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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 0.28
SUSQ's Cash to Debt is ranked lower than
77% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SUSQ: 0.28 )
Ranked among companies with meaningful Cash to Debt only.
SUSQ' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.17 Max: 1.15
Current: 0.28
0.08
1.15
Equity to Asset 0.15
SUSQ's Equity to Asset is ranked higher than
85% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SUSQ: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
SUSQ' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.10 Max: 0.17
Current: 0.15
0.09
0.17
Interest Coverage 2.11
SUSQ's Interest Coverage is ranked higher than
58% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SUSQ: 2.11 )
Ranked among companies with meaningful Interest Coverage only.
SUSQ' s 10-Year Interest Coverage Range
Min: 0.01  Med: 0.47 Max: 2.42
Current: 2.11
0.01
2.42
F-Score: 5
WACC vs ROIC
7.20%
3.23%
WACC
ROIC
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 (%) 25.77
SUSQ's Operating margin (%) is ranked lower than
61% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SUSQ: 25.77 )
Ranked among companies with meaningful Operating margin (%) only.
SUSQ' s 10-Year Operating margin (%) Range
Min: 0.36  Med: 30.21 Max: 34.69
Current: 25.77
0.36
34.69
Net-margin (%) 18.03
SUSQ's Net-margin (%) is ranked lower than
64% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SUSQ: 18.03 )
Ranked among companies with meaningful Net-margin (%) only.
SUSQ' s 10-Year Net-margin (%) Range
Min: 2.21  Med: 21.22 Max: 23.74
Current: 18.03
2.21
23.74
ROE (%) 4.64
SUSQ's ROE (%) is ranked lower than
76% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SUSQ: 4.64 )
Ranked among companies with meaningful ROE (%) only.
SUSQ' s 10-Year ROE (%) Range
Min: -0.2  Med: 10.39 Max: 12.66
Current: 4.64
-0.2
12.66
ROA (%) 0.69
SUSQ's ROA (%) is ranked lower than
62% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SUSQ: 0.69 )
Ranked among companies with meaningful ROA (%) only.
SUSQ' s 10-Year ROA (%) Range
Min: 0.09  Med: 1.05 Max: 1.22
Current: 0.69
0.09
1.22
Revenue Growth (3Y)(%) -4.40
SUSQ's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SUSQ: -4.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SUSQ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.5  Med: 2.60 Max: 9
Current: -4.4
-14.5
9
EBITDA Growth (3Y)(%) 31.00
SUSQ's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SUSQ: 31.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SUSQ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -52  Med: 4.10 Max: 67.9
Current: 31
-52
67.9
EPS Growth (3Y)(%) 24.90
SUSQ's EPS Growth (3Y)(%) is ranked higher than
78% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. SUSQ: 24.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SUSQ' s 10-Year EPS Growth (3Y)(%) Range
Min: -52.7  Med: 3.80 Max: 92
Current: 24.9
-52.7
92
» SUSQ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

SUSQ Guru Trades in Q3 2014

Richard Snow 149,555 sh (+78.78%)
David Dreman 6,150 sh (+20.26%)
Joel Greenblatt 25,130 sh (+2.23%)
Jim Simons Sold Out
Ken Fisher 4,280,627 sh (-1.18%)
Tom Russo 15,125 sh (-10.85%)
Paul Tudor Jones 14,053 sh (-36.46%)
» More
Q4 2014

SUSQ Guru Trades in Q4 2014

Jim Simons 984,744 sh (New)
Mario Gabelli 28,000 sh (New)
Jeremy Grantham 208,575 sh (New)
First Eagle Investment 130,000 sh (New)
Paul Tudor Jones 20,315 sh (+44.56%)
Ken Fisher Sold Out
David Dreman Sold Out
Joel Greenblatt Sold Out
Richard Snow Sold Out
Tom Russo 14,000 sh (-7.44%)
» More
Q1 2015

SUSQ Guru Trades in Q1 2015

Jeremy Grantham 523,848 sh (+151.16%)
Mario Gabelli 28,900 sh (+3.21%)
Paul Tudor Jones 20,315 sh (unchged)
Tom Russo 14,000 sh (unchged)
First Eagle Investment Sold Out
Jim Simons 915,644 sh (-7.02%)
» More
Q2 2015

SUSQ Guru Trades in Q2 2015

Jim Simons 1,242,644 sh (+35.71%)
Paul Tudor Jones 21,998 sh (+8.28%)
Tom Russo 14,000 sh (unchged)
Jeremy Grantham Sold Out
Mario Gabelli 18,900 sh (-34.60%)
» More
» Details

Insider Trades

Latest Guru Trades with SUSQ

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

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.30
SUSQ's P/E(ttm) is ranked lower than
78% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SUSQ: 19.30 )
Ranked among companies with meaningful P/E(ttm) only.
SUSQ' s 10-Year P/E(ttm) Range
Min: 9.04  Med: 15.53 Max: 90.93
Current: 19.3
9.04
90.93
Forward P/E 18.73
SUSQ's Forward P/E is ranked lower than
93% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. SUSQ: 18.73 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.20
SUSQ's PE(NRI) is ranked lower than
78% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SUSQ: 19.20 )
Ranked among companies with meaningful PE(NRI) only.
SUSQ' s 10-Year PE(NRI) Range
Min: 9.06  Med: 15.55 Max: 90.93
Current: 19.2
9.06
90.93
P/B 0.93
SUSQ's P/B is ranked higher than
62% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SUSQ: 0.93 )
Ranked among companies with meaningful P/B only.
SUSQ' s 10-Year P/B Range
Min: 0.21  Med: 0.83 Max: 1.65
Current: 0.93
0.21
1.65
P/S 3.62
SUSQ's P/S is ranked lower than
67% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SUSQ: 3.62 )
Ranked among companies with meaningful P/S only.
SUSQ' s 10-Year P/S Range
Min: 0.66  Med: 2.69 Max: 3.67
Current: 3.62
0.66
3.67
PFCF 22.90
SUSQ's PFCF is ranked lower than
83% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SUSQ: 22.90 )
Ranked among companies with meaningful PFCF only.
SUSQ' s 10-Year PFCF Range
Min: 1.86  Med: 9.99 Max: 191.77
Current: 22.9
1.86
191.77
POCF 14.95
SUSQ's POCF is ranked lower than
77% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. SUSQ: 14.95 )
Ranked among companies with meaningful POCF only.
SUSQ' s 10-Year POCF Range
Min: 1.79  Med: 7.45 Max: 1188.5
Current: 14.95
1.79
1188.5
EV-to-EBIT 20.00
SUSQ's EV-to-EBIT is ranked lower than
71% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SUSQ: 20.00 )
Ranked among companies with meaningful EV-to-EBIT only.
SUSQ' s 10-Year EV-to-EBIT Range
Min: 12.5  Med: 23.70 Max: 1584.1
Current: 20
12.5
1584.1
PEG 0.48
SUSQ's PEG is ranked higher than
79% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SUSQ: 0.48 )
Ranked among companies with meaningful PEG only.
SUSQ' s 10-Year PEG Range
Min: 0.24  Med: 2.16 Max: 1595
Current: 0.48
0.24
1595
Shiller P/E 26.81
SUSQ's Shiller P/E is ranked lower than
82% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. SUSQ: 26.81 )
Ranked among companies with meaningful Shiller P/E only.
SUSQ' s 10-Year Shiller P/E Range
Min: 2.89  Med: 13.91 Max: 27.11
Current: 26.81
2.89
27.11
Days Sales Outstanding 19.53
SUSQ's Days Sales Outstanding is ranked higher than
81% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. SUSQ: 19.53 )
Ranked among companies with meaningful Days Sales Outstanding only.
SUSQ' s 10-Year Days Sales Outstanding Range
Min: 19.29  Med: 27.01 Max: 52.1
Current: 19.53
19.29
52.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.54
SUSQ's Dividend Yield is ranked lower than
55% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SUSQ: 2.54 )
Ranked among companies with meaningful Dividend Yield only.
SUSQ' s 10-Year Dividend Yield Range
Min: 0.39  Med: 3.44 Max: 20.34
Current: 2.54
0.39
20.34
Dividend Payout 0.47
SUSQ's Dividend Payout is ranked lower than
70% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SUSQ: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
SUSQ' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.50 Max: 13
Current: 0.47
0.13
13
Dividend growth (3y) 62.00
SUSQ's Dividend growth (3y) is ranked higher than
94% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SUSQ: 62.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
SUSQ' s 10-Year Dividend growth (3y) Range
Min: -65.9  Med: 4.90 Max: 81.7
Current: 62
-65.9
81.7
Yield on cost (5-Year) 6.16
SUSQ's Yield on cost (5-Year) is ranked higher than
78% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SUSQ: 6.16 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SUSQ' s 10-Year Yield on cost (5-Year) Range
Min: 0.95  Med: 8.35 Max: 49.36
Current: 6.16
0.95
49.36
Share Buyback Rate -10.80
SUSQ's Share Buyback Rate is ranked lower than
78% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SUSQ: -10.80 )
Ranked among companies with meaningful Share Buyback Rate only.
SUSQ' s 10-Year Share Buyback Rate Range
Min: -0.4  Med: -8.10 Max: -29
Current: -10.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.74
SUSQ's Price/Tangible Book is ranked lower than
80% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SUSQ: 1.74 )
Ranked among companies with meaningful Price/Tangible Book only.
SUSQ' s 10-Year Price/Tangible Book Range
Min: 0.71  Med: 1.71 Max: 2.7
Current: 1.74
0.71
2.7
Price/Projected FCF 0.62
SUSQ's Price/Projected FCF is ranked higher than
54% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SUSQ: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
SUSQ' s 10-Year Price/Projected FCF Range
Min: 0.27  Med: 0.75 Max: 1.64
Current: 0.62
0.27
1.64
Price/Median PS Value 1.35
SUSQ's Price/Median PS Value is ranked lower than
82% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SUSQ: 1.35 )
Ranked among companies with meaningful Price/Median PS Value only.
SUSQ' s 10-Year Price/Median PS Value Range
Min: 0.3  Med: 1.12 Max: 1.91
Current: 1.35
0.3
1.91
Price/Peter Lynch Fair Value 0.77
SUSQ's Price/Peter Lynch Fair Value is ranked higher than
61% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. SUSQ: 0.77 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SUSQ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47  Med: 2.16 Max: 3.08
Current: 0.77
0.47
3.08
Price/Graham Number 1.21
SUSQ's Price/Graham Number is ranked lower than
82% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SUSQ: 1.21 )
Ranked among companies with meaningful Price/Graham Number only.
SUSQ' s 10-Year Price/Graham Number Range
Min: 0.62  Med: 1.12 Max: 2.03
Current: 1.21
0.62
2.03
Earnings Yield (Greenblatt) (%) 5.00
SUSQ's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SUSQ: 5.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SUSQ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 4.20 Max: 8
Current: 5
0.1
8
Forward Rate of Return (Yacktman) (%) 43.28
SUSQ's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. SUSQ: 43.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SUSQ' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -45.5  Med: 0.80 Max: 62
Current: 43.28
-45.5
62

Analyst Estimate

Dec15
EPS($) 0.76
EPS without NRI($) 0.76

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:SQA.Germany,
Susquehanna Bancshares Inc was incorporated in Pennsylvania in 1982. The Company operates as a bank holding company for Susquehanna Bank. The bank provides retail and commercial banking services and financial solutions in the mid-Atlantic region. The Bank is a Pennsylvania state-chartered commercial bank that operated 245 banking offices as of December 31, 2013. Its retail banking solutions include checking, savings and club accounts, check cards, debit cards, money market accounts, certificates of deposit, individual retirement accounts, home equity lines of credit, residential mortgage loans, home improvement loans, automobile loans, personal loans, internet and mobile banking services. It also provides commercial banking services, including business checking accounts, cash management services, money market accounts, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans, and internet banking services. In addition, the Bank provides its subsidiaries guidance in the areas of credit policy and administration, risk assessment, investment advisory administration, strategic planning, investment portfolio management, asset liability management, liquidity management and other financial, administrative and control services. Further, it offers an array of financial solutions through its non-banking subsidiaries. The Company, through The Addis Group, LLC, provides commercial, property and casualty insurance, and risk management programs for medium and large sized companies. Its Valley Forge Asset Management Corp. offers investment advisory, asset management and brokerage services for institutional and high net worth individual clients, and retirement planning services. Further, Stratton Management Company provides equity management of assets for institutions, pensions, endowments and high net worth individuals; and Boston Service Company, Inc. provides consumer vehicle financing services. The Company is subject to regulation under the Bank Holding Company Act of 1956.
» More Articles for SUSQ

Headlines

Articles On GuruFocus.com
Dividend Stock Picks For A Higher Gain Mar 27 2015 
RS Investments' Value Fund First Quarter 2012 Mutual Fund Commentary Apr 17 2012 
Susquehanna Bancshares Inc. Reports Operating Results (10-Q) May 06 2010 
Susquehanna Bancshares Inc. (SUSQ) President & COO Eddie L Dunklebarger buys 25,000 Shares Mar 15 2010 
Susquehanna Bancshares Inc. Reports Operating Results (10-Q) Nov 06 2009 
Susquehanna Bancshares Inc. Reports Operating Results (10-Q) Aug 06 2009 
Susquehanna Bancshares, Inc. Announces Fourth Quarter and Full Year 2008 Results Jan 28 2009 
Susquehanna Bancshares, Inc. Declares Dividend and Announces Fourth Quarter and Full Year 2008 Earni Jan 21 2009 

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