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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.11
VPFG's Cash to Debt is ranked higher than
50% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. VPFG: 0.11 )
VPFG' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.11

Equity to Asset 0.14
VPFG's Equity to Asset is ranked higher than
89% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. VPFG: 0.14 )
VPFG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.14

0.07
0.16
Interest Coverage 2.54
VPFG's Interest Coverage is ranked higher than
80% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 5
Z-Score: 0.33
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 : 7/10

vs
industry
vs
history
Operating margin (%) 34.24
VPFG's Operating margin (%) is ranked higher than
82% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. VPFG: 34.24 )
VPFG' s 10-Year Operating margin (%) Range
Min: -105.33   Max: 37.52
Current: 34.24

-105.33
37.52
Net-margin (%) 22.38
VPFG's Net-margin (%) is ranked higher than
77% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. VPFG: 22.38 )
VPFG' s 10-Year Net-margin (%) Range
Min: -4.74   Max: 32.91
Current: 22.38

-4.74
32.91
ROE (%) 6.00
VPFG's ROE (%) is ranked higher than
65% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. VPFG: 6.00 )
VPFG' s 10-Year ROE (%) Range
Min: -1.67   Max: 11.6
Current: 6

-1.67
11.6
ROA (%) 0.90
VPFG's ROA (%) is ranked higher than
77% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VPFG: 0.90 )
VPFG' s 10-Year ROA (%) Range
Min: -0.17   Max: 1.03
Current: 0.9

-0.17
1.03
ROC (Joel Greenblatt) (%) 96.59
VPFG's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. VPFG: 96.59 )
VPFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -134.49   Max: 105.49
Current: 96.59

-134.49
105.49
Revenue Growth (3Y)(%) 2.30
VPFG's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. VPFG: 2.30 )
VPFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 99.1
Current: 2.3

0
99.1
EBITDA Growth (3Y)(%) 11.60
VPFG's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. VPFG: 11.60 )
VPFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 79.9
Current: 11.6

0
79.9
EPS Growth (3Y)(%) 12.00
VPFG's EPS Growth (3Y)(%) is ranked higher than
79% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. VPFG: 12.00 )
VPFG' s 10-Year EPS Growth (3Y)(%) 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

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
Q2 2014

VPFG Guru Trades in Q2 2014

Jim Simons 1,242,179 sh (+10.68%)
John Keeley 2,498,471 sh (-6.85%)
Columbia Wanger 627,087 sh (-12.92%)
» More
Q3 2014

VPFG Guru Trades in Q3 2014

Jim Simons 1,279,279 sh (+2.99%)
Columbia Wanger 627,087 sh (unchged)
John Keeley 2,480,761 sh (-0.71%)
» More
» Details

Insider Trades

Latest Guru Trades with VPFG

(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 2013-06-30 Add 12.72%0.11%$17.97 - $20.81 $ 23.3721%2505972
John Keeley 2011-09-30 Add 20.01%0.1%$10.81 - $14 $ 23.3788%2343548
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) 27.50
VPFG's P/E(ttm) is ranked higher than
68% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. VPFG: 27.50 )
VPFG' s 10-Year P/E(ttm) Range
Min: 15.2   Max: 4143
Current: 27.5

15.2
4143
P/B 1.60
VPFG's P/B is ranked higher than
67% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. VPFG: 1.60 )
VPFG' s 10-Year P/B Range
Min: 0.79   Max: 2.27
Current: 1.6

0.79
2.27
P/S 5.90
VPFG's P/S is ranked higher than
63% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. VPFG: 5.90 )
VPFG' s 10-Year P/S Range
Min: 2.63   Max: 414.3
Current: 5.9

2.63
414.3
PFCF 16.00
VPFG's PFCF is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VPFG: 16.00 )
VPFG' s 10-Year PFCF Range
Min: 2.58   Max: 99999999.99
Current: 16

2.58
99999999.99
EV-to-EBIT 32.66
VPFG's EV-to-EBIT is ranked higher than
64% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. VPFG: 32.66 )
VPFG' s 10-Year EV-to-EBIT Range
Min: -608.3   Max: 154.8
Current: 32.66

-608.3
154.8
PEG 0.62
VPFG's PEG is ranked higher than
95% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VPFG: 0.62 )
VPFG' s 10-Year PEG Range
Min: 0.87   Max: 1.1
Current: 0.62

0.87
1.1
Shiller P/E 36.50
VPFG's Shiller P/E is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VPFG: 36.50 )
VPFG' s 10-Year Shiller P/E Range
Min: 33.94   Max: 103.25
Current: 36.5

33.94
103.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
VPFG's Dividend Yield is ranked lower than
53% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. VPFG: 2.10 )
VPFG' s 10-Year Dividend Yield Range
Min: 0.27   Max: 2.82
Current: 2.1

0.27
2.82
Dividend Payout 0.56
VPFG's Dividend Payout is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. VPFG: 0.56 )
VPFG' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.58
Current: 0.56

0.16
1.58
Dividend growth (3y) 28.40
VPFG's Dividend growth (3y) is ranked higher than
93% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 6.67
VPFG's Yield on cost (5-Year) is ranked higher than
88% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. VPFG: 6.67 )
VPFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.86   Max: 8.96
Current: 6.67

0.86
8.96
Share Buyback Rate -7.80
VPFG's Share Buyback Rate is ranked higher than
61% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.70
VPFG'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. VPFG: 1.70 )
VPFG' s 10-Year Price/Tangible Book Range
Min: 0.82   Max: 2.24
Current: 1.7

0.82
2.24
Price/Median PS Value 1.20
VPFG's Price/Median PS Value is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. VPFG: 1.20 )
VPFG' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 80.67
Current: 1.2

0.54
80.67
Price/Peter Lynch Fair Value 1.10
VPFG's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VPFG: 1.10 )
VPFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.13   Max: 1.13
Current: 1.1

Price/Graham Number 1.40
VPFG's Price/Graham Number is ranked higher than
69% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. VPFG: 1.40 )
VPFG' s 10-Year Price/Graham Number Range
Min: 0.86   Max: 3.25
Current: 1.4

0.86
3.25
Earnings Yield (Greenblatt) 3.10
VPFG's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. VPFG: 3.10 )
VPFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11
Current: 3.1

0.6
11
Forward Rate of Return (Yacktman) 22.68
VPFG's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. VPFG: 22.68 )
VPFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -35.4   Max: 23.6
Current: 22.68

-35.4
23.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
ViewPoint Financial Group Inc is a Maryland corporation was incorporated in March 2010, and 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 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 

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