Switch to:

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 2.19
OBAF's Cash to Debt is ranked higher than
77% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 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 1649 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
59% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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: 0.34
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 (%) 12.52
OBAF's Operating margin (%) is ranked higher than
54% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. OBAF: 12.52 )
OBAF' s 10-Year Operating margin (%) Range
Min: -14.57   Max: 14.11
Current: 12.52

-14.57
14.11
Net-margin (%) 7.70
OBAF's Net-margin (%) is ranked higher than
53% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. OBAF: 7.70 )
OBAF' s 10-Year Net-margin (%) Range
Min: -7.83   Max: 9.81
Current: 7.7

-7.83
9.81
ROE (%) 1.57
OBAF's ROE (%) is ranked higher than
51% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. OBAF: 1.57 )
OBAF' s 10-Year ROE (%) Range
Min: -1.71   Max: 2.26
Current: 1.57

-1.71
2.26
ROA (%) 0.29
OBAF's ROA (%) is ranked higher than
56% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. OBAF: 0.29 )
OBAF' s 10-Year ROA (%) Range
Min: -0.19   Max: 0.29
Current: 0.29

-0.19
0.29
ROC (Joel Greenblatt) (%) 32.47
OBAF's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. OBAF: 32.47 )
OBAF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -21.65   Max: 32.47
Current: 32.47

-21.65
32.47
Revenue Growth (%) 18.90
OBAF's Revenue Growth (%) is ranked higher than
96% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OBAF: 18.90 )
OBAF' s 10-Year Revenue Growth (%) 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

Q2 2013

OBAF Guru Trades in Q2 2013

John Keeley 19,984 sh (unchged)
» More
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
» Details

Insider Trades

Latest Guru Trades with OBAF

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-12-31 Reduce -29.94%$18.22 - $19.25 $ 21.8416%14000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 83.60
OBAF's P/E(ttm) is ranked higher than
54% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. OBAF: 83.60 )
OBAF' s 10-Year P/E(ttm) Range
Min: 62.71   Max: 215.86
Current: 83.6

62.71
215.86
P/B 1.20
OBAF's P/B is ranked higher than
70% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OBAF: 1.20 )
OBAF' s 10-Year P/B Range
Min: 0.61   Max: 1.25
Current: 1.2

0.61
1.25
P/S 5.82
OBAF's P/S is ranked higher than
52% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. OBAF: 5.82 )
OBAF' s 10-Year P/S Range
Min: 4.34   Max: 32.74
Current: 5.82

4.34
32.74
PFCF 25.10
OBAF's PFCF is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. OBAF: 25.10 )
OBAF' s 10-Year PFCF Range
Min: 14.56   Max: 43.94
Current: 25.1

14.56
43.94
EV-to-EBIT 40.10
OBAF's EV-to-EBIT is ranked higher than
60% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. OBAF: 40.10 )
OBAF' s 10-Year EV-to-EBIT Range
Min: 27   Max: 157.4
Current: 40.1

27
157.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
OBAF's Price/Tangible Book is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. OBAF: 1.20 )
OBAF' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 1.07
Current: 1.2

0.62
1.07
Price/Median PS Value 1.20
OBAF's Price/Median PS Value is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. OBAF: 1.20 )
OBAF' s 10-Year Price/Median PS Value Range
Min: 0.88   Max: 6.11
Current: 1.2

0.88
6.11
Price/Graham Number 2.10
OBAF's Price/Graham Number is ranked higher than
56% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OBAF: 2.10 )
OBAF' s 10-Year Price/Graham Number Range
Min: 1.72   Max: 2.88
Current: 2.1

1.72
2.88
Earnings Yield (Greenblatt) 2.40
OBAF's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. OBAF: 2.40 )
OBAF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.7
Current: 2.4

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

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
F.N.B. Corporation Receives Regulatory Approval for OBA Financial Merger Jul 29 2014
F.N.B. Corporation Receives Regulatory Approval for OBA Financial Merger Jul 29 2014
Hamilton Bancorp: Undiscovered Gem With An Exit Strategy - Target Price: $21 Jul 20 2014
OBA FINANCIAL SERVICES, INC. Financials May 23 2014
OBA FINANCIAL SERVICES, INC. Files SEC form 10-Q, Quarterly Report May 15 2014
INVESTOR ALERT –The Law Offices of Vincent Wong Investigate the Sale of OBA FINANCIAL SERVICES,... Apr 24 2014
SHAREHOLDER ALERT: Maryland-Based Law Firm Brower Piven Announces the Investigation of OBA Financial... Apr 15 2014
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of OBA Financial Services, Inc. in... Apr 15 2014
OBA FINANCIAL SERVICES, INC. SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces Investigation Of... Apr 15 2014
INVESTOR ALERT Levi & Korsinsky, LLP Announces Investigation of OBA Financial Services, Inc. and Its... Apr 11 2014
Lifshitz & Miller Law Firm Announces Investigation of Imperva, Inc., OBA Financial Services, Inc.,... Apr 11 2014
OBA FINANCIAL SERVICES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 11 2014
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of OBA Financial Services, Inc. in... Apr 10 2014
INVESTOR ALERT Levi & Korsinsky, LLP Announces Investigation of OBA Financial Services, Inc. and Its... Apr 09 2014
Ryan & Maniskas, LLP Announces Investigation of OBA Financial Services, Inc. Apr 09 2014
OBA Financial Services, Inc. Shareholder Alert: Bernstein Liebhard LLP Announces Investigation Of... Apr 09 2014
Harwood Feffer LLP Announces Investigation of OBA Financial Services, Inc. Apr 08 2014
OBA FINANCIAL INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick & Foti, LLC... Apr 08 2014
SHAREHOLDER ALERT: Maryland-Based Law Firm Brower Piven Announces the Investigation of OBA Financial... Apr 08 2014
/C O R R E C T I O N -- Brodsky & Smith, LLC/ Apr 08 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide