1. Financial Services

  2. •

    Financial - Mortgages
Clifton Savings Bancorp Inc.

Clifton Savings Bancorp Inc.

CSBK
Clifton Savings Bancorp Inc.US flagNASDAQ
15.65
USD
+0.07
- -
2005 Y
2006 Y
2007 Y
2008 Y
2009 Y
2010 Y
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
TTM
Revenue per Share
0.66
0.62
0.58
0.57
0.76
0.89
1.08
1.02
0.97
1.01
1.19
1.15
1.38
1.59
Basic EPS, GAAP
0.18
0.13
0.09
0.09
0.2
0.24
0.34
0.31
0.26
0.25
0.33
0.22
0.21
0.21
Free Cash Flow per Basic Share
0.24
0.24
0.22
0.14
0.28
0.2
0.31
0.31
- -
0.19
0.31
0.31
0.46
0.47
Dividend per Share
0.06
0.09
0.08
0.08
0.07
0.07
0.08
0.08
0.24
0.18
0.3
0.3
0.24
0.49
Book Value per Share
2.72
2.79
2.88
3.04
3.27
3.44
3.77
4.02
4.04
4.11
4.12
4.22
4.62
4.52
Tangible Book Value per Share
- -
- -
- -
- -
6.67
6.78
7.04
7.34
7.37
7.65
14.41
12.88
13.35
13.27
Basic Weighted Avg Shares
29
29
28
27
26
26
26
25
25
25
26
24
22
21
Sales/Revenue/Turnover
19
18
16
15
20
23
28
26
25
26
30
28
31
34
Operating Margin (%)
45.49
32.09
23.47
19.76
38.24
40.83
49.59
46.64
40.62
38.4
41.45
28.26
22.53
27.19
Depreciation Expense
1
1
1
1
1
- -
1
- -
- -
- -
- -
1
1
1
Net Income, GAAP
5
4
2
2
5
6
9
8
7
6
9
5
5
5
Effective Tax Rate (%)
39.96
36.68
35.34
21.15
31.52
33.32
35.62
34.64
34.14
34.59
32.21
32
31.45
50.69
Profit Margin (%)
27.31
20.32
15.17
15.58
26.19
27.23
31.92
30.49
26.75
25.11
28.1
19.21
15.44
13.41
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
75
58
45
142
144
124
96
79
52
142
108
232
276
436
Total Equity
- -
- -
- -
- -
173
176
180
186
187
194
368
315
297
284
Return on Invested Capital (%)
14.03
5.51
4.79
2.53
2.23
2.04
3.06
2.91
2.62
2.24
2.11
1.06
0.84
0.72
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
6.74
4.54
3.04
2.91
6.17
7.23
9.49
7.94
6.46
6.25
8.16
5.18
4.58
4.59

Capital Structure

FRC

•

in mil. unless spec.
Jun'18
Sep'18
Dec'18
ST Debt
- -
- -
- -
LT Borrowings
325
341
436
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
22
22
22
Market Capitalization
358
359
365

Working Capital

FRC

•

in mil. unless spec.
Jun'18
Sep'18
Dec'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
48
16
53
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
11
4
5
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
14.68%
-5.92%
Free Cash Flow
-597.82%
-1,210.53%
34.77%
Net Income, GAAP
12.91%
-7.08%
-12.57%
Sales/Revenue/Turnover
7.23%
3.83%
8.77%
Total Cash Common Dividend
19.04%
40.03%
-27.18%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
7
7
7
7
28
2017
7
8
8
8
31
2018
8
9
9
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.07
0.06
0.06
0.04
0.22
2017
0.04
0.06
0.06
0.06
0.21
2018
0.07
0.11
-0.02
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.12
0.06
0.06
0.06
0.3
2017
0.06
0.06
0.06
0.06
0.24
2018
0.06
0.31
0.06
- -
- -

Company Description

APIChat
Sector
Financial Services
Industry
Financial - Mortgages
Address
IPO Date
Mar 4, 2004
CIK
0001240581
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Business
Clifton Savings Bancorp Inc. (CSBK) is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank, a federally chartered savings bank headquartered in Clifton, New Jersey. Founded in 1928, the company provides community-oriented financial services to consumers and businesses primarily in northern New Jersey, including Bergen, Passaic, Essex, Morris, Hudson, and Union counties, through its main office and 11 branch locations. Clifton Savings Bank offers deposit products such as checking accounts, business checking, high-yield checking, passbook savings, statement savings, club accounts, certificates of deposit, and money market accounts; it originates and holds one- to four-family residential mortgages, multi-family residential loans, commercial real estate loans, construction loans, and consumer loans. A wholly owned subsidiary, Botany Inc., supports investment activities. The bank attracts deposits from the general public and deploys funds into its loan portfolio for investment purposes. In a major strategic change, the company, formerly known as Clifton Savings Bancorp Inc., rebranded to Clifton Bancorp Inc. to reflect its evolving operations as a publicly traded entity following its 2014 mutual-to-stock conversion. It faced a proposed acquisition by Kearny Financial Corp. in 2018, which added significant branches and assets but ultimately integrated operations without delisting the ticker at that time; recent data as of 2025 indicates ongoing independent trading activity with quarterly earnings beats, such as $0.10 per share on $8.56 million revenue, and a dividend yield around 1.53%. No new partnerships, funding rounds, or expansions were reported in the last 1-2 years, maintaining focus on its core retail banking segments in the New Jersey market.