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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 17.53
ALLB's Cash to Debt is ranked higher than
63% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. ALLB: 17.53 )
Ranked among companies with meaningful Cash to Debt only.
ALLB' s Cash to Debt Range Over the Past 10 Years
Min: 0.29  Med: 17.53 Max: N/A
Current: 17.53
Equity to Asset 0.16
ALLB's Equity to Asset is ranked higher than
87% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ALLB: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
ALLB' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.14 Max: 0.18
Current: 0.16
0.08
0.18
Interest Coverage 1.14
ALLB's Interest Coverage is ranked lower than
63% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. ALLB: 1.14 )
Ranked among companies with meaningful Interest Coverage only.
ALLB' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.15 Max: 1.59
Current: 1.14
0.02
1.59
F-Score: 5
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 16.72
ALLB's Operating margin (%) is ranked lower than
79% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. ALLB: 16.72 )
Ranked among companies with meaningful Operating margin (%) only.
ALLB' s Operating margin (%) Range Over the Past 10 Years
Min: 1.75  Med: 9.37 Max: 23.21
Current: 16.72
1.75
23.21
Net-margin (%) 10.67
ALLB's Net-margin (%) is ranked lower than
82% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. ALLB: 10.67 )
Ranked among companies with meaningful Net-margin (%) only.
ALLB' s Net-margin (%) Range Over the Past 10 Years
Min: 5.46  Med: 9.57 Max: 16.57
Current: 10.67
5.46
16.57
ROE (%) 2.46
ALLB's ROE (%) is ranked lower than
86% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. ALLB: 2.46 )
Ranked among companies with meaningful ROE (%) only.
ALLB' s ROE (%) Range Over the Past 10 Years
Min: 1.21  Med: 2.64 Max: 4.05
Current: 2.46
1.21
4.05
ROA (%) 0.39
ALLB's ROA (%) is ranked lower than
77% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. ALLB: 0.39 )
Ranked among companies with meaningful ROA (%) only.
ALLB' s ROA (%) Range Over the Past 10 Years
Min: 0.14  Med: 0.31 Max: 0.6
Current: 0.39
0.14
0.6
Revenue Growth (3Y)(%) 11.00
ALLB's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. ALLB: 11.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ALLB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.3  Med: 11.00 Max: 20.5
Current: 11
-23.3
20.5
EBITDA Growth (3Y)(%) 51.10
ALLB's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. ALLB: 51.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ALLB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.3  Med: 18.50 Max: 51.1
Current: 51.1
-35.3
51.1
EPS Growth (3Y)(%) 44.20
ALLB's EPS Growth (3Y)(%) is ranked higher than
90% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. ALLB: 44.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ALLB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.8  Med: 10.10 Max: 44.2
Current: 44.2
-35.8
44.2
» ALLB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

ALLB Guru Trades in Q4 2014

Chuck Royce 40,162 sh (-2.86%)
» More
Q1 2015

ALLB Guru Trades in Q1 2015

Chuck Royce Sold Out
» More
Q2 2015

ALLB Guru Trades in Q2 2015

Jim Simons 29,889 sh (New)
» More
Q3 2015

ALLB Guru Trades in Q3 2015

Jim Simons 41,800 sh (+39.85%)
» More
» Details

Insider Trades

Latest Guru Trades with ALLB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 57.60
ALLB's P/E(ttm) is ranked lower than
96% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. ALLB: 57.60 )
Ranked among companies with meaningful P/E(ttm) only.
ALLB' s P/E(ttm) Range Over the Past 10 Years
Min: 24.36  Med: 51.32 Max: 283.87
Current: 57.6
24.36
283.87
PE(NRI) 57.10
ALLB's PE(NRI) is ranked lower than
95% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. ALLB: 57.10 )
Ranked among companies with meaningful PE(NRI) only.
ALLB' s PE(NRI) Range Over the Past 10 Years
Min: 24.61  Med: 49.88 Max: 293.33
Current: 57.1
24.61
293.33
P/B 1.45
ALLB's P/B is ranked lower than
81% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. ALLB: 1.45 )
Ranked among companies with meaningful P/B only.
ALLB' s P/B Range Over the Past 10 Years
Min: 0.64  Med: 1.10 Max: 2.47
Current: 1.45
0.64
2.47
P/S 6.28
ALLB's P/S is ranked lower than
96% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. ALLB: 6.28 )
Ranked among companies with meaningful P/S only.
ALLB' s P/S Range Over the Past 10 Years
Min: 2.84  Med: 4.71 Max: 27.14
Current: 6.28
2.84
27.14
PFCF 29.98
ALLB's PFCF is ranked lower than
90% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. ALLB: 29.98 )
Ranked among companies with meaningful PFCF only.
ALLB' s PFCF Range Over the Past 10 Years
Min: 5.33  Med: 18.38 Max: 291.67
Current: 29.98
5.33
291.67
POCF 24.22
ALLB's POCF is ranked lower than
90% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. ALLB: 24.22 )
Ranked among companies with meaningful POCF only.
ALLB' s POCF Range Over the Past 10 Years
Min: 5.16  Med: 17.32 Max: 122.86
Current: 24.22
5.16
122.86
EV-to-EBIT 21.67
ALLB's EV-to-EBIT is ranked lower than
76% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. ALLB: 21.67 )
Ranked among companies with meaningful EV-to-EBIT only.
ALLB' s EV-to-EBIT Range Over the Past 10 Years
Min: -509.6  Med: 7.40 Max: 341.3
Current: 21.67
-509.6
341.3
EV-to-EBITDA 18.17
ALLB's EV-to-EBITDA is ranked lower than
75% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. ALLB: 18.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
ALLB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 18.17
Current: 18.17
0
18.17
PEG 1.80
ALLB's PEG is ranked lower than
70% of the 626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. ALLB: 1.80 )
Ranked among companies with meaningful PEG only.
ALLB' s PEG Range Over the Past 10 Years
Min: 0.62  Med: 1.24 Max: 4.25
Current: 1.8
0.62
4.25
Shiller P/E 81.11
ALLB's Shiller P/E is ranked lower than
96% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.92 vs. ALLB: 81.11 )
Ranked among companies with meaningful Shiller P/E only.
ALLB' s Shiller P/E Range Over the Past 10 Years
Min: 50.48  Med: 58.89 Max: 81.87
Current: 81.11
50.48
81.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.99
ALLB's Dividend Yield is ranked lower than
90% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. ALLB: 0.99 )
Ranked among companies with meaningful Dividend Yield only.
ALLB' s Dividend Yield Range Over the Past 10 Years
Min: 0.37  Med: 1.45 Max: 3.31
Current: 0.99
0.37
3.31
Dividend Payout 0.59
ALLB's Dividend Payout is ranked lower than
80% of the 1434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. ALLB: 0.59 )
Ranked among companies with meaningful Dividend Payout only.
ALLB' s Dividend Payout Range Over the Past 10 Years
Min: 0.25  Med: 0.67 Max: 10
Current: 0.59
0.25
10
Dividend Growth (3y) 9.00
ALLB's Dividend Growth (3y) is ranked higher than
58% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. ALLB: 9.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ALLB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -10.90 Max: 18.6
Current: 9
0
18.6
Yield on cost (5-Year) 1.95
ALLB's Yield on cost (5-Year) is ranked lower than
73% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. ALLB: 1.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ALLB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.73  Med: 2.85 Max: 6.51
Current: 1.95
0.73
6.51
3-Year Average Share Buyback Ratio 9.70
ALLB's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1056 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ALLB: 9.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ALLB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.5  Med: 7.60 Max: 9.7
Current: 9.7
-28.5
9.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
ALLB's Price/Tangible Book is ranked lower than
72% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. ALLB: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
ALLB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.68  Med: 1.12 Max: 6.04
Current: 1.45
0.68
6.04
Price/Projected FCF 1.06
ALLB's Price/Projected FCF is ranked lower than
79% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. ALLB: 1.06 )
Ranked among companies with meaningful Price/Projected FCF only.
ALLB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.67  Med: 0.76 Max: 1.05
Current: 1.06
0.67
1.05
Price/Median PS Value 1.33
ALLB's Price/Median PS Value is ranked lower than
86% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. ALLB: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
ALLB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 0.99 Max: 5.75
Current: 1.33
0.63
5.75
Price/Peter Lynch Fair Value 2.28
ALLB's Price/Peter Lynch Fair Value is ranked lower than
94% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. ALLB: 2.28 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ALLB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.01  Med: 1.59 Max: 4.12
Current: 2.28
1.01
4.12
Price/Graham Number 1.95
ALLB's Price/Graham Number is ranked lower than
95% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. ALLB: 1.95 )
Ranked among companies with meaningful Price/Graham Number only.
ALLB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.94  Med: 1.52 Max: 5.17
Current: 1.95
0.94
5.17
Earnings Yield (Greenblatt) (%) 4.60
ALLB's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. ALLB: 4.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ALLB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 4.25 Max: 30.3
Current: 4.6
0.3
30.3
Forward Rate of Return (Yacktman) (%) 38.68
ALLB's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. ALLB: 38.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ALLB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.5  Med: 34.30 Max: 49.9
Current: 38.68
0.5
49.9

More Statistics

Revenue(Mil) $15
EPS $ 0.42
Short Percentage of Float0.08%
52-Week Range $15.51 - 25.22
Shares Outstanding(Mil)4.03

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Alliance Bancorp Inc Of Pennsylvania is a Pennsylvania corporation and a savings and loan holding company, which is a Pennsylvania chartered community oriented savings bank. Alliance Bank operates a total of eight banking offices located in Delaware and Chester Counties, Pennsylvania, which are suburbs of Philadelphia. Its primary business consists of attracting deposits from the general public and using those funds, together with funds it borrows, to originate loans to its customers and invest in securities such as U.S. Government and agency securities, mortgage-backed securities and municipal obligations. Its loan originations are obtained by a variety of sources, including referrals from real estate brokers, builders, existing customers, advertising, walk-in customers and, to a significant extent, mortgage brokers who obtain credit reports, appraisals and other documentation involved with a loan. In most cases, property valuations are performed by independent outside appraisers. Title and hazard insurance are generally required on all security property other than property securing a home equity loan, in which case the Company obtains a title opinion. The majority of the Company's loans are secured by property located in its primary lending area. The Company originates and, to a lesser extent, purchases mortgage loans for the acquisition and refinancing of existing multi-family residential and commercial real estate properties. The Company also originates residential and commercial construction loans, and to a limited degree, land acquisition and development loans. Construction loans are classified as either residential construction loans or commercial real estate construction loans at the time of origination, depending on the nature of the property securing the loan. The Company's construction lending activities generally are limited to the Company's primary market area. The Company's residential construction loans are primarily made to local real estate builders and developers for the purpose of constructing single-family homes and single-family residential developments. The Company offers consumer loans in order to provide a full range of financial services to its customers and because such loans generally have shorter terms and higher interest rates than mortgage loans. The Company has a commercial loan department, which provides a full range of commercial loan products to small business customers in its primary marketing area. These loans generally have shorter terms and higher interest rates as compared to mortgage loans. In addition to interest earned on loans, the Company receives income from fees in connection with loan originations, loan modifications, late payments, prepayments and for miscellaneous services related to its loans. The Company faces competition both in attracting deposits and making real estate loans. The Company is subject to supervision and regulation by the Board of Governors of the Federal R
» More Articles for ALLB

Headlines

Articles On GuruFocus.com
Alliance Bancorp Inc of Pennsylvania Reports Operating Results (10-Q) Nov 12 2010 
Alliance Bancorp Inc of Pennsylvania Reports Operating Results (10-Q) Aug 13 2010 
Alliance Bancorp Inc of Pennsylvania Reports Operating Results (10-Q) May 12 2010 
Alliance Bancorp Inc of Pennsylvania Reports Operating Results (10-Q) Nov 09 2009 
Alliance Bancorp Inc of Pennsylvania Reports Operating Results (10-Q) Aug 10 2009 
Alliance Bancorp Inc of Pennsylvania Reports Operating Results (10-Q) May 11 2009 

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