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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 0.45
SUSQ's Cash to Debt is ranked higher than
65% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SUSQ: 0.45 )
SUSQ' s 10-Year Cash to Debt Range
Min: 0.08   Max: 1.22
Current: 0.45

0.08
1.22
Equity to Asset 0.15
SUSQ's Equity to Asset is ranked higher than
92% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SUSQ: 0.15 )
SUSQ' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.17
Current: 0.15

0.09
0.17
Interest Coverage 2.47
SUSQ's Interest Coverage is ranked higher than
79% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SUSQ: 2.47 )
SUSQ' s 10-Year Interest Coverage Range
Min: 0.01   Max: 2.47
Current: 2.47

0.01
2.47
F-Score: 5
Z-Score: 0.25
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 (%) 29.45
SUSQ's Operating margin (%) is ranked higher than
75% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. SUSQ: 29.45 )
SUSQ' s 10-Year Operating margin (%) Range
Min: 0.36   Max: 34.69
Current: 29.45

0.36
34.69
Net-margin (%) 20.76
SUSQ's Net-margin (%) is ranked higher than
74% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. SUSQ: 20.76 )
SUSQ' s 10-Year Net-margin (%) Range
Min: 2.21   Max: 23.74
Current: 20.76

2.21
23.74
ROE (%) 5.67
SUSQ's ROE (%) is ranked higher than
64% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. SUSQ: 5.67 )
SUSQ' s 10-Year ROE (%) Range
Min: 0.65   Max: 12.66
Current: 5.67

0.65
12.66
ROA (%) 0.84
SUSQ's ROA (%) is ranked higher than
75% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SUSQ: 0.84 )
SUSQ' s 10-Year ROA (%) Range
Min: 0.09   Max: 1.24
Current: 0.84

0.09
1.24
ROC (Joel Greenblatt) (%) 15.13
SUSQ's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. SUSQ: 15.13 )
SUSQ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 0.23   Max: 221.43
Current: 15.13

0.23
221.43
Revenue Growth (3Y)(%) -4.80
SUSQ's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SUSQ: -4.80 )
SUSQ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.5   Max: 9.1
Current: -4.8

-14.5
9.1
EBITDA Growth (3Y)(%) 45.70
SUSQ's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SUSQ: 45.70 )
SUSQ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -52   Max: 67.9
Current: 45.7

-52
67.9
EPS Growth (3Y)(%) 92.00
SUSQ's EPS Growth (3Y)(%) is ranked higher than
98% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SUSQ: 92.00 )
SUSQ' s 10-Year EPS Growth (3Y)(%) Range
Min: -52.7   Max: 92
Current: 92

-52.7
92
» SUSQ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

SUSQ Guru Trades in Q4 2013

Steven Cohen 15,551 sh (New)
Paul Tudor Jones 39,061 sh (New)
Joel Greenblatt 34,661 sh (+24.46%)
Tom Russo 17,429 sh (unchged)
Ken Fisher 4,476,026 sh (-1.32%)
Jim Simons 1,538,416 sh (-24.88%)
» More
Q1 2014

SUSQ Guru Trades in Q1 2014

David Dreman 3,404 sh (New)
Steven Cohen 31,423 sh (+102.06%)
Paul Tudor Jones 51,699 sh (+32.35%)
Tom Russo 17,429 sh (unchged)
Ken Fisher 4,356,426 sh (-2.67%)
Joel Greenblatt 20,527 sh (-40.78%)
Jim Simons 872,916 sh (-43.26%)
» More
Q2 2014

SUSQ Guru Trades in Q2 2014

Richard Snow 83,655 sh (New)
David Dreman 5,114 sh (+50.24%)
Joel Greenblatt 24,583 sh (+19.76%)
Ken Fisher 4,331,686 sh (-0.57%)
Tom Russo 16,965 sh (-2.66%)
Paul Tudor Jones 22,117 sh (-57.22%)
Jim Simons 82,016 sh (-90.6%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Snow 2014-09-30 Add 78.78%0.02%$10.07 - $10.73 $ 13.1227%149555
David Dreman 2014-09-30 Add 20.26%$10.07 - $10.73 $ 13.1227%6150
Richard Snow 2014-06-30 New Buy0.03%$9.69 - $11.66 $ 13.1226%83655
David Dreman 2014-06-30 Add 50.24%$9.69 - $11.66 $ 13.1226%5114
David Dreman 2014-03-31 New Buy$10.43 - $12.98 $ 13.1215%3404
Joel Greenblatt 2014-03-31 Reduce -40.78%$10.43 - $12.98 $ 13.1215%20527
Joel Greenblatt 2013-12-31 Add 24.46%$11.76 - $13.32 $ 13.126%34661
Joel Greenblatt 2013-06-30 Add 39.39%$11.28 - $12.91 $ 13.1210%27204
Joel Greenblatt 2013-03-31 New Buy0.01%$10.48 - $12.53 $ 13.1213%19517
Ken Fisher 2012-06-30 New Buy0.13%$8.95 - $10.51 $ 13.1235%4415270
Charles Brandes 2012-06-30 Sold Out 0.001%$8.95 - $10.51 $ 13.1235%0
George Soros 2011-12-31 Sold Out 0.0024%$5.44 - $8.5 $ 13.1283%0
Charles Brandes 2011-12-31 New Buy$5.44 - $8.5 $ 13.1283%17329
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.90
SUSQ's P/E(ttm) is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. SUSQ: 15.90 )
SUSQ' s 10-Year P/E(ttm) Range
Min: 9.04   Max: 90.93
Current: 15.9

9.04
90.93
P/B 0.90
SUSQ's P/B is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SUSQ: 0.90 )
SUSQ' s 10-Year P/B Range
Min: 0.21   Max: 1.91
Current: 0.9

0.21
1.91
P/S 3.30
SUSQ's P/S is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. SUSQ: 3.30 )
SUSQ' s 10-Year P/S Range
Min: 0.66   Max: 3.67
Current: 3.3

0.66
3.67
PFCF 13.50
SUSQ's PFCF is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SUSQ: 13.50 )
SUSQ' s 10-Year PFCF Range
Min: 1.86   Max: 191.77
Current: 13.5

1.86
191.77
EV-to-EBIT 15.27
SUSQ's EV-to-EBIT is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. SUSQ: 15.27 )
SUSQ' s 10-Year EV-to-EBIT Range
Min: 12.2   Max: 1584.1
Current: 15.27

12.2
1584.1
PEG 0.29
SUSQ's PEG is ranked higher than
98% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SUSQ: 0.29 )
SUSQ' s 10-Year PEG Range
Min: 0.24   Max: 1595
Current: 0.29

0.24
1595
Shiller P/E 25.40
SUSQ's Shiller P/E is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SUSQ: 25.40 )
SUSQ' s 10-Year Shiller P/E Range
Min: 2.87   Max: 25.96
Current: 25.4

2.87
25.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.60
SUSQ's Dividend Yield is ranked higher than
57% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. SUSQ: 2.60 )
SUSQ' s 10-Year Dividend Yield Range
Min: 0.39   Max: 20.34
Current: 2.6

0.39
20.34
Dividend Payout 0.40
SUSQ's Dividend Payout is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. SUSQ: 0.40 )
SUSQ' s 10-Year Dividend Payout Range
Min: 0.13   Max: 13
Current: 0.4

0.13
13
Dividend growth (3y) 81.70
SUSQ's Dividend growth (3y) is ranked higher than
98% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. SUSQ: 81.70 )
SUSQ' s 10-Year Dividend growth (3y) Range
Min: -65.9   Max: 81.7
Current: 81.7

-65.9
81.7
Yield on cost (5-Year) 4.46
SUSQ's Yield on cost (5-Year) is ranked higher than
76% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. SUSQ: 4.46 )
SUSQ' s 10-Year Yield on cost (5-Year) Range
Min: 0.67   Max: 34.9
Current: 4.46

0.67
34.9
Share Buyback Rate -15.80
SUSQ's Share Buyback Rate is ranked higher than
55% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SUSQ: -15.80 )
SUSQ' s 10-Year Share Buyback Rate Range
Min: -0.4   Max: -29
Current: -15.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
SUSQ's Price/Tangible Book is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SUSQ: 1.70 )
SUSQ' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 3.18
Current: 1.7

0.71
3.18
Price/DCF (Projected) 0.57
SUSQ's Price/DCF (Projected) is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. SUSQ: 0.57 )
SUSQ' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 1.64
Current: 0.57

0.27
1.64
Price/Median PS Value 1.22
SUSQ'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. SUSQ: 1.22 )
SUSQ' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.91
Current: 1.22

0.3
1.91
Price/Peter Lynch Fair Value 0.64
SUSQ's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SUSQ: 0.64 )
SUSQ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47   Max: 3.08
Current: 0.64

0.47
3.08
Price/Graham Number 1.09
SUSQ's Price/Graham Number is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SUSQ: 1.09 )
SUSQ' s 10-Year Price/Graham Number Range
Min: 0.62   Max: 2.03
Current: 1.09

0.62
2.03
Earnings Yield (Greenblatt) 6.50
SUSQ's Earnings Yield (Greenblatt) is ranked higher than
73% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SUSQ: 6.50 )
SUSQ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 8.2
Current: 6.5

0.1
8.2
Forward Rate of Return (Yacktman) 57.64
SUSQ's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. SUSQ: 57.64 )
SUSQ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -45.5   Max: 62.5
Current: 57.64

-45.5
62.5

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
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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