Based on the aggregated intelligence of 180,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, bank holding company Hudson City Bancorp (Nasdaq: HCBK) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Hudson City's business and see what CAPS investors are saying about the stock right now.

Hudson City facts

Headquarters (Founded) Paramus, N.J. (1868)
Market Cap $4.3 billion
Industry Savings and loans
Trailing-12-Month Revenue $1.17 billion
Management Chairman/CEO Ronald Hermance Jr.
CFO James Kranz
Return on Equity (Average, Past 3 Years) 5.7%
Dividend Yield 3.9%

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 94% of the 765 members who have rated Hudson City believe the stock will outperform the S&P 500 going forward. These bulls include Brooer and London2485.

A few months ago, Brooer tapped the stock as a bankable bargain opportunity:

Good management team allowed Hudson to weather the banking crisis better than most. Current problems temporary. Five to ten years down the road those who invest now may be handsomely rewarded.

In fact, Hudson City currently sports a cheapish price-to-book of 0.9. That represents a discount to much larger counterparts M&T Bank (NYSE: MTB) (1.4), US Bancorp (NYSE: USB) (1.7), and Wells Fargo (NYSE: WFC) (1.2).

CAPS member London2485 elaborates on the bull case:

Hudson City Bancorp was not a financial institution that needed federal bailout money. That fact alone should put this regional bank on a "company to watch" list. ... HCBK caters to a middle-upper class community in the metro-NYC region, so the risk of sub-prime loans are relatively small (and the bank has consistently followed conservative accounting practices). ... HCBK will pull through these "murky" times.

What do you think about Hudson City -- or any other stock, for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. The Fool owns shares of and has created a ratio put spread position on Wells Fargo. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Fool's disclosure policy always gets a perfect score.