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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.19
OBAF's Cash to Debt is ranked higher than
80% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OBAF: 2.19 )
OBAF' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 2.19

Equity to Asset 0.18
OBAF's Equity to Asset is ranked higher than
95% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OBAF: 0.18 )
OBAF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.23
Current: 0.18

0.09
0.23
Interest Coverage 0.80
OBAF's Interest Coverage is ranked higher than
61% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OBAF: 0.80 )
OBAF' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.8
Current: 0.8

0.11
0.8
F-Score: 7
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 : 5/10

vs
industry
vs
history
Operating margin (%) 11.77
OBAF's Operating margin (%) is ranked higher than
54% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. OBAF: 11.77 )
OBAF' s 10-Year Operating margin (%) Range
Min: -14.57   Max: 14.11
Current: 11.77

-14.57
14.11
Net-margin (%) 7.22
OBAF's Net-margin (%) is ranked higher than
53% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. OBAF: 7.22 )
OBAF' s 10-Year Net-margin (%) Range
Min: -7.83   Max: 9.81
Current: 7.22

-7.83
9.81
ROE (%) 1.46
OBAF's ROE (%) is ranked higher than
52% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. OBAF: 1.46 )
OBAF' s 10-Year ROE (%) Range
Min: -1.7   Max: 1.53
Current: 1.46

-1.7
1.53
ROA (%) 0.27
OBAF's ROA (%) is ranked higher than
56% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OBAF: 0.27 )
OBAF' s 10-Year ROA (%) Range
Min: -0.19   Max: 0.29
Current: 0.27

-0.19
0.29
ROC (Joel Greenblatt) (%) 31.39
OBAF's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. OBAF: 31.39 )
OBAF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -37.96   Max: 30.92
Current: 31.39

-37.96
30.92
Revenue Growth (3Y)(%) 18.90
OBAF's Revenue Growth (3Y)(%) is ranked higher than
96% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OBAF: 18.90 )
OBAF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 18.9
Current: 18.9

0
18.9
» OBAF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

OBAF Guru Trades in Q3 2013

John Keeley 19,984 sh (unchged)
» More
Q4 2013

OBAF Guru Trades in Q4 2013

John Keeley 14,000 sh (-29.94%)
» More
Q1 2014

OBAF Guru Trades in Q1 2014

John Keeley 14,000 sh (unchged)
» More
Q2 2014

OBAF Guru Trades in Q2 2014

John Keeley Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with OBAF

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-06-30 Sold Out $18.28 - $22.5 $ 22.937%0
John Keeley 2013-12-31 Reduce -29.94%$18.22 - $19.25 $ 22.9322%14000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 87.90
OBAF's P/E(ttm) is ranked higher than
64% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. OBAF: 87.90 )
OBAF' s 10-Year P/E(ttm) Range
Min: 62.71   Max: 215.86
Current: 87.9

62.71
215.86
P/B 1.27
OBAF's P/B is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. OBAF: 1.27 )
OBAF' s 10-Year P/B Range
Min: 0.61   Max: 1.27
Current: 1.27

0.61
1.27
P/S 6.15
OBAF's P/S is ranked higher than
63% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. OBAF: 6.15 )
OBAF' s 10-Year P/S Range
Min: 4.34   Max: 32.74
Current: 6.15

4.34
32.74
PFCF 26.36
OBAF's PFCF is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OBAF: 26.36 )
OBAF' s 10-Year PFCF Range
Min: 14.56   Max: 43.94
Current: 26.36

14.56
43.94
EV-to-EBIT 40.62
OBAF's EV-to-EBIT is ranked higher than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. OBAF: 40.62 )
OBAF' s 10-Year EV-to-EBIT Range
Min: -109.8   Max: 157.4
Current: 40.62

-109.8
157.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
OBAF's Price/Tangible Book is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. OBAF: 1.30 )
OBAF' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 1.07
Current: 1.3

0.62
1.07
Price/Median PS Value 1.20
OBAF's Price/Median PS Value is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. OBAF: 1.20 )
OBAF' s 10-Year Price/Median PS Value Range
Min: 0.88   Max: 6.07
Current: 1.2

0.88
6.07
Price/Graham Number 2.20
OBAF's Price/Graham Number is ranked higher than
66% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. OBAF: 2.20 )
OBAF' s 10-Year Price/Graham Number Range
Min: 1.72   Max: 2.88
Current: 2.2

1.72
2.88
Earnings Yield (Greenblatt) 2.50
OBAF's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OBAF: 2.50 )
OBAF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.7
Current: 2.5

0.6
3.7

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
OBA Financial Services, Inc. is a newly formed Maryland Corporation. It is a bank holding Company of OBA Bank. The Bank is a federally chartered savings bank headquartered in Germantown, Maryland. The Bank was organized in 1861, and reorganized into the mutual holding company structure in 2007. The Bank provides financial services to individuals, families, and businesses through six banking offices located in the Maryland counties of Montgomery, Anne Arundel, and Howard. Its business consists mainly of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans, commercial real estate loans, home equity loans and lines of credit, commercial business loans and investment securities. Its main objective is to operate as a profitable, community-oriented financial institution serving customers in its market areas. The Bank competes with commercial banks, savings institutions, mortgage brokerage firms, credit unions, finance companies, mutual funds, insurance companies, and investment banking firms.
» More Articles for OBAF

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