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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
94% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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
79% of the 1602 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 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 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
72% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 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 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 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 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 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
73% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 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
83% of the 1534 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
92% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 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
93% of the 1361 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 Insider 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
74% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 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
129% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 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
87% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 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
151% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 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
116% of the 1097 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.30 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
1763% of the 72 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 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
1763% of the 72 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 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
85% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 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
97% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 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
123% of the 1032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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
85% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 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
98% of the 1299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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
79% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 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
108% of the 1179 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 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
80% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 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
87% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 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
79% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 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
92% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 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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