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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 lower than
72% of the 974 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 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
94% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 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 lower than
64% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 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
5.90%
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 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. CSBK: 41.45 )
CSBK' s 10-Year Operating margin (%) Range
Min: -1532.15   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 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. CSBK: 28.10 )
CSBK' s 10-Year Net-margin (%) Range
Min: 15.17   Max: 1306.49
Current: 28.1

15.17
1306.49
ROE (%) 2.61
CSBK's ROE (%) is ranked lower than
84% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. CSBK: 2.61 )
CSBK' s 10-Year ROE (%) Range
Min: 1.29   Max: 7.41
Current: 2.61

1.29
7.41
ROA (%) 0.70
CSBK's ROA (%) is ranked lower than
58% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. CSBK: 0.70 )
CSBK' s 10-Year ROA (%) Range
Min: 0.28   Max: 0.93
Current: 0.7

0.28
0.93
ROC (Joel Greenblatt) (%) 205.93
CSBK's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. CSBK: 205.93 )
CSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.61   Max: 268.27
Current: 205.93

34.61
268.27
Revenue Growth (3Y)(%) -2.50
CSBK's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 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 lower than
83% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 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 lower than
82% of the 1000 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 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

Q2 2014

CSBK Guru Trades in Q2 2014

David Dreman 374,959 sh (New)
Zeke Ashton 130,000 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%)
Michael Price 293,568 sh (unchged)
Zeke Ashton 130,000 sh (unchged)
John Keeley 30,000 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) 53.50
CSBK's P/E(ttm) is ranked lower than
110% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 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 lower than
109% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. CSBK: 57.80 )
N/A
PE(NRI) 54.10
CSBK's PE(NRI) is ranked lower than
95% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. CSBK: 54.10 )
CSBK' s 10-Year PE(NRI) Range
Min: 25.09   Max: 149.75
Current: 54.1

25.09
149.75
P/B 1.00
CSBK's P/B is ranked higher than
52% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 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 12.89
CSBK's P/S is ranked lower than
127% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CSBK: 12.89 )
CSBK' s 10-Year P/S Range
Min: 8.12   Max: 40.53
Current: 12.89

8.12
40.53
PFCF 55.60
CSBK's PFCF is ranked lower than
119% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. CSBK: 55.60 )
CSBK' s 10-Year PFCF Range
Min: 13.35   Max: 173.33
Current: 55.6

13.35
173.33
POCF 56.24
CSBK's POCF is ranked lower than
95% of the 958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. CSBK: 56.24 )
CSBK' s 10-Year POCF Range
Min: 12.94   Max: 104
Current: 56.24

12.94
104
EV-to-EBIT 45.01
CSBK's EV-to-EBIT is ranked lower than
90% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.37 vs. CSBK: 45.01 )
CSBK' s 10-Year EV-to-EBIT Range
Min: 20.5   Max: 168
Current: 45.01

20.5
168
PEG 13.87
CSBK's PEG is ranked lower than
98% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. CSBK: 13.87 )
CSBK' s 10-Year PEG Range
Min: 0.63   Max: 219.63
Current: 13.87

0.63
219.63
Shiller P/E 48.60
CSBK's Shiller P/E is ranked lower than
125% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 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 39.18
CSBK's Days Sales Outstanding is ranked lower than
56% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.65 vs. CSBK: 39.18 )
CSBK' s 10-Year Days Sales Outstanding Range
Min: 46.52   Max: 109.74
Current: 39.18

46.52
109.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.16
CSBK's Dividend Yield is ranked lower than
97% of the 1339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.50 vs. CSBK: 2.16 )
CSBK' s 10-Year Dividend Yield Range
Min: 0.7   Max: 2.66
Current: 2.16

0.7
2.66
Dividend Payout 0.93
CSBK's Dividend Payout is ranked lower than
110% of the 1089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.28 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 lower than
81% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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) 1.86
CSBK's Yield on cost (5-Year) is ranked lower than
113% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.46 vs. CSBK: 1.86 )
CSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.62   Max: 2.36
Current: 1.86

0.62
2.36
Share Buyback Rate -0.10
CSBK's Share Buyback Rate is ranked higher than
71% of the 915 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 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
61% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 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 lower than
86% of the 778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 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
62% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CSBK: 1.00 )
CSBK' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 6.09
Current: 1

0.66
6.09
Price/Graham Number 1.60
CSBK's Price/Graham Number is ranked lower than
108% of the 1193 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 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
91% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. CSBK: 2.20 )
CSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 4.9
Current: 2.2

0.6
4.9
Forward Rate of Return (Yacktman) -3.90
CSBK's Forward Rate of Return (Yacktman) is ranked lower than
82% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. CSBK: -3.90 )
CSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.9   Max: 45.1
Current: -3.9

-3.9
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
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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
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Clifton Bancorp Inc. to Initiate Stock Repurchase Program Mar 13 2015
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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
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