Switch to:

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 0.02
HCBK's Cash to Debt is ranked lower than
53% of the 1369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. HCBK: 0.02 )
HCBK' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.02

Equity to Asset 0.13
HCBK's Equity to Asset is ranked higher than
89% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HCBK: 0.13 )
HCBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.21
Current: 0.13

0.07
0.21
Interest Coverage 0.41
HCBK's Interest Coverage is ranked higher than
53% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. HCBK: 0.41 )
HCBK' s 10-Year Interest Coverage Range
Min: 0.33   Max: 9999.99
Current: 0.41

0.33
9999.99
F-Score: 3
Z-Score: 0.26
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 (%) 48.37
HCBK's Operating margin (%) is ranked higher than
92% of the 1784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.51 vs. HCBK: 48.37 )
HCBK' s 10-Year Operating margin (%) Range
Min: -2426.7   Max: 77.59
Current: 48.37

-2426.7
77.59
Net-margin (%) 29.03
HCBK's Net-margin (%) is ranked higher than
86% of the 1784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.58 vs. HCBK: 29.03 )
HCBK' s 10-Year Net-margin (%) Range
Min: -67.22   Max: 4587.17
Current: 29.03

-67.22
4587.17
ROE (%) 3.45
HCBK's ROE (%) is ranked higher than
57% of the 1791 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.52 vs. HCBK: 3.45 )
HCBK' s 10-Year ROE (%) Range
Min: -14.62   Max: 17.51
Current: 3.45

-14.62
17.51
ROA (%) 0.43
HCBK's ROA (%) is ranked higher than
62% of the 1791 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HCBK: 0.43 )
HCBK' s 10-Year ROA (%) Range
Min: -1.38   Max: 1.5
Current: 0.43

-1.38
1.5
ROC (Joel Greenblatt) (%) 434.24
HCBK's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 1765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.03 vs. HCBK: 434.24 )
HCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1792.61   Max: 1278.92
Current: 434.24

-1792.61
1278.92
Revenue Growth (%) -21.80
HCBK's Revenue Growth (%) is ranked higher than
52% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HCBK: -21.80 )
HCBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 538.3
Current: -21.8

0
538.3
EBITDA Growth (%) -25.60
HCBK's EBITDA Growth (%) is ranked higher than
55% of the 1406 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HCBK: -25.60 )
HCBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 63
Current: -25.6

0
63
EPS Growth (%) -30.20
HCBK's EPS Growth (%) is ranked higher than
56% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. HCBK: -30.20 )
HCBK' s 10-Year EPS Growth (%) Range
Min: 0   Max: 66
Current: -30.2

0
66
» HCBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

HCBK Guru Trades in Q3 2013

Jean-Marie Eveillard 500,000 sh (+150%)
Jeremy Grantham 2,579,873 sh (+4.92%)
Mario Gabelli 295,145 sh (+4.02%)
Ken Fisher 12,000 sh (-14.29%)
Jim Simons 2,573,372 sh (-37.36%)
» More
Q4 2013

HCBK Guru Trades in Q4 2013

Steven Cohen 23,800 sh (New)
Paul Tudor Jones 55,500 sh (New)
Ken Fisher 12,000 sh (unchged)
Mario Gabelli 293,445 sh (-0.58%)
Jeremy Grantham 1,740,142 sh (-32.55%)
Jim Simons 1,523,368 sh (-40.8%)
Jean-Marie Eveillard 205,000 sh (-59%)
» More
Q1 2014

HCBK Guru Trades in Q1 2014

Jeremy Grantham 3,163,442 sh (+81.79%)
Paul Tudor Jones 55,500 sh (unchged)
Ken Fisher 12,000 sh (unchged)
Jean-Marie Eveillard Sold Out
Mario Gabelli 265,045 sh (-9.68%)
Jim Simons 878,468 sh (-42.33%)
Steven Cohen 13,462 sh (-43.44%)
» More
Q2 2014

HCBK Guru Trades in Q2 2014

Jeremy Grantham 3,879,942 sh (+22.65%)
Mario Gabelli 266,545 sh (+0.57%)
Ken Fisher 12,000 sh (unchged)
Jim Simons Sold Out
Paul Tudor Jones 48,655 sh (-12.33%)
» More
» Details

Insider Trades

Latest Guru Trades with HCBK

(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
Jean-Marie Eveillard 2014-03-31 Sold Out 0.01%$8.81 - $9.8 $ 9.14-2%0
Jean-Marie Eveillard 2013-12-31 Reduce -59%0.01%$8.9 - $9.49 $ 9.140%205000
Jean-Marie Eveillard 2013-09-30 Add 150%0.01%$8.98 - $9.77 $ 9.14-3%500000
Jean-Marie Eveillard 2013-06-30 New Buy0.01%$7.97 - $9.175 $ 9.148%200000
Mario Gabelli 2013-06-30 Add 41.42%$7.97 - $9.175 $ 9.148%283745
Michael Price 2013-03-31 Sold Out 0.16%$8.13 - $8.77 $ 9.146%0
Michael Price 2012-12-31 Reduce -82.84%0.79%$7.85 - $8.75 $ 9.1412%140000
Jean-Marie Eveillard 2012-12-31 Sold Out 0.07%$7.85 - $8.75 $ 9.1412%0
Mario Gabelli 2012-12-31 Add 279.69%0.01%$7.85 - $8.75 $ 9.1412%200645
Michael Price 2012-09-30 Reduce -38%0.46%$5.73 - $7.95 $ 9.1436%815800
Jean-Marie Eveillard 2012-09-30 New Buy0.07%$5.73 - $7.95 $ 9.1436%2379573
Mario Gabelli 2012-09-30 Add 24.21%$5.73 - $7.95 $ 9.1436%52845
Michael Price 2012-03-31 Add 137.76%0.75%$6.5 - $7.54 $ 9.1439%1272000
Ray Dalio 2011-12-31 Sold Out 0.01%$5.09 - $6.33 $ 9.1457%0
David Dreman 2011-09-30 Sold Out 0.0506%$5.46 - $8.53 $ 9.1434%0
Meridian Funds 2011-09-30 Sold Out 0.0154%$5.46 - $8.53 $ 9.1434%0
Ray Dalio 2011-09-30 New Buy0.01%$5.46 - $8.53 $ 9.1435%148727
Mario Gabelli 2011-09-30 Reduce -52.22%$5.46 - $8.53 $ 9.1434%42545
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) 26.00
HCBK's P/E(ttm) is ranked higher than
56% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. HCBK: 26.00 )
HCBK' s 10-Year P/E(ttm) Range
Min: 8.93   Max: 35.78
Current: 26

8.93
35.78
P/B 1.00
HCBK's P/B is ranked higher than
75% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. HCBK: 1.00 )
HCBK' s 10-Year P/B Range
Min: 0.54   Max: 5.88
Current: 1

0.54
5.88
P/S 7.68
HCBK's P/S is ranked lower than
57% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.08 vs. HCBK: 7.68 )
HCBK' s 10-Year P/S Range
Min: 2.11   Max: 717.5
Current: 7.68

2.11
717.5
PFCF 18.65
HCBK's PFCF is ranked higher than
71% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HCBK: 18.65 )
HCBK' s 10-Year PFCF Range
Min: 2.71   Max: 59.11
Current: 18.65

2.71
59.11
EV-to-EBIT 37.99
HCBK's EV-to-EBIT is ranked higher than
61% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.06 vs. HCBK: 37.99 )
HCBK' s 10-Year EV-to-EBIT Range
Min: -206.3   Max: 80.6
Current: 37.99

-206.3
80.6
Shiller P/E 22.50
HCBK's Shiller P/E is ranked higher than
71% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 27.60 vs. HCBK: 22.50 )
HCBK' s 10-Year Shiller P/E Range
Min: 8.02   Max: 39.52
Current: 22.5

8.02
39.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.75
HCBK's Dividend Yield is ranked lower than
63% of the 1506 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. HCBK: 1.75 )
HCBK' s 10-Year Dividend Yield Range
Min: 1.3   Max: 9.38
Current: 1.75

1.3
9.38
Dividend Payout 0.47
HCBK's Dividend Payout is ranked higher than
64% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. HCBK: 0.47 )
HCBK' s 10-Year Dividend Payout Range
Min: 0.21   Max: 1.91
Current: 0.47

0.21
1.91
Dividend growth (3y) -30.70
HCBK's Dividend growth (3y) is ranked higher than
60% of the 1058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. HCBK: -30.70 )
HCBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 138.1
Current: -30.7

0
138.1
Yield on cost (5-Year) 0.44
HCBK's Yield on cost (5-Year) is ranked lower than
89% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. HCBK: 0.44 )
HCBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.32   Max: 2.32
Current: 0.44

0.32
2.32
Share Buyback Rate -0.30
HCBK's Share Buyback Rate is ranked higher than
83% of the 1327 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. HCBK: -0.30 )
HCBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.7
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
HCBK's Price/Tangible Book is ranked higher than
82% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. HCBK: 1.04 )
HCBK' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 5.53
Current: 1.04

0.62
5.53
Price/DCF (Projected) 0.46
HCBK's Price/DCF (Projected) is ranked higher than
90% of the 1927 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. HCBK: 0.46 )
HCBK' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 2.06
Current: 0.46

0.31
2.06
Price/Median PS Value 0.97
HCBK's Price/Median PS Value is ranked higher than
87% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HCBK: 0.97 )
HCBK' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 76.38
Current: 0.97

0.29
76.38
Price/Graham Number 1.14
HCBK's Price/Graham Number is ranked higher than
70% of the 1928 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. HCBK: 1.14 )
HCBK' s 10-Year Price/Graham Number Range
Min: 0.78   Max: 2.95
Current: 1.14

0.78
2.95
Earnings Yield (Greenblatt) 2.60
HCBK's Earnings Yield (Greenblatt) is ranked lower than
52% of the 1575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. HCBK: 2.60 )
HCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 4.6
Current: 2.6

1.2
4.6
Forward Rate of Return (Yacktman) 13.17
HCBK's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.52 vs. HCBK: 13.17 )
HCBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.4   Max: 29.2
Current: 13.17

2.4
29.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, FNFG » details
Traded in other countries:HC4.Germany
Hudson City Bancorp, Inc., is a Delaware corporation organized in 1999 and serves as the holding company of its only subsidiary, Hudson City Savings Bank. The principal asset of Hudson City Bancorp is its investment in Hudson City Savings Bank. The Bank conducts its operations out of its corporate offices in Paramus in Bergen County, New Jersey and through 135 branches in the New York metropolitan area. It operates 97 branches located in 17 counties throughout the State of New Jersey. In New York State, it operates 10 branch offices in Westchester County, 12 branch offices in Suffolk County, 1 branch office each in Putnam and Rockland Counties and 5 branch offices in Richmond County. It also operates 9 branch offices in Fairfield County, Connecticut. It also opens deposit accounts through its internet banking service. It is a community- and consumer-oriented retail savings bank offering traditional deposit products, residential real estate mortgage loans and consumer loans. In addition, it purchases mortgages and mortgage-backed securities and other securities issued by U.S. government-sponsored enterprises as well as other investments permitted by applicable laws and regulations. Its traditional consumer products such as conforming one- to four-family residential mortgages, time deposits, checking and savings accounts appeal to a broad customer base. Its jumbo mortgage lending proficiency and its time deposit and money market products has allowed it to target higher-income customers successfully. Its competition for loans comes from commercial banks, savings institutions, and mortgage banking firms, credit unions, finance companies, insurance companies and brokerage firms. Hudson City Savings is a federally chartered stock savings bank subject to supervision and examination by the Office of the Comptroller of the Currency. The Company is subject to supervision and examination by the Board of Governors of the Federal Reserve System. Its deposits are insured by the Federal Deposit Insurance Corporation.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK