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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.09
NAS:CSBK's Cash-to-Debt is ranked lower than
95% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 vs. NAS:CSBK: 0.09 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:CSBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.43 Max: No Debt
Current: 0.09
Equity-to-Asset 0.22
NAS:CSBK's Equity-to-Asset is ranked higher than
92% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:CSBK: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:CSBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.15  Med: 0.19 Max: 0.31
Current: 0.22
0.15
0.31
Interest Coverage 0.57
NAS:CSBK's Interest Coverage is ranked lower than
79% of the 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. NAS:CSBK: 0.57 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.73 Max: 1.4
Current: 0.57
0.12
1.4
Beneish M-Score: -2.52
WACC vs ROIC
3.98%
0.86%
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 : 5/10

vs
industry
vs
history
Operating Margin % 21.13
NAS:CSBK's Operating Margin % is ranked lower than
72% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 vs. NAS:CSBK: 21.13 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CSBK' s Operating Margin % Range Over the Past 10 Years
Min: 19.76  Med: 39.51 Max: 49.59
Current: 21.13
19.76
49.59
Net Margin % 14.63
NAS:CSBK's Net Margin % is ranked lower than
73% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 vs. NAS:CSBK: 14.63 )
Ranked among companies with meaningful Net Margin % only.
NAS:CSBK' s Net Margin % Range Over the Past 10 Years
Min: 14.63  Med: 26.47 Max: 31.92
Current: 14.63
14.63
31.92
ROE % 1.39
NAS:CSBK's ROE % is ranked lower than
88% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. NAS:CSBK: 1.39 )
Ranked among companies with meaningful ROE % only.
NAS: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 % 0.34
NAS:CSBK's ROA % is ranked lower than
79% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. NAS:CSBK: 0.34 )
Ranked among companies with meaningful ROA % only.
NAS:CSBK' s ROA % Range Over the Past 10 Years
Min: 0.28  Med: 0.6 Max: 0.8
Current: 0.34
0.28
0.8
3-Year Revenue Growth Rate 5.40
NAS:CSBK's 3-Year Revenue Growth Rate is ranked higher than
58% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. NAS:CSBK: 5.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:CSBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.4 Max: 23.9
Current: 5.4
0
23.9
3-Year EBITDA Growth Rate -4.50
NAS:CSBK's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. NAS:CSBK: -4.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CSBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.5 Max: 61.9
Current: -4.5
0
61.9
3-Year EPS without NRI Growth Rate -5.40
NAS:CSBK's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:CSBK: -5.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:CSBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -5.4 Max: 55.7
Current: -5.4
0
55.7
GuruFocus has detected 7 Warning Signs with Clifton Bancorp Inc $NAS:CSBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:CSBK's 10-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

CSBK Guru Trades in Q4 2016

Jim Simons 1,386,162 sh (+7.82%)
Michael Price 293,568 sh (unchged)
Keeley Asset Management Corp Sold Out
Chuck Royce 325,100 sh (-9.09%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:HIFS, NAS:EBTC, NAS:BSF, NAS:UCFC, NAS:TBNK, NAS:BKMU, NAS:FDEF, NAS:BFIN, OTCPK:NASB, NAS:HBCP, NAS:SMBC, NAS:WSBF, NAS:GCBC, NAS:ICBK, NAS:LSBG, NAS:FNWB, NAS:SIFI, NAS:ESSA, NAS:RVSB, NAS:PBIP » 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
PE Ratio 79.60
CSBK's PE Ratio is ranked lower than
97% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. CSBK: 79.60 )
Ranked among companies with meaningful PE Ratio only.
CSBK' s PE Ratio Range Over the Past 10 Years
Min: 25.09  Med: 50.76 Max: 149.75
Current: 79.6
25.09
149.75
Forward PE Ratio 55.25
CSBK's Forward PE Ratio is ranked lower than
98% of the 526 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.33 vs. CSBK: 55.25 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 79.60
CSBK's PE Ratio without NRI is ranked lower than
97% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. CSBK: 79.60 )
Ranked among companies with meaningful PE Ratio without NRI only.
CSBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 25.09  Med: 50.76 Max: 149.75
Current: 79.6
25.09
149.75
Price-to-Owner-Earnings 97.06
CSBK's Price-to-Owner-Earnings is ranked lower than
98% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. CSBK: 97.06 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CSBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 13.99  Med: 50.72 Max: 299.5
Current: 97.06
13.99
299.5
PB Ratio 1.23
CSBK's PB Ratio is ranked lower than
52% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. CSBK: 1.23 )
Ranked among companies with meaningful PB Ratio only.
CSBK' s PB Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.53 Max: 1.9
Current: 1.23
0.91
1.9
PS Ratio 12.23
CSBK's PS Ratio is ranked lower than
97% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. CSBK: 12.23 )
Ranked among companies with meaningful PS Ratio only.
CSBK' s PS Ratio Range Over the Past 10 Years
Min: 8.12  Med: 12.38 Max: 40.94
Current: 12.23
8.12
40.94
Price-to-Free-Cash-Flow 47.11
CSBK's Price-to-Free-Cash-Flow is ranked lower than
92% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. CSBK: 47.11 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CSBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 13.35  Med: 46.98 Max: 6370
Current: 47.11
13.35
6370
Price-to-Operating-Cash-Flow 38.47
CSBK's Price-to-Operating-Cash-Flow is ranked lower than
93% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. CSBK: 38.47 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CSBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 12.82  Med: 40.96 Max: 707.78
Current: 38.47
12.82
707.78
EV-to-EBIT 94.93
CSBK's EV-to-EBIT is ranked lower than
97% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. CSBK: 94.93 )
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: 94.93
19.3
168
EV-to-EBITDA 85.79
CSBK's EV-to-EBITDA is ranked lower than
97% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. CSBK: 85.79 )
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: 85.79
18.6
131.9
Shiller PE Ratio 61.63
CSBK's Shiller PE Ratio is ranked lower than
94% of the 496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.63 vs. CSBK: 61.63 )
Ranked among companies with meaningful Shiller PE Ratio only.
CSBK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 49.78  Med: 58.28 Max: 74.19
Current: 61.63
49.78
74.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.52
CSBK's Dividend Yield % is ranked lower than
77% of the 2303 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. CSBK: 1.52 )
Ranked among companies with meaningful Dividend Yield % only.
CSBK' s Dividend Yield % Range Over the Past 10 Years
Min: 1.37  Med: 1.89 Max: 2.66
Current: 1.52
1.37
2.66
Dividend Payout Ratio 1.20
CSBK's Dividend Payout Ratio is ranked lower than
96% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. CSBK: 1.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CSBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.69  Med: 0.87 Max: 2.22
Current: 1.2
0.69
2.22
3-Year Dividend Growth Rate 10.10
CSBK's 3-Year Dividend Growth Rate is ranked higher than
59% of the 772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. CSBK: 10.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CSBK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 12.6
Current: 10.1
0
12.6
Forward Dividend Yield % 1.50
CSBK's Forward Dividend Yield % is ranked lower than
81% of the 2274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. CSBK: 1.50 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.65
CSBK's 5-Year Yield-on-Cost % is ranked lower than
78% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.27 vs. CSBK: 1.65 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CSBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.51  Med: 2.08 Max: 2.92
Current: 1.65
1.51
2.92
3-Year Average Share Buyback Ratio 2.80
CSBK's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 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-to-Tangible-Book 1.21
CSBK's Price-to-Tangible-Book is ranked higher than
53% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. CSBK: 1.21 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CSBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.94  Med: 1.58 Max: 2.05
Current: 1.21
0.94
2.05
Price-to-Intrinsic-Value-Projected-FCF 1.17
CSBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
75% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CSBK: 1.17 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CSBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.95  Med: 1.24 Max: 1.78
Current: 1.17
0.95
1.78
Price-to-Median-PS-Value 0.99
CSBK's Price-to-Median-PS-Value is ranked higher than
73% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. CSBK: 0.99 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CSBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.68  Med: 1.03 Max: 6.42
Current: 0.99
0.68
6.42
Price-to-Graham-Number 2.07
CSBK's Price-to-Graham-Number is ranked lower than
96% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. CSBK: 2.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CSBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.21  Med: 1.95 Max: 3.51
Current: 2.07
1.21
3.51
Earnings Yield (Greenblatt) % 1.07
CSBK's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 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) % -4.56
CSBK's Forward Rate of Return (Yacktman) % is ranked lower than
86% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. CSBK: -4.56 )
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: 6 Max: 43.6
Current: -4.56
-13.2
43.6

More Statistics

Revenue (TTM) (Mil) $29.75
EPS (TTM) $ 0.20
Beta0.23
Short Percentage of Float7.24%
52-Week Range $14.11 - 17.49
Shares Outstanding (Mil)23.02

Analyst Estimate

Mar17 Mar18
Revenue (Mil $)
EPS ($) 0.22 0.29
EPS without NRI ($) 0.22 0.29
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for NAS: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 

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