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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 0.09
CSBK's Cash to Debt is ranked lower than
95% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. CSBK: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
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
CSBK's Equity to Asset is ranked higher than
92% of the 1614 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CSBK: 0.22 )
Ranked among companies with meaningful Equity to Asset only.
CSBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.15  Med: 0.19 Max: 0.31
Current: 0.22
0.15
0.31
Interest Coverage 0.57
CSBK's Interest Coverage is ranked lower than
79% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. CSBK: 0.57 )
Ranked among companies with meaningful Interest Coverage only.
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
F-Score: 5
M-Score: -2.52
WACC vs ROIC
4.01%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 21.13
CSBK's Operating margin (%) is ranked lower than
72% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. CSBK: 21.13 )
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: 21.13
19.76
49.59
Net-margin (%) 14.63
CSBK's Net-margin (%) is ranked lower than
73% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. CSBK: 14.63 )
Ranked among companies with meaningful Net-margin (%) only.
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
CSBK's ROE (%) is ranked lower than
89% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. CSBK: 1.39 )
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: 1.39
1.29
4.95
ROA (%) 0.34
CSBK's ROA (%) is ranked lower than
80% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. CSBK: 0.34 )
Ranked among companies with meaningful ROA (%) only.
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
Revenue Growth (3Y)(%) 5.40
CSBK's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. CSBK: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.4 Max: 23.9
Current: 5.4
0
23.9
EBITDA Growth (3Y)(%) -4.50
CSBK's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. CSBK: -4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.5 Max: 61.9
Current: -4.5
0
61.9
EPS Growth (3Y)(%) -5.40
CSBK's EPS Growth (3Y)(%) is ranked lower than
78% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. CSBK: -5.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CSBK' s EPS Growth (3Y)(%) 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 $CSBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CSBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. 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:EBTC, NAS:BSF, NAS:UCFC, NAS:TBNK, NAS:FDEF, NAS:BKMU, OTCPK:NASB, NAS:BFIN, NAS:SMBC, NAS:HBCP, NAS:GCBC, NAS:FNWB, NAS:ESSA, NAS:WSBF, NAS:LSBG, NAS:ICBK, NAS:SIFI, NAS:RVSB, NAS:TSBK, 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
P/E(ttm) 81.75
CSBK's P/E(ttm) is ranked lower than
97% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. CSBK: 81.75 )
Ranked among companies with meaningful P/E(ttm) only.
CSBK' s P/E(ttm) Range Over the Past 10 Years
Min: 25.09  Med: 50.72 Max: 149.75
Current: 81.75
25.09
149.75
Forward P/E 56.50
CSBK's Forward P/E is ranked lower than
98% of the 390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.21 vs. CSBK: 56.50 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 81.75
CSBK's PE(NRI) is ranked lower than
97% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. CSBK: 81.75 )
Ranked among companies with meaningful PE(NRI) only.
CSBK' s PE(NRI) Range Over the Past 10 Years
Min: 25.09  Med: 50.72 Max: 149.75
Current: 81.75
25.09
149.75
Price/Owner Earnings (ttm) 99.70
CSBK's Price/Owner Earnings (ttm) is ranked lower than
97% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. CSBK: 99.70 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CSBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 13.99  Med: 50.59 Max: 299.5
Current: 99.7
13.99
299.5
P/B 1.24
CSBK's P/B is ranked lower than
54% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. CSBK: 1.24 )
Ranked among companies with meaningful P/B only.
CSBK' s P/B Range Over the Past 10 Years
Min: 0.91  Med: 1.54 Max: 1.9
Current: 1.24
0.91
1.9
P/S 12.58
CSBK's P/S is ranked lower than
97% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. CSBK: 12.58 )
Ranked among companies with meaningful P/S only.
CSBK' s P/S Range Over the Past 10 Years
Min: 8.12  Med: 12.38 Max: 40.94
Current: 12.58
8.12
40.94
PFCF 48.37
CSBK's PFCF is ranked lower than
91% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. CSBK: 48.37 )
Ranked among companies with meaningful PFCF only.
CSBK' s PFCF Range Over the Past 10 Years
Min: 13.35  Med: 46.95 Max: 6370
Current: 48.37
13.35
6370
POCF 39.48
CSBK's POCF is ranked lower than
91% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. CSBK: 39.48 )
Ranked among companies with meaningful POCF only.
CSBK' s POCF Range Over the Past 10 Years
Min: 12.82  Med: 41.2 Max: 707.78
Current: 39.48
12.82
707.78
EV-to-EBIT 96.49
CSBK's EV-to-EBIT is ranked lower than
97% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. CSBK: 96.49 )
Ranked among companies with meaningful EV-to-EBIT only.
CSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 19.3  Med: 41.5 Max: 168
Current: 96.49
19.3
168
EV-to-EBITDA 87.24
CSBK's EV-to-EBITDA is ranked lower than
97% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. CSBK: 87.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
CSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 18.6  Med: 39.3 Max: 131.9
Current: 87.24
18.6
131.9
Shiller P/E 63.30
CSBK's Shiller P/E is ranked lower than
93% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. CSBK: 63.30 )
Ranked among companies with meaningful Shiller P/E only.
CSBK' s Shiller P/E Range Over the Past 10 Years
Min: 49.78  Med: 58.17 Max: 74.19
Current: 63.3
49.78
74.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.46
CSBK's Dividend Yield is ranked lower than
78% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. CSBK: 1.46 )
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: 1.46
1.37
2.66
Dividend Payout 1.20
CSBK's Dividend Payout is ranked lower than
97% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. CSBK: 1.20 )
Ranked among companies with meaningful Dividend Payout only.
CSBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.69  Med: 0.87 Max: 2.22
Current: 1.2
0.69
2.22
Dividend Growth (3y) 10.10
CSBK's Dividend Growth (3y) is ranked higher than
58% of the 766 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. CSBK: 10.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CSBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 12.6
Current: 10.1
0
12.6
Forward Dividend Yield 1.46
CSBK's Forward Dividend Yield is ranked lower than
81% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. CSBK: 1.46 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.60
CSBK's Yield on cost (5-Year) is ranked lower than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. CSBK: 1.60 )
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: 1.51  Med: 2.08 Max: 2.92
Current: 1.6
1.51
2.92
3-Year Average Share Buyback Ratio 2.80
CSBK's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 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/Tangible Book 1.24
CSBK's Price/Tangible Book is ranked higher than
50% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. CSBK: 1.24 )
Ranked among companies with meaningful Price/Tangible Book only.
CSBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.94  Med: 1.58 Max: 2.05
Current: 1.24
0.94
2.05
Price/Projected FCF 1.20
CSBK's Price/Projected FCF is ranked lower than
76% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. CSBK: 1.20 )
Ranked among companies with meaningful Price/Projected FCF only.
CSBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.95  Med: 1.24 Max: 1.78
Current: 1.2
0.95
1.78
Price/Median PS Value 1.02
CSBK's Price/Median PS Value is ranked higher than
67% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. CSBK: 1.02 )
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: 1.03 Max: 6.42
Current: 1.02
0.68
6.42
Price/Graham Number 2.13
CSBK's Price/Graham Number is ranked lower than
95% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. CSBK: 2.13 )
Ranked among companies with meaningful Price/Graham Number only.
CSBK' s Price/Graham Number Range Over the Past 10 Years
Min: 1.21  Med: 1.95 Max: 3.51
Current: 2.13
1.21
3.51
Earnings Yield (Greenblatt) (%) 1.00
CSBK's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. CSBK: 1.00 )
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
0.6
5.2
Forward Rate of Return (Yacktman) (%) -4.61
CSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
85% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. CSBK: -4.61 )
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: -4.61
-13.2
43.6

More Statistics

Revenue (TTM) (Mil) $29.75
EPS (TTM) $ 0.20
Beta0.23
Short Percentage of Float6.61%
52-Week Range $14.11 - 17.49
Shares Outstanding (Mil)23.02

Analyst Estimate

Mar17 Mar18
Revenue (Mil $)
EPS ($) 0.22 0.29
EPS w/o NRI ($) 0.22 0.29
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 

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