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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 17.85
ALLB's Cash to Debt is ranked higher than
85% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. ALLB: 17.85 )
ALLB' s 10-Year Cash to Debt Range
Min: 0.29   Max: No Debt
Current: 17.85

Equity to Asset 0.16
ALLB's Equity to Asset is ranked higher than
93% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ALLB: 0.16 )
ALLB' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.18
Current: 0.16

0.08
0.18
Interest Coverage 0.88
ALLB's Interest Coverage is ranked higher than
63% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. ALLB: 0.88 )
ALLB' s 10-Year Interest Coverage Range
Min: 0.02   Max: 9999.99
Current: 0.88

0.02
9999.99
F-Score: 7
Z-Score: 0.33
WACC vs ROIC
4.43%
8.66%
WACC
ROIC
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 : 8/10

vs
industry
vs
history
Operating margin (%) 20.27
ALLB's Operating margin (%) is ranked higher than
62% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. ALLB: 20.27 )
ALLB' s 10-Year Operating margin (%) Range
Min: -257.22   Max: 19.84
Current: 20.27

-257.22
19.84
Net-margin (%) 12.68
ALLB's Net-margin (%) is ranked higher than
60% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. ALLB: 12.68 )
ALLB' s 10-Year Net-margin (%) Range
Min: 5.46   Max: 31.3
Current: 12.68

5.46
31.3
ROE (%) 2.84
ALLB's ROE (%) is ranked higher than
56% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. ALLB: 2.84 )
ALLB' s 10-Year ROE (%) Range
Min: 1.21   Max: 12.39
Current: 2.84

1.21
12.39
ROA (%) 0.46
ALLB's ROA (%) is ranked higher than
62% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ALLB: 0.46 )
ALLB' s 10-Year ROA (%) Range
Min: 0.14   Max: 1.17
Current: 0.46

0.14
1.17
ROC (Joel Greenblatt) (%) 149.46
ALLB's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. ALLB: 149.46 )
ALLB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.66   Max: 145.11
Current: 149.46

2.66
145.11
Revenue Growth (3Y)(%) 4.60
ALLB's Revenue Growth (3Y)(%) is ranked higher than
85% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. ALLB: 4.60 )
ALLB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 54.2
Current: 4.6

0
54.2
EBITDA Growth (3Y)(%) 27.50
ALLB's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ALLB: 27.50 )
ALLB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 54.4
Current: 27.5

0
54.4
EPS Growth (3Y)(%) 13.20
ALLB's EPS Growth (3Y)(%) is ranked higher than
81% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ALLB: 13.20 )
ALLB' s 10-Year EPS Growth (3Y)(%) Range
Min: -35.8   Max: 33.9
Current: 13.2

-35.8
33.9
» ALLB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

ALLB Guru Trades in Q1 2014

Chuck Royce 41,344 sh (unchged)
» More
Q2 2014

ALLB Guru Trades in Q2 2014

Chuck Royce 41,344 sh (unchged)
» More
Q3 2014

ALLB Guru Trades in Q3 2014

Chuck Royce 41,344 sh (unchged)
» More
Q4 2014

ALLB Guru Trades in Q4 2014

Chuck Royce 40,162 sh (-2.86%)
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 43.70
ALLB's P/E(ttm) is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. ALLB: 43.70 )
ALLB' s 10-Year P/E(ttm) Range
Min: 24.36   Max: 283.87
Current: 43.7

24.36
283.87
PE(NRI) 43.70
ALLB's PE(NRI) is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. ALLB: 43.70 )
ALLB' s 10-Year PE(NRI) Range
Min: 24.61   Max: 293.33
Current: 43.7

24.61
293.33
P/B 1.30
ALLB's P/B is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. ALLB: 1.30 )
ALLB' s 10-Year P/B Range
Min: 0.64   Max: 2.47
Current: 1.3

0.64
2.47
P/S 5.80
ALLB's P/S is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. ALLB: 5.80 )
ALLB' s 10-Year P/S Range
Min: 2.75   Max: 27.14
Current: 5.8

2.75
27.14
PFCF 22.00
ALLB's PFCF is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ALLB: 22.00 )
ALLB' s 10-Year PFCF Range
Min: 5.33   Max: 478
Current: 22

5.33
478
POCF 19.56
ALLB's POCF is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. ALLB: 19.56 )
ALLB' s 10-Year POCF Range
Min: 5.16   Max: 380.9
Current: 19.56

5.16
380.9
EV-to-EBIT 13.66
ALLB's EV-to-EBIT is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. ALLB: 13.66 )
ALLB' s 10-Year EV-to-EBIT Range
Min: -509.6   Max: 341.3
Current: 13.66

-509.6
341.3
PEG 1.15
ALLB's PEG is ranked higher than
93% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ALLB: 1.15 )
ALLB' s 10-Year PEG Range
Min: 0.63   Max: 4.7
Current: 1.15

0.63
4.7
Shiller P/E 65.50
ALLB's Shiller P/E is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ALLB: 65.50 )
ALLB' s 10-Year Shiller P/E Range
Min: 31   Max: 66.03
Current: 65.5

31
66.03
Days Sales Outstanding 34.78
ALLB's Days Sales Outstanding is ranked higher than
87% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ALLB: 34.78 )
ALLB' s 10-Year Days Sales Outstanding Range
Min: 33.98   Max: 66.79
Current: 34.78

33.98
66.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
ALLB's Dividend Yield is ranked lower than
80% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. ALLB: 1.10 )
ALLB' s 10-Year Dividend Yield Range
Min: 0.37   Max: 3.31
Current: 1.1

0.37
3.31
Dividend Payout 0.46
ALLB's Dividend Payout is ranked higher than
69% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. ALLB: 0.46 )
ALLB' s 10-Year Dividend Payout Range
Min: 0.25   Max: 12.5
Current: 0.46

0.25
12.5
Dividend growth (3y) 18.60
ALLB's Dividend growth (3y) is ranked higher than
89% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. ALLB: 18.60 )
ALLB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 18.6
Current: 18.6

0
18.6
Yield on cost (5-Year) 1.26
ALLB's Yield on cost (5-Year) is ranked lower than
67% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. ALLB: 1.26 )
ALLB' s 10-Year Yield on cost (5-Year) Range
Min: 0.42   Max: 3.8
Current: 1.26

0.42
3.8
Share Buyback Rate 3.30
ALLB's Share Buyback Rate is ranked higher than
96% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. ALLB: 3.30 )
ALLB' s 10-Year Share Buyback Rate Range
Min: 9   Max: -28.1
Current: 3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
ALLB's Price/Tangible Book is ranked higher than
82% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. ALLB: 1.30 )
ALLB' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 6.04
Current: 1.3

0.68
6.04
Price/DCF (Projected) 0.91
ALLB's Price/DCF (Projected) is ranked higher than
84% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. ALLB: 0.91 )
ALLB' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 4.53
Current: 0.91

0.67
4.53
Price/Median PS Value 1.24
ALLB's Price/Median PS Value is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. ALLB: 1.24 )
ALLB' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 5.78
Current: 1.24

0.64
5.78
Price/Peter Lynch Fair Value 1.74
ALLB's Price/Peter Lynch Fair Value is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ALLB: 1.74 )
ALLB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.01   Max: 4.56
Current: 1.74

1.01
4.56
Price/Graham Number 1.58
ALLB's Price/Graham Number is ranked higher than
70% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ALLB: 1.58 )
ALLB' s 10-Year Price/Graham Number Range
Min: 0.94   Max: 4.71
Current: 1.58

0.94
4.71
Earnings Yield (Greenblatt) 7.30
ALLB's Earnings Yield (Greenblatt) is ranked higher than
82% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. ALLB: 7.30 )
ALLB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 30.3
Current: 7.3

0.3
30.3
Forward Rate of Return (Yacktman) 36.94
ALLB's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. ALLB: 36.94 )
ALLB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.5   Max: 49
Current: 36.94

0.5
49

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 strong 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 Re
» 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 

More From Other Websites
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Alliance Bancorp, Inc. of Pennsylvania Reports Revised Fourth Quarter and Year End Results Mar 04 2014

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