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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 0.23
ALNC's Cash to Debt is ranked lower than
93% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ALNC: 0.23 )
ALNC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.23

Interest Coverage -1.40
ALNC's Interest Coverage is ranked lower than
78% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. ALNC: -1.40 )
ALNC' s 10-Year Interest Coverage Range
Min: -1   Max: 0
Current: -1.4

-1
0
F-Score: 5
Z-Score: 0.37
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 : 6/10

vs
industry
vs
history
Operating margin (%) 20.90
ALNC's Operating margin (%) is ranked lower than
72% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. ALNC: 20.90 )
ALNC' s 10-Year Operating margin (%) Range
Min: 19.9   Max: 29.5
Current: 20.9

19.9
29.5
Net-margin (%) 15.80
ALNC's Net-margin (%) is ranked lower than
71% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. ALNC: 15.80 )
ALNC' s 10-Year Net-margin (%) Range
Min: 15   Max: 21.8
Current: 15.8

15
21.8
ROE (%) 6.30
ALNC's ROE (%) is ranked lower than
71% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. ALNC: 6.30 )
ALNC' s 10-Year ROE (%) Range
Min: 6.3   Max: 12.1
Current: 6.3

6.3
12.1
ROA (%) 0.70
ALNC's ROA (%) is ranked lower than
71% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. ALNC: 0.70 )
ALNC' s 10-Year ROA (%) Range
Min: 0.6   Max: 1
Current: 0.7

0.6
1
ROC (Joel Greenblatt) (%) 11.20
ALNC's ROC (Joel Greenblatt) (%) is ranked lower than
72% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. ALNC: 11.20 )
ALNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.2   Max: 34226.8
Current: 11.2

7.2
34226.8
Revenue Growth (%) -3.30
ALNC's Revenue Growth (%) is ranked lower than
82% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ALNC: -3.30 )
ALNC' s 10-Year Revenue Growth (%) Range
Min: -3.3   Max: 5.3
Current: -3.3

-3.3
5.3
EBITDA Growth (%) -4.00
ALNC's EBITDA Growth (%) is ranked lower than
91% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ALNC: -4.00 )
ALNC' s 10-Year EBITDA Growth (%) Range
Min: -4   Max: 5.4
Current: -4

-4
5.4
EPS Growth (%) 0.40
ALNC's EPS Growth (%) is ranked lower than
90% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ALNC: 0.40 )
ALNC' s 10-Year EPS Growth (%) Range
Min: -0.3   Max: 5.8
Current: 0.4

-0.3
5.8
» ALNC's 10-Y Financials

Financials


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

» Details

Guru Trades

ALNC Guru Trades in

Q3 2012

ALNC Guru Trades in Q3 2012

Jim Simons 10,900 sh (New)
» More
Q4 2012

ALNC Guru Trades in Q4 2012

Jim Simons 26,300 sh (+141.28%)
» More
Q1 2013

ALNC Guru Trades in Q1 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ALNC

(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/S 3.82
ALNC's P/S is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. ALNC: 3.82 )
ALNC' s 10-Year P/S Range
Min: 1.25   Max: 3.83
Current: 3.82

1.25
3.83
PFCF 0.01
ALNC's PFCF is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. ALNC: 0.01 )
ALNC' s 10-Year PFCF Range
Min: 0.01   Max: 17.4
Current: 0.01

0.01
17.4
EV-to-EBIT 31.26
ALNC's EV-to-EBIT is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. ALNC: 31.26 )
ALNC' s 10-Year EV-to-EBIT Range
Min: 36.6   Max: 161.3
Current: 31.26

36.6
161.3
PEG 3.84
ALNC's PEG is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ALNC: 3.84 )
ALNC' s 10-Year PEG Range
Min: 0.95   Max: 84.5
Current: 3.84

0.95
84.5
Shiller P/E 0.02
ALNC's Shiller P/E is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.04 vs. ALNC: 0.02 )
ALNC' s 10-Year Shiller P/E Range
Min: 0.02   Max: 19.62
Current: 0.02

0.02
19.62
Current Ratio 0.88
ALNC's Current Ratio is ranked lower than
1764% of the 72 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. ALNC: 0.88 )
ALNC' s 10-Year Current Ratio Range
Min: 0   Max: 0
Current: 0.88

Quick Ratio 0.85
ALNC's Quick Ratio is ranked lower than
1764% of the 72 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. ALNC: 0.85 )
ALNC' s 10-Year Quick Ratio Range
Min: 0   Max: 0
Current: 0.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
ALNC's Dividend Yield is ranked lower than
84% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. ALNC: 2.65 )
ALNC' s 10-Year Dividend Yield Range
Min: 2.28   Max: 6.25
Current: 2.65

2.28
6.25
Dividend Payout 1.12
ALNC's Dividend Payout is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. ALNC: 1.12 )
ALNC' s 10-Year Dividend Payout Range
Min: 0.27   Max: 1.57
Current: 1.12

0.27
1.57
Dividend growth (3y) 3.70
ALNC's Dividend growth (3y) is ranked lower than
121% of the 1053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. ALNC: 3.70 )
ALNC' s 10-Year Dividend growth (3y) Range
Min: 1.7   Max: 6.6
Current: 3.7

1.7
6.6
Yield on cost (5-Year) 3.68
ALNC's Yield on cost (5-Year) is ranked lower than
84% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. ALNC: 3.68 )
ALNC' s 10-Year Yield on cost (5-Year) Range
Min: 3.17   Max: 8.68
Current: 3.68

3.17
8.68
Share Buyback Rate -1.00
ALNC's Share Buyback Rate is ranked lower than
96% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. ALNC: -1.00 )
ALNC' s 10-Year Share Buyback Rate Range
Min: 0.5   Max: -7.2
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.30
ALNC's Price/Tangible Book is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. ALNC: 0.30 )
ALNC' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 2.5
Current: 0.3

0.8
2.5
Price/DCF (Projected) 0.10
ALNC's Price/DCF (Projected) is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ALNC: 0.10 )
ALNC' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.7
Current: 0.1

0.3
0.7
Price/Median PS Value 0.20
ALNC's Price/Median PS Value is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. ALNC: 0.20 )
ALNC' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.4
Current: 0.2

0.5
1.4
Price/Graham Number 0.20
ALNC's Price/Graham Number is ranked lower than
66% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ALNC: 0.20 )
ALNC' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.8
Current: 0.2

0.5
1.8
Earnings Yield (Greenblatt) 4.00
ALNC's Earnings Yield (Greenblatt) is ranked lower than
75% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. ALNC: 4.00 )
ALNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 4
Current: 4

0.6
4
Forward Rate of Return (Yacktman) 10565.61
ALNC's Forward Rate of Return (Yacktman) is ranked lower than
89% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. ALNC: 10565.61 )
ALNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.1   Max: 32.1
Current: 10565.61

9.1
32.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details

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