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19.49 (1y: +23%)
Market Cap 784.2 M P/E(ttm) 20.40
Enterprise Value 1.34 B P/B 1.50
VPFG- NAS (USA)
ViewPoint Financial Group, Inc.
Not Rated
Top Ranked Predictable Companies
$19.49
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.077
VPFG's Cash to Debt is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. VPFG: 0.077 )
VPFG' s 10-Year Cash to Debt Range
Min: 0.06   Max: 3.64
Current: 0.08
0.06
3.64
Equity to Asset 0.134
VPFG's Equity to Asset is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. VPFG: 0.134 )
VPFG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.13
0.07
0.14
Interest Coverage No Debt
VPFG's Interest Coverage is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. VPFG: No Debt )
VPFG' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.45
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 36.10
VPFG's Operating margin (%) is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. VPFG: 36.10 )
VPFG' s 10-Year Operating margin (%) Range
Min: -6.4   Max: 36.1
Current: 36.1
-6.4
36.1
Net-margin (%) 24.8
VPFG's Net-margin (%) is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. VPFG: 24.8 )
VPFG' s 10-Year Net-margin (%) Range
Min: -3.8   Max: 24.8
Current: 24.8
-3.8
24.8
ROE (%) 6.8
VPFG's ROE (%) is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. VPFG: 6.8 )
VPFG' s 10-Year ROE (%) Range
Min: -1.6   Max: 15.5
Current: 6.8
-1.6
15.5
ROA (%) 1
VPFG's ROA (%) is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VPFG: 1 )
VPFG' s 10-Year ROA (%) Range
Min: -0.1   Max: 1.1
Current: 1
-0.1
1.1
Revenue Growth (%) 11.3
VPFG's Revenue Growth (%) is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. VPFG: 11.3 )
VPFG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 61.3
Current: 11.3
0
61.3
EBITDA Growth (%) 60.6
VPFG's EBITDA Growth (%) is ranked lower than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. VPFG: 60.6 )
VPFG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 60.6
Current: 60.6
0
60.6
EPS Growth (%) 87.7
VPFG's EPS Growth (%) is ranked lower than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. VPFG: 87.7 )
VPFG' s 10-Year EPS Growth (%) Range
Min: 0   Max: 87.7
Current: 87.7
0
87.7
ยป VPFG's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

VPFG Guru Trades in Q2 2012

Paul Tudor Jones 56,100 sh (+48.81%)
Columbia Wanger 1,735,087 sh (unchged)
Steven Cohen Sold Out
John Keeley 2,227,594 sh (-2.35%)
Jim Simons 436,099 sh (-8.11%)
» More
Q3 2012

VPFG Guru Trades in Q3 2012

Steven Cohen 20,834 sh (New)
John Keeley 2,240,727 sh (+0.59%)
Columbia Wanger 1,735,087 sh (unchged)
Jim Simons Sold Out
Paul Tudor Jones 38,400 sh (-31.55%)
» More
Q4 2012

VPFG Guru Trades in Q4 2012

Columbia Wanger 1,735,087 sh (unchged)
Paul Tudor Jones Sold Out
John Keeley 2,215,338 sh (-1.13%)
Steven Cohen 14,267 sh (-31.52%)
» More
Q1 2013

VPFG Guru Trades in Q1 2013

Jim Simons 817,377 sh (New)
John Keeley 2,223,162 sh (+0.35%)
Steven Cohen Sold Out
Columbia Wanger 1,681,087 sh (-3.11%)
» 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 2011-09-30 Add 20.01%0.1%$10.81 - $14 $ 19.355%2343548
Daniel Loeb 2011-06-30 Sold Out 0.9%$12.05 - $13.94 $ 19.350%0
John Keeley 2011-06-30 Add 36.72%0.12%$12.05 - $13.94 $ 19.350%1952758
John Keeley 2011-03-31 Add 189.66%0.18%$11.57 - $13.7 $ 19.351%1428287
Daniel Loeb 2010-12-31 New Buy1%$9.16 - $11.71 $ 19.387%1601800
John Keeley 2010-12-31 Add 127.03%0.05%$9.16 - $11.71 $ 19.387%493087
Daniel Loeb 2010-09-30 Sold Out 0.86%$8.88 - $13.5 $ 19.3105%0
Daniel Loeb 2010-06-30 New Buy0.86%$14.36 - $17.76 $ 19.319%775100
John Keeley 2010-06-30 Add 450.29%0.02%$14.36 - $17.76 $ 19.319%86187
John Keeley 2010-03-31 Reduce -54.68%$9.73 - $11.7 $ 19.382%11187
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 20.20
VPFG's P/E(ttm) is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. VPFG: 20.20 )
VPFG' s 10-Year P/E(ttm) Range
Min: 15.2   Max: 218.05
Current: 20.2
15.2
218.05
P/B 1.50
VPFG's P/B is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. VPFG: 1.50 )
VPFG' s 10-Year P/B Range
Min: 0.73   Max: 2.47
Current: 1.5
0.73
2.47
P/S 4.95
VPFG's P/S is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. VPFG: 4.95 )
VPFG' s 10-Year P/S Range
Min: 3.01   Max: 24.86
Current: 4.95
3.01
24.86
EV-to-EBIT 25
VPFG's EV-to-EBIT is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. VPFG: 25 )
VPFG' s 10-Year EV-to-EBIT Range
Min: 9.1   Max: 172.4
Current: 25
9.1
172.4
Shiller P/E 42.2
VPFG's Shiller P/E is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. VPFG: 42.2 )
VPFG' s 10-Year Shiller P/E Range
Min: 39.2   Max: 62.81
Current: 42.2
39.2
62.81

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.97
VPFG's Dividend Yield is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. VPFG: 1.97 )
VPFG' s 10-Year Dividend Yield Range
Min: 0.27   Max: 2.82
Current: 1.97
0.27
2.82
Dividend Payout 0.3524
VPFG's Dividend Payout is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. VPFG: 0.3524 )
VPFG' s 10-Year Dividend Payout Range
Min: 0.25   Max: 2.06
Current: 0.35
0.25
2.06
Dividend growth (3y) 25
VPFG's Dividend growth (3y) is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. VPFG: 25 )
VPFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 25
Current: 25
0
25
Yield on cost (5-Year) 5.38
VPFG's Yield on cost (5-Year) is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. VPFG: 5.38 )
VPFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.73   Max: 7.59
Current: 5.38
0.73
7.59
Share Buyback Rate -1.8
VPFG's Share Buyback Rate is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. VPFG: -1.8 )
VPFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.8
Current: -1.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.6
VPFG's Price/Tangible Book is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. VPFG: 1.6 )
VPFG' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 9.6
Current: 1.6
0.9
9.6
Price/Median PS Value 1.1
VPFG's Price/Median PS Value is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VPFG: 1.1 )
VPFG' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 5.5
Current: 1.1
0.8
5.5
Price/Graham Number 1.1
VPFG's Price/Graham Number is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VPFG: 1.1 )
VPFG' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 9.5
Current: 1.1
0.9
9.5
Earnings Yield (Greenblatt) 4.00
VPFG's Earnings Yield (Greenblatt) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. VPFG: 4.00 )
VPFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 11
Current: 4
0.6
11
Forward Rate of Return (Yacktman) -18.93
VPFG's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. VPFG: -18.93 )
VPFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -25   Max: -7.5
Current: -18.93
-25
-7.5

Business Description

ViewPoint Financial Group 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for VPFG

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ViewPoint Financial Group Reports Operating Results (10-Q) May 07 2009 

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