10 Year Financial Data of Bank Mutual Corporation (BKMU)

5.51 (1y: +56%)

Market Cap	248 M	P/E(ttm)	32.50
Enterprise Value	250.2 M	P/B	1.00

BKMU- NAS (USA)
Bank Mutual Corporation

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$5.51

2 Severe Warning Signs 2 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	5.5	-0.9	7
EBITDA Growth (%)	0	0	0
Free Cash Flow Growth (%)	0	0	-21.4
Book Value Growth (%)	-4.7	-4.7	1.5

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	1.17	1.37	1.60	1.52	1.63	1.93	2.10	1.91	1.86	1.96	1.99	0.48	0.47	0.49	0.52	0.51
EBITDA per Share	0.57	0.71	0.82	0.71	0.61	0.62	0.48	-2.61	-0.87	0.36	0.42	0.06	0.06	0.09	0.15	0.12
Free Cashflow per Share	0.79	0.36	0.46	0.16	0.46	0.12	0.68	-0.57	1.78	0.89	0.77	-0.12	0.43	-0.20	0.79	-0.25
Earnings per Share ($)	0.29	0.38	0.43	0.34	0.31	0.35	0.29	-1.59	-1.03	0.15	0.17	0.03	0.03	0.04	0.05	0.05
Dividends Per Share	0.12	0.18	0.25	0.29	0.33	0.36	0.34	0.20	0.06	0.05	0.06	0.01	0.01	0.01	0.02	0.02
Book Value per Share	9.38	8.62	8.35	8.81	7.79	8.46	8.53	6.87	5.77	5.88	5.91	5.82	5.83	5.89	5.88	5.91
Month End Stock Price	11.39	12.17	10.60	12.11	10.57	11.54	6.93	4.78	3.18	4.30	5.53	4.04	4.41	4.55	4.30	5.53
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	3.10	4.40	5.10	3.90	4.00	4.30	3.40	-23.20	-17.90	2.50	3.60	1.60	2.00	2.80	3.20	3.60
Return on Assets %	0.70	0.90	0.80	0.60	0.50	0.50	0.40	-2.80	-1.90	0.30	0.40	--	0.40	0.40	0.40	0.40
Return on Capital - Joel Greenblatt %	--	--	7.30	602	208	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.41	1.14	1.41	1.32	2.12	2.27	2.26	0.48	0.58	0.78	--	0.68	1.16	0.78	0.78	--

Operating Margin %	37.60	42.40	41.20	32.90	29.40	28.80	19.30	-141	-53.50	11.10	15.80	7.20	8.80	13.40	14.50	15.80
Net Margin %	24.80	27.70	26.80	22.30	19.10	18.80	13.90	-83.60	-55.50	7.50	10.80	5.20	6.10	8.80	9.50	10.80

Debt to Revenue	3.28	7.14	7.33	7.63	10.18	9.97	9.19	1.73	1.79	2.33	--	8.25	14.29	9.41	8.70	--
Interest Exp. to Revenue %	78.49	84.83	83.30	80.98	76.62	80.56	68.71	53.27	72.99	67.72	68.53	67.20	68.17	69.50	66.14	68.53

Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio	0.41	0.47	0.58	0.85	1.07	0.99	1.17	--	--	0.34	0.37	0.40	0.35	0.24	0.40	0.37
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	71.59	90.42	86.98	74.78	68.70	73.37	68.03	46.29	62.59	61.38	62.67	14.90	14.85	15.60	16.03	16.19
Non Interest Income	19.62	16.18	17.44	17.57	20.96	17.71	30.99	40.60	23.16	29.26	29.42	7.27	6.93	6.85	8.21	7.43
Revenue	91.21	107	104	92.35	89.66	91.07	99.02	86.90	85.75	90.64	92.09	22.17	21.79	22.44	24.24	23.62

Selling, General, &Admin. Expense	31.75	36.21	37.67	37.47	38.23	38.54	43.67	40.08	42.07	47.75	48.13	12.01	12.04	11.67	12.03	12.39
Credit Losses Provision	1.30	1.33	0.54	0.63	-0.27	1.45	12.41	49.62	6.71	4.55	5.39	0.05	1.73	0.66	2.11	0.89
Other Expenses	14.09	14.10	12.89	11.46	18.04	21.75	20.36	116	77.10	21.83	19.31	7.47	5.12	6.14	3.11	4.95
Earnings Before DDA	44.07	54.96	53.31	42.79	33.66	29.34	22.57	-119	-40.14	16.51	19.26	2.64	2.90	3.98	6.99	5.39

Depreciation, Depletion and Amortization	9.78	9.77	10.27	12.39	7.27	3.09	3.43	3.68	5.73	6.47	7.09	1.04	0.98	0.98	3.47	1.66

Operating Income	34.29	45.19	43.04	30.41	26.39	26.25	19.14	-123	-45.86	10.04	12.17	1.60	1.92	3.00	3.52	3.73
Net Income	22.60	29.55	28.03	20.60	17.10	17.16	13.73	-72.64	-47.57	6.75	8.15	1.16	1.33	1.97	2.31	2.55

Earnings per Share ($)	0.29	0.38	0.43	0.34	0.31	0.35	0.29	-1.59	-1.03	0.15	0.17	0.03	0.03	0.04	0.05	0.05
Total Shares Outstanding	77.93	77.77	65.18	60.58	55.17	47.21	47.18	45.57	46.05	46.21	46.39	46.19	46.20	46.22	46.23	46.39
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	56.50	1,372	69.42	45.46	38.95	113	228	233	121	87.06	129	122	205	81.88	87.06	129
Money Market Investments	65.50	38.19	48.54	45.88	46.09	46.09	--	--	--	--	--	--	--	--	--	--
Net Loan	1,716	1,881	1,993	2,028	2,003	1,848	1,520	1,361	1,339	1,413	1,421	1,328	1,360	1,412	1,413	1,421
Securities & Investments	1,121	13.35	1,151	1,113	1,199	1,270	1,481	663	782	708	646	928	846	777	708	646
Accounts Receivable	10.82	11.35	11.72	13.51	14.63	16.53	--	--	6.52	6.26	--	5.46	--	6.72	6.26	--
Property, Plant and Equipment	45.20	43.97	47.59	50.52	51.63	52.21	--	--	50.42	50.54	50.98	50.49	16.46	50.32	50.54	50.98
Intangible Assets	57.64	56.98	61.09	60.31	59.71	58.08	60.87	60.34	7.40	6.82	7.86	8.04	7.26	6.32	6.82	7.86
Other Assets	35.35	28.75	49.05	94.46	75.17	85.79	223	274	193	147	140	169	200	151	147	140
Total Assets	3,109	3,445	3,431	3,451	3,488	3,490	3,512	2,592	2,498	2,418	2,394	2,610	2,635	2,485	2,418	2,394

Total Deposits	2,052	1,983	2,087	2,159	2,113	2,130	2,138	2,078	2,022	1,868	1,846	2,033	1,983	1,920	1,868	1,846
Current Portion of Long-Term Debt	--	306	608	--	--	--	2.51	--	--	--	--	--	--	--	--	--
Long-Term Debt	299	456	158	705	912	908	907	150	153	211	--	183	311	211	211	--
Other liabilities	25.67	30.44	34.39	53.94	32.58	51.76	62.59	50.62	57.96	67.73	273	126	70.90	81.45	67.73	273
Total Liabilities	2,377	2,775	2,887	2,918	3,058	3,090	3,110	2,279	2,233	2,146	2,120	2,341	2,365	2,213	2,146	2,120

Common Stock	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79
Retained Earnings	242	258	270	273	273	274	273	191	141	145	147	141	142	144	145	147
Additional Paid-In Capital	496	496	498	496	498	499	499	494	490	490	489	489	489	489	490	489
Treasury Stock	--	-64.52	-196	-218	-334	-356	-367	-367	-361	-359	-358	-359	-359	-359	-359	-358
Total Equity	731	670	544	534	430	400	402	313	266	272	274	269	269	272	272	274
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	22.60	29.55	28.03	20.60	17.10	17.16	13.73	-72.64	-47.57	6.75	8.14	1.16	1.33	1.97	2.31	2.55
Depreciation, Depletion and Amortization	9.78	9.77	10.27	12.39	7.27	3.09	3.43	3.68	5.73	6.47	7.09	1.04	0.98	0.98	3.47	1.66
Cash Flow from Others	29.52	-11.65	-8.45	-23.23	1.13	-14.69	17.18	45.11	126	30.80	22.78	-6.85	17.97	-11.79	31.47	-14.87
Cash Flow from Operations	61.89	27.67	29.85	9.75	25.50	5.55	34.33	-23.84	83.83	44.03	38.02	-4.65	20.27	-8.84	37.25	-10.66

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-2.12	-2.05	-1.84	-2.69	-3.10	-0.69	-0.59	-0.54	-0.87	-1.10
Cash Flow from Investing	-480	-379	43.98	3.32	-46.91	80.62	100	948	-141	18.66	132	-44.99	-24.32	38.75	49.21	68.09

Net Issuance of Stock	398	-77.64	-132	-25.89	-119	-26.61	-14.40	-5.03	--	--	--	--	--	--	--	--
Net Issuance of Debt	-55.49	462	4.27	-60.77	207	-4.49	-0.41	0.19	3.16	57.70	25.19	29.70	129	-100	-0.32	-2.81
Cash Flow for Dividends	-5.93	-13.40	-16.22	-15.96	-17.23	-16.44	-15.03	-8.64	-2.88	-2.32	-2.78	-0.46	-0.46	-0.46	-0.93	-0.93
Other Financing	-73.44	-68.96	102	65.59	-56.02	35.32	10.06	-905	-54.64	-152	-185	21.19	-40.60	-52.49	-80.04	-12.04
Cash Flow from Financing	263	302	-41.99	-37.02	14.90	-12.23	-19.78	-919	-54.36	-96.56	-163	50.42	87.56	-153	-81.28	-15.79

Net Change in Cash	-155	-48.93	31.84	-23.96	-6.51	73.94	115	5.17	-112	-33.88	6.99	0.78	83.52	-123	5.18	41.64

Free Cash Flow	61.89	27.67	29.85	9.75	25.50	5.55	32.21	-25.89	81.99	41.34	34.92	-5.34	19.69	-9.38	36.37	-11.76
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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BKMU Quarterly/Annuals Reports

BKMU: 10-Q - BANK MUTUAL CORP (0001123270) (Filer): (10-Q) - 2012-11-06
BKMU: 10-Q - BANK MUTUAL CORP (0001123270) (Filer): (10-Q) - 2012-08-07
BKMU: 10-Q - BANK MUTUAL CORP (0001123270) (Filer): (10-Q) - 2012-05-08
BKMU: 10-K - BANK MUTUAL CORP (0001123270) (Filer): (10-K) - 2012-03-05
BKMU: 10-Q - BANK MUTUAL CORP (0001123270) (Filer): (10-Q) - 2011-11-08

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