Clifton Savings Bancorp Inc.
Clifton Savings Bancorp Inc. Fundamental Analysis
Clifton Savings Bancorp Inc. (CSBK) shows weak financial fundamentals with a PE ratio of 73.66, profit margin of 15.44%, and ROE of 1.54%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 30.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CSBK's fundamental strength across five key dimensions:
Efficiency Score
WeakCSBK struggles to generate sufficient returns from assets.
Valuation Score
ModerateCSBK shows balanced valuation metrics.
Growth Score
WeakCSBK faces weak or negative growth trends.
Financial Health Score
ModerateCSBK shows balanced financial health with some risks.
Profitability Score
ModerateCSBK maintains healthy but balanced margins.
Key Financial Metrics
Is CSBK Expensive or Cheap?
P/E Ratio
CSBK trades at 73.66 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, CSBK's PEG of 0.74 indicates potential undervaluation.
Price to Book
The market values Clifton Savings Bancorp Inc. at 1.17 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does CSBK Make Money?
Net Profit Margin
For every $100 in sales, Clifton Savings Bancorp Inc. keeps $15.44 as profit after all expenses.
Operating Margin
Core operations generate 22.53 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.54 in profit for every $100 of shareholder equity.
ROA
Clifton Savings Bancorp Inc. generates $0.33 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $0.46 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
73.66
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.74
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.17
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.93
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How CSBK Stacks Against Its Sector Peers
| Metric | CSBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 73.66 | 18.56 | Worse (Expensive) |
| ROE | 1.54% | 828.00% | Weak |
| Net Margin | 15.44% | -175.00% (disorted) | Strong |
| Debt/Equity | 0.93 | 1.00 | Neutral |
| Current Ratio | 0.00 | 663.54 | Weak Liquidity |
| ROA | 0.33% | -21308.00% (disorted) | Weak |
CSBK outperforms its industry in 1 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Clifton Savings Bancorp Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical