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 : 6/10

vs
industry
vs
history
Cash to Debt 0.20
VPFG's Cash to Debt is ranked higher than
53% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. VPFG: 0.20 )
VPFG' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.2

Equity to Asset 0.15
VPFG's Equity to Asset is ranked higher than
92% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. VPFG: 0.15 )
VPFG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.15

0.07
0.16
Interest Coverage 2.54
VPFG's Interest Coverage is ranked higher than
80% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. VPFG: 2.54 )
VPFG' s 10-Year Interest Coverage Range
Min: 0.07   Max: 2.54
Current: 2.54

0.07
2.54
F-Score: 3
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 (%) 34.26
VPFG's Operating margin (%) is ranked higher than
81% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. VPFG: 34.26 )
VPFG' s 10-Year Operating margin (%) Range
Min: -8   Max: 37.52
Current: 34.26

-8
37.52
Net-margin (%) 22.63
VPFG's Net-margin (%) is ranked higher than
77% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. VPFG: 22.63 )
VPFG' s 10-Year Net-margin (%) Range
Min: -4.74   Max: 24.24
Current: 22.63

-4.74
24.24
ROE (%) 5.82
VPFG's ROE (%) is ranked higher than
65% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. VPFG: 5.82 )
VPFG' s 10-Year ROE (%) Range
Min: -1.71   Max: 15.5
Current: 5.82

-1.71
15.5
ROA (%) 0.90
VPFG's ROA (%) is ranked higher than
79% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. VPFG: 0.90 )
VPFG' s 10-Year ROA (%) Range
Min: -0.15   Max: 1.07
Current: 0.9

-0.15
1.07
ROC (Joel Greenblatt) (%) 90.06
VPFG's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. VPFG: 90.06 )
VPFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -12.17   Max: 102.61
Current: 90.06

-12.17
102.61
Revenue Growth (%) 2.30
VPFG's Revenue Growth (%) is ranked higher than
79% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. VPFG: 2.30 )
VPFG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 99.1
Current: 2.3

0
99.1
EBITDA Growth (%) 11.60
VPFG's EBITDA Growth (%) is ranked higher than
79% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. VPFG: 11.60 )
VPFG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 79.9
Current: 11.6

0
79.9
EPS Growth (%) 12.00
VPFG's EPS Growth (%) is ranked higher than
78% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. VPFG: 12.00 )
VPFG' s 10-Year EPS Growth (%) Range
Min: 0   Max: 114
Current: 12

0
114
» VPFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

VPFG Guru Trades in Q2 2013

John Keeley 2,505,972 sh (+12.72%)
Columbia Wanger 1,681,087 sh (unchged)
Jim Simons 750,379 sh (-8.2%)
» More
Q3 2013

VPFG Guru Trades in Q3 2013

Jim Simons 886,579 sh (+18.15%)
John Keeley 2,641,432 sh (+5.41%)
Columbia Wanger 899,087 sh (-46.52%)
» More
Q4 2013

VPFG Guru Trades in Q4 2013

Jim Simons 1,009,979 sh (+13.92%)
John Keeley 2,714,572 sh (+2.77%)
Columbia Wanger 720,087 sh (-19.91%)
» More
Q1 2014

VPFG Guru Trades in Q1 2014

Jim Simons 1,122,279 sh (+11.12%)
Columbia Wanger 720,087 sh (unchged)
John Keeley 2,682,155 sh (-1.19%)
» More
» Details

Insider Trades

Latest Guru Trades with VPFG

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-06-30 Add 12.72%0.11%$17.97 - $20.81 $ 25.1830%2505972
John Keeley 2011-09-30 Add 20.01%0.1%$10.81 - $14 $ 25.18102%2343548
Daniel Loeb 2011-06-30 Sold Out 0.9%$12.05 - $13.94 $ 25.1896%0
John Keeley 2011-06-30 Add 36.72%0.12%$12.05 - $13.94 $ 25.1896%1952758
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) 31.00
VPFG's P/E(ttm) is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. VPFG: 31.00 )
VPFG' s 10-Year P/E(ttm) Range
Min: 15.2   Max: 4143
Current: 31

15.2
4143
P/B 1.80
VPFG's P/B is ranked higher than
58% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. VPFG: 1.80 )
VPFG' s 10-Year P/B Range
Min: 0.79   Max: 2.27
Current: 1.8

0.79
2.27
P/S 6.80
VPFG's P/S is ranked higher than
53% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. VPFG: 6.80 )
VPFG' s 10-Year P/S Range
Min: 2.63   Max: 414.3
Current: 6.8

2.63
414.3
PFCF 15.10
VPFG's PFCF is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. VPFG: 15.10 )
VPFG' s 10-Year PFCF Range
Min: 1.06   Max: 333.03
Current: 15.1

1.06
333.03
EV-to-EBIT 31.59
VPFG's EV-to-EBIT is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. VPFG: 31.59 )
VPFG' s 10-Year EV-to-EBIT Range
Min: 9.1   Max: 154.8
Current: 31.59

9.1
154.8
PEG 0.70
VPFG's PEG is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. VPFG: 0.70 )
VPFG' s 10-Year PEG Range
Min: 0   Max: 3.71
Current: 0.7

0
3.71
Shiller P/E 43.30
VPFG's Shiller P/E is ranked higher than
76% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. VPFG: 43.30 )
VPFG' s 10-Year Shiller P/E Range
Min: 38.25   Max: 103.25
Current: 43.3

38.25
103.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
VPFG's Dividend Yield is ranked lower than
61% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. VPFG: 1.80 )
VPFG' s 10-Year Dividend Yield Range
Min: 0.27   Max: 2.82
Current: 1.8

0.27
2.82
Dividend Payout 0.54
VPFG's Dividend Payout is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VPFG: 0.54 )
VPFG' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.58
Current: 0.54

0.16
1.58
Dividend growth (3y) 28.40
VPFG's Dividend growth (3y) is ranked higher than
92% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. VPFG: 28.40 )
VPFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 34.6
Current: 28.4

0
34.6
Yield on cost (5-Year) 5.72
VPFG's Yield on cost (5-Year) is ranked higher than
81% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. VPFG: 5.72 )
VPFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.86   Max: 8.96
Current: 5.72

0.86
8.96
Share Buyback Rate -7.80
VPFG's Share Buyback Rate is ranked higher than
59% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. VPFG: -7.80 )
VPFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: -160
Current: -7.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
VPFG's Price/Tangible Book is ranked higher than
60% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. VPFG: 1.90 )
VPFG' s 10-Year Price/Tangible Book Range
Min: 0.82   Max: 2.24
Current: 1.9

0.82
2.24
Price/Median PS Value 1.40
VPFG's Price/Median PS Value is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. VPFG: 1.40 )
VPFG' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 80.67
Current: 1.4

0.55
80.67
Price/Graham Number 1.70
VPFG's Price/Graham Number is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. VPFG: 1.70 )
VPFG' s 10-Year Price/Graham Number Range
Min: 0.86   Max: 3.25
Current: 1.7

0.86
3.25
Earnings Yield (Greenblatt) 3.20
VPFG's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. VPFG: 3.20 )
VPFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11
Current: 3.2

0.6
11
Forward Rate of Return (Yacktman) -12.36
VPFG's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. VPFG: -12.36 )
VPFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -25.4   Max: -7
Current: -12.36

-25.4
-7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
ViewPoint Financial Group, Inc. is a Maryland corporation, is a full stock holding company for its wholly owned subsidiary, ViewPoint Bank, National Association (the "Bank".) The Bank's operations include its wholly owned subsidiary, ViewPoint Bankers Mortgage, Inc. The Company's main business consists of attracting retail deposits from the general public and the business community and investing those funds, along with borrowed funds, in permanent loans secured by first and second mortgages on owner-occupied, one- to four-family residences and on commercial real estate, as well as in secured and unsecured commercial and industrial and consumer loans. Additionally, it has an active program with mortgage banking companies that allows them to close one- to four-family real estate loans in their own name and temporarily fund their inventory of these closed loans until the loans are sold to investors approved by the Company. The Company also offers brokerage services for the purchase and sale of non-deposit investment and insurance products through a third party brokerage arrangement. Its operating revenues are derived mainly from interest earnings on interest-earning assets including loans and investment securities, service charges and fees on deposits, and gains on the sale of loans. Its main sources of funds are deposits, FHLB advances and other borrowings, and payments received on loans and securities. It offers a variety of deposit accounts that provide a range of interest rates and terms, generally including savings, money market, term certificate and demand accounts. Its market area includes a diverse population of management, professional and sales personnel, office employees, manufacturing and transportation workers, service industry workers, government employees and self-employed individuals. The population includes a skilled work force with a wide range of education levels and ethnic backgrounds. The Company faces strong competition in originating real estate and other loans and in attracting deposits. Competition in originating residential and commercial real estate loans comes mainly from other commercial banks, savings institutions, conduit lenders, credit unions, life insurance companies and mortgage bankers. Other commercial banks, savings institutions, credit unions and finance companies provide vigorous competition in consumer lending. Commercial and industrial competition is mainly from local commercial banks. The Company is subject to extensive regulation, supervision and examination by the OCC, the FRB, and the FDIC.
» More Articles for VPFG

Headlines

Articles On GuruFocus.com
Pimco's Kashkari Gives 3 Favorite Stock Ideas Aug 08 2012 
ViewPoint Financial Group Reports Operating Results (10-Q) May 07 2010 
ViewPoint Financial Group Reports Operating Results (10-Q) Nov 05 2009 
ViewPoint Financial Group Reports Operating Results (10-Q) Aug 06 2009 
ViewPoint Financial Group Reports Operating Results (10-Q) May 07 2009 
ViewPoint Financial Group Reports Full Year and Fourth Quarter 2008 Earnings Feb 09 2009 
ViewPoint Financial Group Announces Increased Focus on Full-Service Bank Locations Jan 02 2009 

More From Other Websites
ViewPoint Financial Group, Inc. Reports Second Quarter 2014 Earnings Jul 22 2014
ViewPoint Financial Group, Inc. Announces Declaration of Quarterly Cash Dividend Jul 22 2014
VIEWPOINT FINANCIAL GROUP INC. Files SEC form 8-K, Results of Operations and Financial Condition Jul 22 2014
ViewPoint Financial Group, Inc. Announces Declaration of Quarterly Cash Dividend Jul 22 2014
ViewPoint Financial Group, Inc. Reports Second Quarter 2014 Earnings Jul 22 2014
Q2 2014 Viewpoint Financial Group Inc Earnings Release - After Market Close Jul 22 2014
ViewPoint Financial Group, Inc. Announces Dates of Second Quarter Earnings Release and Conference... Jul 09 2014
VIEWPOINT FINANCIAL GROUP INC. Files SEC form 8-K, Other Events Jul 09 2014
ViewPoint Financial Group, Inc. Announces Dates of Second Quarter Earnings Release and Conference... Jul 09 2014
VIEWPOINT FINANCIAL GROUP INC. Files SEC form 8-K, Other Events Jun 17 2014
ViewPoint Financial Group, Inc. and LegacyTexas Group, Inc. Announce Extension of Merger Agreement Jun 17 2014
ViewPoint multiple likely to expand following acquisition, says DA Davidson May 28 2014
VIEWPOINT FINANCIAL GROUP INC. Files SEC form 8-K, Submission of Matters to a Vote of Security... May 21 2014
LegacyTexas' shareholders approve merger agreement with ViewPoint Financial May 20 2014
ViewPoint Financial appoints Tony LeVecchio as Chairman of the Board May 20 2014
ViewPoint Financial Group, Inc. Elects Tony LeVecchio Chairman of the Board; Longtime Chairman James... May 20 2014
LegacyTexas Group, Inc.'s Shareholders Overwhelmingly Approve Merger Agreement with ViewPoint... May 20 2014
VIEWPOINT FINANCIAL GROUP INC. Financials May 06 2014
VIEWPOINT FINANCIAL GROUP INC. Files SEC form 10-Q, Quarterly Report Apr 29 2014
VIEWPOINT FINANCIAL GROUP INC. Files SEC form 8-K, Results of Operations and Financial Condition Apr 22 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