Clifton Bancorp Inc.
Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $4.7M | $5.4M | $8.6M | $6.5M | $6.6M |
| Total assets | $1.43B | $1.25B | $1.19B | $1.27B | $1.02B |
| Total liabilities | $1.14B | $937.9M | $818.9M | $1.07B | $828.8M |
| Equity | $296.6M | $315.3M | $368.0M | $194.1M | $187.3M |
| EPS (diluted) | $0.21 | $0.22 | $0.33 | $0.25 | $0.26 |
| Shares out. | 22.3M | 23.8M | 26.1M | 26.6M | 26.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.6%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 79.3%
- Debt / equity
- 3.83×
- Book value / share
- $13.30
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −12.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2017- Accruals / assets
- −0.5%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Smith Joseph CDirector | Apr 2, 2018 | D | 113,958 | $0.00 |
| Sisco CynthiaDirector | Apr 2, 2018 | D | 123,240 | $0.00 |
| Scriveri DianeOfficer — Executive Vice President | Apr 2, 2018 | D | 3,700 | $0.00 |
| Pivirotto Charles JDirector | Apr 2, 2018 | D | 21,218 | $0.00 |
| Piano Christine ROfficer — EVP, CFO & Treasurer | Apr 2, 2018 | D | 54,995 | $0.00 |
| Peto John HDirector | Apr 2, 2018 | D | 40,285 | $0.00 |
| Lesler MichaelOfficer — EVP & Chief Operating Officer | Apr 2, 2018 | D | 4,907 | $0.00 |
| Hrotko PatriciaOfficer — Executive Vice President | Apr 2, 2018 | D | 8,706 | $0.00 |
| Hoogerhyde Stephen AOfficer — Executive Vice President | Apr 2, 2018 | D | 40,544 | $0.00 |
| Aguggia Paul MOfficer — Chairman, President & CEO | Apr 2, 2018 | D | 84,630 | $0.00 |
| Adzima StephenDirector | Apr 2, 2018 | D | 29,443.816 | $0.00 |
| Sisco CynthiaDirector | Dec 4, 2017 | Option exercise | 72,453 | $9.03 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Other material eventMar 14, 2018
- Shareholder vote · Other material eventMar 5, 2018
- Other material eventFeb 20, 2018
- Results of operationsFeb 1, 2018
- Entered a material agreement · Director / officer change · Amended charter or bylaws · Other material eventNov 2, 2017
- Results of operationsNov 2, 2017
- Shareholder vote · Other material eventAug 11, 2017
- Regulation FD disclosureAug 7, 2017
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/AFeb 13, 2019
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT DATED APRIL 19Apr 19, 2018
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT DATED APRIL 19Apr 19, 2018
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT DATED APRIL 19Apr 19, 2018
- 15-12BFORM 15 CLIFTON BANCORP, INC. APRIL 12, 2018Apr 12, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
- 4Apr 3, 2018
Event-driven situations (1)
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