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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
55% of the 1736 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.91 vs. HCBK: 0.02 )
HCBK' s 10-Year Cash to Debt Range
Min: 0.01   Max: N/A
Current: 0.02

Equity to Asset 0.13
HCBK's Equity to Asset is ranked higher than
86% of the 2309 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 0.36
HCBK's Interest Coverage is ranked higher than
53% of the 2192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. HCBK: 0.36 )
HCBK' s 10-Year Interest Coverage Range
Min: 0.33   Max: 9999.99
Current: 0.36

0.33
9999.99
F-Score: 2
Z-Score: 0.27
WACC vs ROIC
8.45%
1.13%
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 (%) 41.54
HCBK's Operating margin (%) is ranked higher than
87% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.39 vs. HCBK: 41.54 )
HCBK' s 10-Year Operating margin (%) Range
Min: -2426.7   Max: 77.59
Current: 41.54

-2426.7
77.59
Net-margin (%) 24.93
HCBK's Net-margin (%) is ranked higher than
79% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.16 vs. HCBK: 24.93 )
HCBK' s 10-Year Net-margin (%) Range
Min: -67.22   Max: 4587.17
Current: 24.93

-67.22
4587.17
ROE (%) 2.53
HCBK's ROE (%) is ranked higher than
53% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.01 vs. HCBK: 2.53 )
HCBK' s 10-Year ROE (%) Range
Min: -14.62   Max: 17.51
Current: 2.53

-14.62
17.51
ROA (%) 0.33
HCBK's ROA (%) is ranked higher than
56% of the 2427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HCBK: 0.33 )
HCBK' s 10-Year ROA (%) Range
Min: -1.38   Max: 1.5
Current: 0.33

-1.38
1.5
ROC (Joel Greenblatt) (%) 343.50
HCBK's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 2386 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 90.48 vs. HCBK: 343.50 )
HCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1792.61   Max: 1278.92
Current: 343.5

-1792.61
1278.92
Revenue Growth (3Y)(%) -20.70
HCBK's Revenue Growth (3Y)(%) is ranked higher than
50% of the 2096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. HCBK: -20.70 )
HCBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   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

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
Q3 2014

HCBK Guru Trades in Q3 2014

Jim Simons 138,000 sh (New)
First Eagle Investment 50,000 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
» 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) 40.50
HCBK's P/E(ttm) is ranked higher than
60% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. HCBK: 40.50 )
HCBK' s 10-Year P/E(ttm) Range
Min: 8.93   Max: 44.26
Current: 40.5

8.93
44.26
Forward P/E 238.10
HCBK's Forward P/E is ranked higher than
61% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HCBK: 238.10 )
N/A
PE(NRI) 39.10
HCBK's PE(NRI) is ranked higher than
65% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. HCBK: 39.10 )
HCBK' s 10-Year PE(NRI) Range
Min: 8.98   Max: 43.71
Current: 39.1

8.98
43.71
P/B 1.00
HCBK's P/B is ranked higher than
82% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. HCBK: 1.00 )
HCBK' s 10-Year P/B Range
Min: 0.54   Max: 5.45
Current: 1

0.54
5.45
P/S 9.91
HCBK's P/S is ranked lower than
64% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.74 vs. HCBK: 9.91 )
HCBK' s 10-Year P/S Range
Min: 2.11   Max: 717.5
Current: 9.91

2.11
717.5
PFCF 51.00
HCBK's PFCF is ranked higher than
68% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HCBK: 51.00 )
HCBK' s 10-Year PFCF Range
Min: 2.71   Max: 55.21
Current: 51

2.71
55.21
POCF 49.37
HCBK's POCF is ranked higher than
71% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 152.54 vs. HCBK: 49.37 )
HCBK' s 10-Year POCF Range
Min: 2.7   Max: 55.21
Current: 49.37

2.7
55.21
EV-to-EBIT 53.79
HCBK's EV-to-EBIT is ranked higher than
61% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.11 vs. HCBK: 53.79 )
HCBK' s 10-Year EV-to-EBIT Range
Min: -206.3   Max: 80.6
Current: 53.79

-206.3
80.6
Shiller P/E 33.10
HCBK's Shiller P/E is ranked higher than
73% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HCBK: 33.10 )
HCBK' s 10-Year Shiller P/E Range
Min: 8.14   Max: 39.52
Current: 33.1

8.14
39.52
Days Sales Outstanding 21.68
HCBK's Days Sales Outstanding is ranked higher than
95% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HCBK: 21.68 )
HCBK' s 10-Year Days Sales Outstanding Range
Min: 20.92   Max: 11269.05
Current: 21.68

20.92
11269.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.66
HCBK's Dividend Yield is ranked lower than
66% of the 2273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. HCBK: 1.66 )
HCBK' s 10-Year Dividend Yield Range
Min: 1.53   Max: 9.38
Current: 1.66

1.53
9.38
Dividend Payout 0.66
HCBK's Dividend Payout is ranked higher than
66% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. HCBK: 0.66 )
HCBK' s 10-Year Dividend Payout Range
Min: 0.21   Max: 4
Current: 0.66

0.21
4
Dividend growth (3y) -25.70
HCBK's Dividend growth (3y) is ranked higher than
60% of the 1374 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. HCBK: -25.70 )
HCBK' s 10-Year Dividend growth (3y) Range
Min: 0   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
90% of the 2281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. HCBK: 0.41 )
HCBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 2.24
Current: 0.41

0.37
2.24
Share Buyback Rate -0.40
HCBK's Share Buyback Rate is ranked higher than
81% of the 1718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. HCBK: -0.40 )
HCBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.7
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
HCBK's Price/Tangible Book is ranked higher than
83% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. HCBK: 1.10 )
HCBK' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 5.53
Current: 1.1

0.62
5.53
Price/DCF (Projected) 0.50
HCBK's Price/DCF (Projected) is ranked higher than
92% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HCBK: 0.50 )
HCBK' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 2.06
Current: 0.5

0.31
2.06
Price/Median PS Value 1.20
HCBK's Price/Median PS Value is ranked higher than
75% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HCBK: 1.20 )
HCBK' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 76.38
Current: 1.2

0.29
76.38
Price/Peter Lynch Fair Value 1.40
HCBK's Price/Peter Lynch Fair Value is ranked higher than
91% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HCBK: 1.40 )
HCBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 2.17
Current: 1.4

0.43
2.17
Price/Graham Number 1.40
HCBK's Price/Graham Number is ranked higher than
67% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HCBK: 1.40 )
HCBK' s 10-Year Price/Graham Number Range
Min: 0.78   Max: 2.95
Current: 1.4

0.78
2.95
Earnings Yield (Greenblatt) 1.90
HCBK's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. HCBK: 1.90 )
HCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 4.6
Current: 1.9

1.2
4.6
Forward Rate of Return (Yacktman) 17.73
HCBK's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.45 vs. HCBK: 17.73 )
HCBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.9   Max: 34.8
Current: 17.73

9.9
34.8

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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