Yield only.
CSBK' s 10-Year Dividend Yield Range
Min: 0.48  Med: 1.90 Max: 2.66
Current: 1.73
0.48
2.66
Dividend Payout 0.90
CSBK's Dividend Payout is ranked lower than
92% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. CSBK: 0.90 )
Ranked among companies with meaningful Dividend Payout only.
CSBK' s 10-Year Dividend Payout Range
Min: 0.69  Med: 0.83 Max: 2.22
Current: 0.9
0.69
2.22
Dividend growth (3y) 7.70
CSBK's Dividend growth (3y) is ranked higher than
52% of the 640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. CSBK: 7.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
CSBK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 12.6
Current: 7.7
0
12.6
Yield on cost (5-Year) 1.95
CSBK's Yield on cost (5-Year) is ranked lower than
68% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. CSBK: 1.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.54  Med: 2.15 Max: 3.01
Current: 1.95
0.54
3.01
Share Buyback Rate -0.10
CSBK's Share Buyback Rate is ranked higher than
71% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. CSBK: -0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
CSBK' s 10-Year Share Buyback Rate Range
Min: 0  Med: 1.40 Max: -0.1
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
CSBK's Price/Tangible Book is ranked higher than
60% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. CSBK: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
CSBK' s 10-Year Price/Tangible Book Range
Min: 1.05  Med: 1.62 Max: 2.05
Current: 1.03
1.05
2.05
Price/Projected FCF 1.04
CSBK's Price/Projected FCF is ranked lower than
77% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. CSBK: 1.04 )
Ranked among companies with meaningful Price/Projected FCF only.
CSBK' s 10-Year Price/Projected FCF Range
Min: 1.06  Med: 1.29 Max: 1.55
Current: 1.04
1.06
1.55
Price/DCF (Earnings Based) 2.63
CSBK's Price/DCF (Earnings Based) is ranked lower than
100% of the 54 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. CSBK: 2.63 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.91
CSBK's Price/Median PS Value is ranked higher than
78% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. CSBK: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
CSBK' s 10-Year Price/Median PS Value Range
Min: 0.81  Med: 0.99 Max: 2.6
Current: 0.91
0.81
2.6
Price/Graham Number 1.43
CSBK's Price/Graham Number is ranked lower than
85% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. CSBK: 1.43 )
Ranked among companies with meaningful Price/Graham Number only.
CSBK' s 10-Year Price/Graham Number Range
Min: 1.45  Med: 1.90 Max: 3.38
Current: 1.43
1.45
3.38
Earnings Yield (Greenblatt) (%) 3.00
CSBK's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. CSBK: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 2.40 Max: 4.9
Current: 3
0.6
4.9
Forward Rate of Return (Yacktman) (%) -4.49
CSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. CSBK: -4.49 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CSBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.5  Med: 11.00 Max: 45.1
Current: -4.49
-4.5
45.1

Analyst Estimate

Mar16 Mar17
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, 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 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
Weekly CEO Buys Highlight: WST, PHII, CLMS, CSBK, AMRC May 26 2015
Clifton Bancorp Inc. Announces Date of 2015 Annual Meeting of Stockholders May 08 2015
Clifton Bancorp posts 4Q profit May 06 2015
Clifton Bancorp posts 4Q profit May 06 2015
Clifton Bancorp Inc. Announces Financial Results for the Fourth Quarter and Year Ended March 31,... May 06 2015
Clifton Bancorp Inc. Announces Expansion into Hoboken, New Jersey Mar 22 2015
Clifton Bancorp Inc. Announces Expansion into Hoboken, New Jersey Mar 18 2015
Clifton Bancorp Inc. to Initiate Stock Repurchase Program Mar 13 2015
Clifton Bancorp Inc. to Initiate Stock Repurchase Program Mar 11 2015
CLIFTON SAVINGS BANCORP INC Financials Feb 18 2015
Clifton Bancorp Inc. Announces Financial Results for the Third Quarter Ended December 31, 2014 Feb 15 2015
Clifton Bancorp Inc. Declares Cash Dividend Feb 15 2015
Clifton Bancorp Inc. Declares Cash Dividend Feb 04 2015
Clifton Bancorp Inc. Announces Financial Results for the Third Quarter Ended December 31, 2014 Feb 04 2015
9 Widely Overlooked Small Banks That Offer Big Profit Potential Nov 18 2014
Clifton Bancorp Inc. Declares Cash Dividend Nov 05 2014
Clifton Bancorp Inc. Declares Cash Dividend Nov 05 2014
Clifton Bancorp Inc. Announces Financial Results for the Second Quarter Ended September 30, 2014 Nov 03 2014
Clifton Bancorp Inc. Announces Financial Results for the Second Quarter Ended September 30, 2014 Nov 03 2014
[video] Citigroup, SunTrust Are Best of Bank Bunch Says Hennessy Manager Sep 23 2014

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