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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 : 5/10

vs
industry
vs
history
Cash to Debt 24.52
ALLB's Cash to Debt is ranked higher than
86% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. ALLB: 24.52 )
ALLB' s 10-Year Cash to Debt Range
Min: 0.29   Max: No Debt
Current: 24.52

Equity to Asset 0.15
ALLB's Equity to Asset is ranked higher than
93% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ALLB: 0.15 )
ALLB' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.18
Current: 0.15

0.08
0.18
Interest Coverage 0.88
ALLB's Interest Coverage is ranked higher than
62% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 0.29
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 (%) 18.59
ALLB's Operating margin (%) is ranked higher than
60% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. ALLB: 18.59 )
ALLB' s 10-Year Operating margin (%) Range
Min: -257.22   Max: 19.84
Current: 18.59

-257.22
19.84
Net-margin (%) 11.73
ALLB's Net-margin (%) is ranked higher than
59% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. ALLB: 11.73 )
ALLB' s 10-Year Net-margin (%) Range
Min: 5.46   Max: 31.3
Current: 11.73

5.46
31.3
ROE (%) 2.50
ALLB's ROE (%) is ranked higher than
54% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. ALLB: 2.50 )
ALLB' s 10-Year ROE (%) Range
Min: 1.21   Max: 12.39
Current: 2.5

1.21
12.39
ROA (%) 0.41
ALLB's ROA (%) is ranked higher than
61% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. ALLB: 0.41 )
ALLB' s 10-Year ROA (%) Range
Min: 0.14   Max: 1.17
Current: 0.41

0.14
1.17
ROC (Joel Greenblatt) (%) 129.54
ALLB's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. ALLB: 129.54 )
ALLB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.66   Max: 145.11
Current: 129.54

2.66
145.11
Revenue Growth (%) 4.60
ALLB's Revenue Growth (%) is ranked higher than
85% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ALLB: 4.60 )
ALLB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 54.2
Current: 4.6

0
54.2
EBITDA Growth (%) 27.50
ALLB's EBITDA Growth (%) is ranked higher than
92% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ALLB: 27.50 )
ALLB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 37.4
Current: 27.5

0
37.4
EPS Growth (%) 13.20
ALLB's EPS Growth (%) is ranked higher than
80% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ALLB: 13.20 )
ALLB' s 10-Year EPS Growth (%) 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

Q3 2013

ALLB Guru Trades in Q3 2013

Chuck Royce 41,344 sh (unchged)
» More
Q4 2013

ALLB Guru Trades in Q4 2013

Chuck Royce 41,344 sh (unchged)
» More
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
» 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) 39.00
ALLB's P/E(ttm) is ranked higher than
59% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. ALLB: 39.00 )
ALLB' s 10-Year P/E(ttm) Range
Min: 24.36   Max: 283.87
Current: 39

24.36
283.87
P/B 1.00
ALLB's P/B is ranked higher than
79% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ALLB: 1.00 )
ALLB' s 10-Year P/B Range
Min: 0.64   Max: 2.47
Current: 1

0.64
2.47
P/S 4.72
ALLB's P/S is ranked higher than
60% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. ALLB: 4.72 )
ALLB' s 10-Year P/S Range
Min: 2.84   Max: 27.14
Current: 4.72

2.84
27.14
PFCF 16.70
ALLB's PFCF is ranked higher than
78% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ALLB: 16.70 )
ALLB' s 10-Year PFCF Range
Min: 5.33   Max: 478
Current: 16.7

5.33
478
EV-to-EBIT 7.82
ALLB's EV-to-EBIT is ranked higher than
92% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. ALLB: 7.82 )
ALLB' s 10-Year EV-to-EBIT Range
Min: -509.6   Max: 341.3
Current: 7.82

-509.6
341.3
PEG 1.43
ALLB's PEG is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ALLB: 1.43 )
ALLB' s 10-Year PEG Range
Min: 0.61   Max: 6.3
Current: 1.43

0.61
6.3
Shiller P/E 53.87
ALLB's Shiller P/E is ranked higher than
72% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.85 vs. ALLB: 53.87 )
ALLB' s 10-Year Shiller P/E Range
Min: 31.3   Max: 63.58
Current: 53.87

31.3
63.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
ALLB's Dividend Yield is ranked lower than
75% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. ALLB: 1.30 )
ALLB' s 10-Year Dividend Yield Range
Min: 0.37   Max: 3.31
Current: 1.3

0.37
3.31
Dividend Payout 0.50
ALLB's Dividend Payout is ranked higher than
62% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.46 vs. ALLB: 0.50 )
ALLB' s 10-Year Dividend Payout Range
Min: 0.25   Max: 10
Current: 0.5

0.25
10
Dividend growth (3y) 18.60
ALLB's Dividend growth (3y) is ranked higher than
88% of the 1059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 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) 2.80
ALLB's Yield on cost (5-Year) is ranked higher than
53% of the 1522 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. ALLB: 2.80 )
ALLB' s 10-Year Yield on cost (5-Year) Range
Min: 0.8   Max: 7.13
Current: 2.8

0.8
7.13
Share Buyback Rate 3.30
ALLB's Share Buyback Rate is ranked higher than
96% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.01
ALLB's Price/Tangible Book is ranked higher than
83% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. ALLB: 1.01 )
ALLB' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 6.04
Current: 1.01

0.68
6.04
Price/DCF (Projected) 0.73
ALLB's Price/DCF (Projected) is ranked higher than
79% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. ALLB: 0.73 )
ALLB' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 0.88
Current: 0.73

0.67
0.88
Price/Median PS Value 1.01
ALLB's Price/Median PS Value is ranked higher than
82% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. ALLB: 1.01 )
ALLB' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 5.78
Current: 1.01

0.64
5.78
Price/Peter Lynch Fair Value 1.56
ALLB's Price/Peter Lynch Fair Value is ranked higher than
88% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ALLB: 1.56 )
ALLB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.01   Max: 6.19
Current: 1.56

1.01
6.19
Price/Graham Number 1.28
ALLB's Price/Graham Number is ranked higher than
65% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. ALLB: 1.28 )
ALLB' s 10-Year Price/Graham Number Range
Min: 0.94   Max: 4.71
Current: 1.28

0.94
4.71
Earnings Yield (Greenblatt) 12.80
ALLB's Earnings Yield (Greenblatt) is ranked higher than
91% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ALLB: 12.80 )
ALLB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 30.3
Current: 12.8

0.3
30.3
Forward Rate of Return (Yacktman) 32.65
ALLB's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. ALLB: 32.65 )
ALLB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 48.4
Current: 32.65

2.5
48.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Alliance Bancorp Inc Of Pennsylvania is a Pennsylvania corporation. The Company is a savings and loan holding company which owns 100% of the capital stock of Alliance Bank. The Bank is a community oriented savings bank headquartered in Broomall, Pennsylvania. The Bank is mainly engaged in attracting deposits from the general public through its branch offices and using such deposits mainly to originate and purchase loans secured by first liens on single-family residential and commercial real estate properties, and invest in securities issued by the United States Government and agencies thereof, municipal and corporate debt securities and certain mutual funds. The Bank derives its income mainly from interest earned on loans, mortgage-backed securities and investments and, to a lesser extent, from fees received in connection with the origination of loans and for other services. The Bank's main expenses are interest expense on deposits and borrowings and general operating expenses. The Bank's deposit products include a selection of deposit instruments, including NOW accounts, money market accounts, regular savings accounts and term certificate accounts. It attracts deposit accounts by offering a variety of accounts, competitive interest rates, and convenient office locations and service hours. In addition, the Bank maintains automated teller machines at its Broomall, Concordville, Havertown, Springfield, Lansdowne, Paoli, and Secane offices. The Bank utilizes traditional marketing methods to attract new customers and savings deposits, including print media advertising and direct mailings. The Bank faces strong competition both in attracting deposits and making real estate loans. Its direct competition for deposits has historically come from other savings associations, credit unions and commercial banks located in eastern Pennsylvania, including many large financial institutions. The Bank is subject to regulation by the Pennsylvania Department of Banking, as its chartering authority and main regulator, and by the Federal Deposit Insurance Corporation, which insures the Bank's deposits up to applicable limits.

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