Ratios

		vs industry	vs history
P/E(ttm)	46.80	CSBK's P/E(ttm) is ranked lower than 70% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 13.43 vs. CSBK: 46.80 )	CSBK' s 10-Year P/E(ttm) Range Min: 25.09   Max: 149.75 Current: 46.8 25.09 149.75
P/S	12.54	CSBK's P/S is ranked lower than 97% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 2.20 vs. CSBK: 12.54 )	CSBK' s 10-Year P/S Range Min: 8.12   Max: 21.14 Current: 12.54 8.12 21.14
PFCF	48.64	CSBK's PFCF is ranked lower than 89% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 6.70 vs. CSBK: 48.64 )	CSBK' s 10-Year PFCF Range Min: 13.35   Max: 104 Current: 48.64 13.35 104
EV-to-EBIT	37.35	CSBK's EV-to-EBIT is ranked lower than 55% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 16.90 vs. CSBK: 37.35 )	CSBK' s 10-Year EV-to-EBIT Range Min: 20.5   Max: 121.5 Current: 37.35 20.5 121.5
PEG	7.43	CSBK's PEG is ranked higher than 92% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 1.29 vs. CSBK: 7.43 )	CSBK' s 10-Year PEG Range Min: 0.7   Max: 14.58 Current: 7.43 0.7 14.58
Shiller P/E	47.91	CSBK's Shiller P/E is ranked higher than 50% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 14.60 vs. CSBK: 47.91 )	CSBK' s 10-Year Shiller P/E Range Min: 41   Max: 65.94 Current: 47.91 41 65.94

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	1.97	CSBK's Dividend Yield is ranked higher than 63% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 2.20 vs. CSBK: 1.97 )	CSBK' s 10-Year Dividend Yield Range Min: 1.19   Max: 2.66 Current: 1.97 1.19 2.66
Dividend growth (3y)	4.7	CSBK's Dividend growth (3y) is ranked higher than 95% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: -21.50 vs. CSBK: 4.7 )	CSBK' s 10-Year Dividend growth (3y) Range Min: 0   Max: 9.3 Current: 4.7 0 9.3
Yield on cost (5-Year)	2.63	CSBK's Yield on cost (5-Year) is ranked higher than 79% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 1.92 vs. CSBK: 2.63 )	CSBK' s 10-Year Yield on cost (5-Year) Range Min: 1.56   Max: 3.49 Current: 2.63 1.56 3.49
Share Buyback Rate	0.2	CSBK's Share Buyback Rate is ranked higher than 88% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: -1.75 vs. CSBK: 0.2 )	CSBK' s 10-Year Share Buyback Rate Range Min: 0   Max: 0.2 Current: 0.2 0 0.2

Valuation & Return

		vs industry	vs history
Earnings Yield (Greenblatt)	2.70	CSBK's Earnings Yield (Greenblatt) is ranked higher than 56% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 5.80 vs. CSBK: 2.70 )	CSBK' s 10-Year Earnings Yield (Greenblatt) Range Min: 0.8   Max: 4.9 Current: 2.7 0.8 4.9
Forward Rate of Return (Yacktman)	20.48	CSBK's Forward Rate of Return (Yacktman) is ranked higher than 74% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 15.01 vs. CSBK: 20.48 )	CSBK' s 10-Year Forward Rate of Return (Yacktman) Range Min: -0.1   Max: 43.1 Current: 20.48 -0.1 43.1

Business Description

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. Clifton Savings Bancorp's primary business activity is the ownership of the outstanding capital stock of Clifton Savings. 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 mainly uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. In addition to its main office located in Passaic County, it operates eleven branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties, comprise its primary market area. Its loan portfolio consists mainly of one- to four-family mortgage loans. To a much lesser extent, its loan portfolio includes multi-family and commercial real estate loans, construction and consumer loans. The Company has legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies and of state and municipal governments, mortgage-backed securities, deposits at the Federal Home Loan Bank of New York and certificates of deposit of federally insured institutions. The Company is subject to extensive regulation, examination and supervision by the Office of Thrift Supervision, as its primary federal regulator, and the Federal Deposit Insurance Corporation, as the deposit insurer.
Company Website
SEC Reports

Industry:	Savings & Cooperative Banks
Compare:	OCN, HOME, NYCB, PBCT, HCBK

» More Articles for CSBK

Headlines

Articles On GuruFocus.com

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

Personalized Checklist