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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 0.67
CSBK's Cash to Debt is ranked higher than
69% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. CSBK: 0.67 )
CSBK' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.67

Equity to Asset 0.30
CSBK's Equity to Asset is ranked higher than
97% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 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 higher than
64% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. CSBK: 1.00 )
CSBK' s 10-Year Interest Coverage Range
Min: 0.12   Max: 1
Current: 1

0.12
1
F-Score: 4
Z-Score: 0.43
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 (%) 36.25
CSBK's Operating margin (%) is ranked higher than
84% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. CSBK: 36.25 )
CSBK' s 10-Year Operating margin (%) Range
Min: -1532.15   Max: 59.67
Current: 36.25

-1532.15
59.67
Net-margin (%) 23.86
CSBK's Net-margin (%) is ranked higher than
80% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. CSBK: 23.86 )
CSBK' s 10-Year Net-margin (%) Range
Min: 15.17   Max: 1306.49
Current: 23.86

15.17
1306.49
ROE (%) 2.49
CSBK's ROE (%) is ranked higher than
53% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. CSBK: 2.49 )
CSBK' s 10-Year ROE (%) Range
Min: 1.29   Max: 7.41
Current: 2.49

1.29
7.41
ROA (%) 0.54
CSBK's ROA (%) is ranked higher than
63% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CSBK: 0.54 )
CSBK' s 10-Year ROA (%) Range
Min: 0.28   Max: 0.93
Current: 0.54

0.28
0.93
ROC (Joel Greenblatt) (%) 131.15
CSBK's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. CSBK: 131.15 )
CSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.61   Max: 268.27
Current: 131.15

34.61
268.27
Revenue Growth (%) -2.50
CSBK's Revenue Growth (%) is ranked higher than
66% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CSBK: -2.50 )
CSBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 23.7
Current: -2.5

0
23.7
EBITDA Growth (%) -9.70
CSBK's EBITDA Growth (%) is ranked higher than
59% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. CSBK: -9.70 )
CSBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 59.8
Current: -9.7

0
59.8
EPS Growth (%) -9.70
CSBK's EPS Growth (%) is ranked higher than
60% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. CSBK: -9.70 )
CSBK' s 10-Year EPS Growth (%) 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

Q4 2013

CSBK Guru Trades in Q4 2013

Jim Simons 358,531 sh (+4.59%)
Michael Price 197,700 sh (unchged)
» More
Q1 2014

CSBK Guru Trades in Q1 2014

Jim Simons 399,233 sh (+11.35%)
Michael Price 197,700 sh (unchged)
» More
Q2 2014

CSBK Guru Trades in Q2 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-09-30 Add 57.14%$12.06 - $13.02 $ 12.852%27500
David Dreman 2014-06-30 New Buy0.36%$11.45 - $12.71 $ 12.858%374959
Michael Price 2014-06-30 Add 48.49%0.15%$11.45 - $12.71 $ 12.858%293568
John Keeley 2014-06-30 New Buy$11.45 - $12.71 $ 12.858%17500
Michael Price 2013-09-30 Add 295.4%0.25%$11.87 - $12.86 $ 12.854%197700
Michael Price 2012-09-30 New Buy0.08%$9.56 - $11 $ 12.8528%50000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 50.60
CSBK's P/E(ttm) is ranked higher than
65% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. CSBK: 50.60 )
CSBK' s 10-Year P/E(ttm) Range
Min: 24.86   Max: 157.63
Current: 50.6

24.86
157.63
P/B 1.00
CSBK's P/B is ranked higher than
84% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 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 12.00
CSBK's P/S is ranked higher than
60% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. CSBK: 12.00 )
CSBK' s 10-Year P/S Range
Min: 8.12   Max: 82.13
Current: 12

8.12
82.13
PFCF 67.60
CSBK's PFCF is ranked higher than
78% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CSBK: 67.60 )
CSBK' s 10-Year PFCF Range
Min: 13.35   Max: 173.33
Current: 67.6

13.35
173.33
EV-to-EBIT 39.04
CSBK's EV-to-EBIT is ranked higher than
63% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. CSBK: 39.04 )
CSBK' s 10-Year EV-to-EBIT Range
Min: 20.5   Max: 212
Current: 39.04

20.5
212
Shiller P/E 44.60
CSBK's Shiller P/E is ranked higher than
78% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CSBK: 44.60 )
CSBK' s 10-Year Shiller P/E Range
Min: 40.89   Max: 84.29
Current: 44.6

40.89
84.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
CSBK's Dividend Yield is ranked higher than
53% of the 1871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. CSBK: 2.30 )
CSBK' s 10-Year Dividend Yield Range
Min: 0.24   Max: 2.66
Current: 2.3

0.24
2.66
Dividend Payout 0.96
CSBK's Dividend Payout is ranked higher than
59% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. CSBK: 0.96 )
CSBK' s 10-Year Dividend Payout Range
Min: 0.6   Max: 5
Current: 0.96

0.6
5
Dividend growth (3y) -9.10
CSBK's Dividend growth (3y) is ranked higher than
63% of the 1118 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 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) 1.79
CSBK's Yield on cost (5-Year) is ranked lower than
60% of the 1883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. CSBK: 1.79 )
CSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.19   Max: 2.07
Current: 1.79

0.19
2.07
Share Buyback Rate -0.10
CSBK's Share Buyback Rate is ranked higher than
86% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 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 0.96
CSBK's Price/Tangible Book is ranked higher than
87% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. CSBK: 0.96 )
CSBK' s 10-Year Price/Tangible Book Range
Min: 0.94   Max: 2.05
Current: 0.96

0.94
2.05
Price/DCF (Projected) 0.96
CSBK's Price/DCF (Projected) is ranked higher than
79% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.54 vs. CSBK: 0.96 )
CSBK' s 10-Year Price/DCF (Projected) Range
Min: 0.94   Max: 1.59
Current: 0.96

0.94
1.59
Price/Median PS Value 0.91
CSBK's Price/Median PS Value is ranked higher than
92% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. CSBK: 0.91 )
CSBK' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 5.93
Current: 0.91

0.64
5.93
Price/Graham Number 1.51
CSBK's Price/Graham Number is ranked higher than
68% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. CSBK: 1.51 )
CSBK' s 10-Year Price/Graham Number Range
Min: 1.22   Max: 3.64
Current: 1.51

1.22
3.64
Earnings Yield (Greenblatt) 2.60
CSBK's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. CSBK: 2.60 )
CSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 4.9
Current: 2.6

0.5
4.9
Forward Rate of Return (Yacktman) -0.89
CSBK's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. CSBK: -0.89 )
CSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.9   Max: 45.1
Current: -0.89

-0.9
45.1

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
Largest Insider Buys of the Week Apr 07 2014 
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Clifton Savings Bancorp Inc. Reports Operating Results (10-Q) Feb 09 2011 
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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 

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