Company: Hudson City Bancorp Inc.

Financial Analysis

• For the past three years, calculate and discuss the importance of the following ratios:
  • Liquidity Ratiosworking capital, current ratio, quick/acid-test ratio, receivable turnover, average day's sales uncollected, inventory turnover, average day's inventory on hand, operating cycle
  • Profitability Ratiosprofit margin, asset turnover, return on assets, debt-to-equity ratio, return on equity
  • Long-term Solvency Ratiosdebt-to-equity ratio, debt to total assets, times interest earned, cash debt coverage
  • Cash Flow Ratioscash flow yield, cash flows to sales, cash flows to assets, free cash flow
  • Market Strength RatiosEarnings per share, price-earnings per share, payout ratio, book value per share
• Also,includeanoverviewofthecompany'soperatingsegmentsanddivisions/subsidiaries,ifapplicable.
• Conclusion

APA format 3-5 pages