Offers non-interest-bearing demand deposits, including individual and commercial checking accounts. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
The market pays 49.8× for every dollar this company earns in a year — a price that already assumes things go well.
Against companies in its own sector, it looks cheaper than 22% of them.
Analysts' average target sits 21% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 4 years, sales grew about 13% a year on average.
Over the last 12 months, company executives reported 140 buys and 20 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.05 per share each year — regular cash for whoever holds the stock.
The company’s market value is 50 times its annual profit. Even a small disappointment could hit the price hard.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 22/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 45/100.
On our five-subject report card, CLBK sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: CLBK is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Analysts’ average target sits above today’s price, yet the valuation grade (22/100) says the stock isn’t cheap.