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Also traded in: Germany

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 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. HCBK: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
HCBK' s Cash to Debt Range Over the Past 10 Years
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 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.21
Current: 0.14
0.07
0.21
Interest Coverage 0.27
HCBK's Interest Coverage is ranked lower than
89% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. HCBK: 0.27 )
Ranked among companies with meaningful Interest Coverage only.
HCBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 0.47 Max: 0.72
Current: 0.27
0.33
0.72
F-Score: 2
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
73% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. HCBK: 41.25 )
Ranked among companies with meaningful Operating margin (%) only.
HCBK' s Operating margin (%) Range Over the Past 10 Years
Min: -2426.7  Med: 56.87 Max: 77.59
Current: 41.25
-2426.7
77.59
Net-margin (%) 24.90
HCBK's Net-margin (%) is ranked higher than
59% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. HCBK: 24.90 )
Ranked among companies with meaningful Net-margin (%) only.
HCBK' s Net-margin (%) Range Over the Past 10 Years
Min: -67.22  Med: 40.49 Max: 4587.17
Current: 24.9
-67.22
4587.17
ROE (%) 2.44
HCBK's ROE (%) is ranked lower than
86% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. HCBK: 2.44 )
Ranked among companies with meaningful ROE (%) only.
HCBK' s ROE (%) Range Over the Past 10 Years
Min: -14.62  Med: 5.95 Max: 10.26
Current: 2.44
-14.62
10.26
ROA (%) 0.32
HCBK's ROA (%) is ranked lower than
81% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. HCBK: 0.32 )
Ranked among companies with meaningful ROA (%) only.
HCBK' s ROA (%) Range Over the Past 10 Years
Min: -1.38  Med: 0.81 Max: 1.14
Current: 0.32
-1.38
1.14
Revenue Growth (3Y)(%) -20.70
HCBK's Revenue Growth (3Y)(%) is ranked lower than
87% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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

Q1 2015

HCBK Guru Trades in Q1 2015

John Burbank 38,058 sh (New)
Jim Simons 1,338,268 sh (+24.19%)
Paul Tudor Jones 67,593 sh (unchged)
Ken Fisher 12,000 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
Q3 2015

HCBK Guru Trades in Q3 2015

Mario Gabelli 360,849 sh (+39.14%)
Ken Fisher 12,000 sh (unchged)
Paul Tudor Jones 1,132,079 sh (-16.89%)
Jim Simons 1,245,900 sh (-31.76%)
Jeremy Grantham 7,183,100 sh (-34.43%)
» More
Q4 2015

HCBK Guru Trades in Q4 2015

Mario Gabelli Sold Out
Ken Fisher Sold Out
» 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) 44.60
HCBK's P/E(ttm) is ranked lower than
95% of the 2140 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.49 vs. HCBK: 44.60 )
Ranked among companies with meaningful P/E(ttm) only.
HCBK' s P/E(ttm) Range Over the Past 10 Years
Min: 8.93  Med: 25.08 Max: 45.77
Current: 44.6
8.93
45.77
Forward P/E 232.56
HCBK's Forward P/E is ranked lower than
100% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.35 vs. HCBK: 232.56 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 44.00
HCBK's PE(NRI) is ranked lower than
94% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.35 vs. HCBK: 44.00 )
Ranked among companies with meaningful PE(NRI) only.
HCBK' s PE(NRI) Range Over the Past 10 Years
Min: 8.98  Med: 24.91 Max: 45.17
Current: 44
8.98
45.17
P/B 1.11
HCBK's P/B is ranked lower than
61% of the 2196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. HCBK: 1.11 )
Ranked among companies with meaningful P/B only.
HCBK' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 1.19 Max: 4.83
Current: 1.11
0.54
4.83
P/S 10.65
HCBK's P/S is ranked lower than
98% of the 2510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. HCBK: 10.65 )
Ranked among companies with meaningful P/S only.
HCBK' s P/S Range Over the Past 10 Years
Min: 2.11  Med: 7.83 Max: 717.5
Current: 10.65
2.11
717.5
PFCF 101.20
HCBK's PFCF is ranked lower than
99% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. HCBK: 101.20 )
Ranked among companies with meaningful PFCF only.
HCBK' s PFCF Range Over the Past 10 Years
Min: 2.71  Med: 15.25 Max: 103.9
Current: 101.2
2.71
103.9
POCF 101.20
HCBK's POCF is ranked lower than
98% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.29 vs. HCBK: 101.20 )
Ranked among companies with meaningful POCF only.
HCBK' s POCF Range Over the Past 10 Years
Min: 2.7  Med: 15.21 Max: 103.9
Current: 101.2
2.7
103.9
EV-to-EBIT 57.80
HCBK's EV-to-EBIT is ranked lower than
93% of the 2085 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.39 vs. HCBK: 57.80 )
Ranked among companies with meaningful EV-to-EBIT only.
HCBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -206.3  Med: 30.85 Max: 66.8
Current: 57.8
-206.3
66.8
EV-to-EBITDA 52.08
HCBK's EV-to-EBITDA is ranked lower than
94% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.12 vs. HCBK: 52.08 )
Ranked among companies with meaningful EV-to-EBITDA only.
HCBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 52.08
Current: 52.08
0
52.08
Shiller P/E 21.51
HCBK's Shiller P/E is ranked lower than
74% of the 678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.43 vs. HCBK: 21.51 )
Ranked among companies with meaningful Shiller P/E only.
HCBK' s Shiller P/E Range Over the Past 10 Years
Min: 9.16  Med: 19.15 Max: 29.59
Current: 21.51
9.16
29.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.19
HCBK's Dividend Yield is ranked lower than
86% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. HCBK: 1.19 )
Ranked among companies with meaningful Dividend Yield only.
HCBK' s Dividend Yield Range Over the Past 10 Years
Min: 1.15  Med: 3.17 Max: 9.38
Current: 1.19
1.15
9.38
Dividend Payout 0.51
HCBK's Dividend Payout is ranked lower than
75% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. HCBK: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
HCBK' s Dividend Payout Range Over the Past 10 Years
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
79% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. HCBK: -25.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HCBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 18.45 Max: 138.1
Current: -25.7
0
138.1
Forward Dividend Yield 1.58
HCBK's Forward Dividend Yield is ranked lower than
82% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. HCBK: 1.58 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.28
HCBK's Yield on cost (5-Year) is ranked lower than
97% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. HCBK: 0.28 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HCBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.27  Med: 0.76 Max: 2.24
Current: 0.28
0.27
2.24
3-Year Average Share Buyback Ratio -0.40
HCBK's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. HCBK: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HCBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.7  Med: 2.75 Max: 0
Current: -0.4
-0.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
HCBK's Price/Tangible Book is ranked lower than
54% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. HCBK: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
HCBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.39 Max: 5.51
Current: 1.15
0.62
5.51
Price/Projected FCF 0.56
HCBK's Price/Projected FCF is ranked higher than
59% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. HCBK: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
HCBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.78 Max: 2.55
Current: 0.56
0.31
2.55
Price/Median PS Value 1.36
HCBK's Price/Median PS Value is ranked lower than
88% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. HCBK: 1.36 )
Ranked among companies with meaningful Price/Median PS Value only.
HCBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.3  Med: 1.14 Max: 76.38
Current: 1.36
0.3
76.38
Price/Peter Lynch Fair Value 0.97
HCBK's Price/Peter Lynch Fair Value is ranked lower than
59% of the 628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. HCBK: 0.97 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HCBK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.43  Med: 1.06 Max: 2.17
Current: 0.97
0.43
2.17
Price/Graham Number 1.52
HCBK's Price/Graham Number is ranked lower than
89% of the 2050 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. HCBK: 1.52 )
Ranked among companies with meaningful Price/Graham Number only.
HCBK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.78  Med: 1.30 Max: 2.93
Current: 1.52
0.78
2.93
Earnings Yield (Greenblatt) (%) 1.70
HCBK's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HCBK: 1.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HCBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 2.60 Max: 4.6
Current: 1.7
1.5
4.6
Forward Rate of Return (Yacktman) (%) 22.97
HCBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. HCBK: 22.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HCBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 9.9  Med: 20.00 Max: 34.8
Current: 22.97
9.9
34.8

More Statistics

Revenue(Mil) $473
EPS $ 0.23
Short Percentage of Float1.72%
52-Week Range $8.79 - 10.77
Shares Outstanding(Mil)529.53

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) -0.04
EPS without NRI($) -0.04

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.
» More Articles for HCBK

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