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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 0.02
HCBK's Cash to Debt is ranked lower than
99% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. HCBK: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
HCBK' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.02 Max: N/A
Current: 0.02
Equity to Asset 0.14
HCBK's Equity to Asset is ranked higher than
81% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HCBK: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
HCBK' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.21
Current: 0.14
0.07
0.21
Interest Coverage 0.36
HCBK's Interest Coverage is ranked lower than
85% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HCBK: 0.36 )
Ranked among companies with meaningful Interest Coverage only.
HCBK' s 10-Year Interest Coverage Range
Min: 0.33  Med: 0.52 Max: 9999.99
Current: 0.36
0.33
9999.99
F-Score: 2
WACC vs ROIC
7.55%
1.10%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 41.25
HCBK's Operating margin (%) is ranked higher than
74% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. HCBK: 41.25 )
Ranked among companies with meaningful Operating margin (%) only.
HCBK' s 10-Year Operating margin (%) Range
Min: -2426.7  Med: 68.62 Max: 77.59
Current: 41.25
-2426.7
77.59
Net-margin (%) 24.90
HCBK's Net-margin (%) is ranked higher than
60% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. HCBK: 24.90 )
Ranked among companies with meaningful Net-margin (%) only.
HCBK' s 10-Year Net-margin (%) Range
Min: -67.22  Med: 45.21 Max: 4587.17
Current: 24.9
-67.22
4587.17
ROE (%) 2.44
HCBK's ROE (%) is ranked lower than
86% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. HCBK: 2.44 )
Ranked among companies with meaningful ROE (%) only.
HCBK' s 10-Year ROE (%) Range
Min: -14.62  Med: 8.70 Max: 17.51
Current: 2.44
-14.62
17.51
ROA (%) 0.32
HCBK's ROA (%) is ranked lower than
82% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. HCBK: 0.32 )
Ranked among companies with meaningful ROA (%) only.
HCBK' s 10-Year ROA (%) Range
Min: -1.38  Med: 0.92 Max: 1.5
Current: 0.32
-1.38
1.5
Revenue Growth (3Y)(%) -20.70
HCBK's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. HCBK: -20.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HCBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 15.10 Max: 538.3
Current: -20.7
0
538.3
» HCBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

HCBK Guru Trades in Q3 2014

First Eagle Investment 50,000 sh (New)
Jim Simons 138,000 sh (New)
Jeremy Grantham 6,374,940 sh (+64.31%)
Paul Tudor Jones 67,593 sh (+38.92%)
Mario Gabelli 275,545 sh (+3.38%)
Ken Fisher 12,000 sh (unchged)
» More
Q4 2014

HCBK Guru Trades in Q4 2014

Jim Simons 1,077,568 sh (+680.85%)
First Eagle Investment 340,000 sh (+580.00%)
Jeremy Grantham 12,251,606 sh (+92.18%)
Paul Tudor Jones 67,593 sh (unchged)
Ken Fisher 12,000 sh (unchged)
Mario Gabelli 263,845 sh (-4.25%)
» More
Q1 2015

HCBK Guru Trades in Q1 2015

John Burbank 38,058 sh (New)
Jim Simons 1,338,268 sh (+24.19%)
Ken Fisher 12,000 sh (unchged)
Paul Tudor Jones 67,593 sh (unchged)
First Eagle Investment Sold Out
Mario Gabelli 259,845 sh (-1.52%)
Jeremy Grantham 126,900 sh (-98.96%)
» More
Q2 2015

HCBK Guru Trades in Q2 2015

Jeremy Grantham 10,954,919 sh (+8532.72%)
Paul Tudor Jones 1,362,079 sh (+1915.12%)
Jim Simons 1,825,800 sh (+36.43%)
Ken Fisher 12,000 sh (unchged)
John Burbank Sold Out
Mario Gabelli 259,345 sh (-0.19%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 40.58
HCBK's P/E(ttm) is ranked lower than
93% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. HCBK: 40.58 )
Ranked among companies with meaningful P/E(ttm) only.
HCBK' s 10-Year P/E(ttm) Range
Min: 8.93  Med: 25.29 Max: 45.77
Current: 40.58
8.93
45.77
Forward P/E 232.56
HCBK's Forward P/E is ranked lower than
100% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. HCBK: 232.56 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 40.70
HCBK's PE(NRI) is ranked lower than
93% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. HCBK: 40.70 )
Ranked among companies with meaningful PE(NRI) only.
HCBK' s 10-Year PE(NRI) Range
Min: 8.98  Med: 25.08 Max: 45.17
Current: 40.7
8.98
45.17
P/B 1.03
HCBK's P/B is ranked higher than
53% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. HCBK: 1.03 )
Ranked among companies with meaningful P/B only.
HCBK' s 10-Year P/B Range
Min: 0.54  Med: 1.26 Max: 5.43
Current: 1.03
0.54
5.43
P/S 9.77
HCBK's P/S is ranked lower than
96% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. HCBK: 9.77 )
Ranked among companies with meaningful P/S only.
HCBK' s 10-Year P/S Range
Min: 2.11  Med: 7.98 Max: 717.5
Current: 9.77
2.11
717.5
PFCF 92.20
HCBK's PFCF is ranked lower than
97% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. HCBK: 92.20 )
Ranked among companies with meaningful PFCF only.
HCBK' s 10-Year PFCF Range
Min: 2.71  Med: 16.74 Max: 103.9
Current: 92.2
2.71
103.9
POCF 92.20
HCBK's POCF is ranked lower than
98% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. HCBK: 92.20 )
Ranked among companies with meaningful POCF only.
HCBK' s 10-Year POCF Range
Min: 2.7  Med: 15.88 Max: 103.9
Current: 92.2
2.7
103.9
EV-to-EBIT 55.32
HCBK's EV-to-EBIT is ranked lower than
93% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. HCBK: 55.32 )
Ranked among companies with meaningful EV-to-EBIT only.
HCBK' s 10-Year EV-to-EBIT Range
Min: -206.3  Med: 31.30 Max: 66.8
Current: 55.32
-206.3
66.8
Shiller P/E 36.63
HCBK's Shiller P/E is ranked lower than
90% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. HCBK: 36.63 )
Ranked among companies with meaningful Shiller P/E only.
HCBK' s 10-Year Shiller P/E Range
Min: 8.02  Med: 22.43 Max: 41.56
Current: 36.63
8.02
41.56
Days Sales Outstanding 15.70
HCBK's Days Sales Outstanding is ranked higher than
85% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. HCBK: 15.70 )
Ranked among companies with meaningful Days Sales Outstanding only.
HCBK' s 10-Year Days Sales Outstanding Range
Min: 20.92  Med: 77.32 Max: 11269.05
Current: 15.7
20.92
11269.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.73
HCBK's Dividend Yield is ranked lower than
73% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. HCBK: 1.73 )
Ranked among companies with meaningful Dividend Yield only.
HCBK' s 10-Year Dividend Yield Range
Min: 1.15  Med: 3.04 Max: 9.38
Current: 1.73
1.15
9.38
Dividend Payout 0.51
HCBK's Dividend Payout is ranked lower than
75% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. HCBK: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
HCBK' s 10-Year Dividend Payout Range
Min: 0.21  Med: 0.52 Max: 4
Current: 0.51
0.21
4
Dividend growth (3y) -25.70
HCBK's Dividend growth (3y) is ranked lower than
88% of the 674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. HCBK: -25.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
HCBK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 18.45 Max: 138.1
Current: -25.7
0
138.1
Yield on cost (5-Year) 0.41
HCBK's Yield on cost (5-Year) is ranked lower than
96% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. HCBK: 0.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HCBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.27  Med: 0.73 Max: 2.24
Current: 0.41
0.27
2.24
Share Buyback Rate -0.40
HCBK's Share Buyback Rate is ranked higher than
68% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. HCBK: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
HCBK' s 10-Year Share Buyback Rate Range
Min: 0  Med: 2.75 Max: -0.7
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
HCBK's Price/Tangible Book is ranked higher than
56% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HCBK: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
HCBK' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.39 Max: 5.51
Current: 1.06
0.62
5.51
Price/Projected FCF 0.52
HCBK's Price/Projected FCF is ranked higher than
68% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. HCBK: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
HCBK' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.78 Max: 2.35
Current: 0.52
0.31
2.35
Price/Median PS Value 1.23
HCBK's Price/Median PS Value is ranked lower than
73% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. HCBK: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
HCBK' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 1.13 Max: 76.38
Current: 1.23
0.29
76.38
Price/Peter Lynch Fair Value 0.90
HCBK's Price/Peter Lynch Fair Value is ranked lower than
615% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. HCBK: 0.90 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HCBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43  Med: 1.06 Max: 2.17
Current: 0.9
0.43
2.17
Price/Graham Number 1.41
HCBK's Price/Graham Number is ranked lower than
88% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. HCBK: 1.41 )
Ranked among companies with meaningful Price/Graham Number only.
HCBK' s 10-Year Price/Graham Number Range
Min: 0.78  Med: 1.30 Max: 2.93
Current: 1.41
0.78
2.93
Earnings Yield (Greenblatt) (%) 1.81
HCBK's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HCBK: 1.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HCBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 2.70 Max: 4.6
Current: 1.81
1.5
4.6
Forward Rate of Return (Yacktman) (%) 23.24
HCBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. HCBK: 23.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HCBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 9.9  Med: 20.40 Max: 37.4
Current: 23.24
9.9
37.4

Analyst Estimate

Dec15
EPS($) -0.02
EPS without NRI($) -0.02

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. It serves as the holding company of its only subsidiary, Hudson City Savings Bank. The asset of Hudson City Bancorp is its investment in Hudson City Savings Bank. The Company is a community and consumer-oriented retail savings bank offering traditional deposit products, residential real estate mortgage loans and consumer loans. The Company 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 "Staten Island". It also operates 9 branch offices in Fairfield County, Connecticut. The Company's traditional consumer products are conforming one- to four-family residential mortgages, time deposits, checking and savings accounts appeal to a broad customer base. 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. The Company faces intense competition both in making loans and attracting deposits in the market areas it serve. It competes with loans comes from commercial banks, savings institutions, mortgage banking firms, credit unions, finance companies, insurance companies and brokerage firms. The Company's loans are subject to federal and state laws and regulations.
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