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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.11
BKMU's Cash-to-Debt is ranked lower than
93% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 vs. BKMU: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
BKMU' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.18 Max: N/A
Current: 0.11
Equity-to-Asset 0.11
BKMU's Equity-to-Asset is ranked higher than
63% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BKMU: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
BKMU' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.24
Current: 0.11
0.09
0.24
Interest Coverage 2.51
BKMU's Interest Coverage is ranked higher than
61% of the 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. BKMU: 2.51 )
Ranked among companies with meaningful Interest Coverage only.
BKMU' s Interest Coverage Range Over the Past 10 Years
Min: 0.23  Med: 0.86 Max: 2.51
Current: 2.51
0.23
2.51
Beneish M-Score: -2.48
WACC vs ROIC
2.59%
2.62%
WACC
ROIC
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 % 27.29
BKMU's Operating Margin % is ranked lower than
60% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 vs. BKMU: 27.29 )
Ranked among companies with meaningful Operating Margin % only.
BKMU' s Operating Margin % Range Over the Past 10 Years
Min: -141.03  Med: 21.89 Max: 29.43
Current: 27.29
-141.03
29.43
Net Margin % 17.09
BKMU's Net Margin % is ranked lower than
67% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 vs. BKMU: 17.09 )
Ranked among companies with meaningful Net Margin % only.
BKMU' s Net Margin % Range Over the Past 10 Years
Min: -83.59  Med: 14.62 Max: 19.08
Current: 17.09
-83.59
19.08
ROE % 5.94
BKMU's ROE % is ranked lower than
68% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. BKMU: 5.94 )
Ranked among companies with meaningful ROE % only.
BKMU' s ROE % Range Over the Past 10 Years
Min: -20.31  Med: 3.73 Max: 5.99
Current: 5.94
-20.31
5.99
ROA % 0.65
BKMU's ROA % is ranked lower than
64% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. BKMU: 0.65 )
Ranked among companies with meaningful ROA % only.
BKMU' s ROA % Range Over the Past 10 Years
Min: -2.38  Med: 0.47 Max: 0.66
Current: 0.65
-2.38
0.66
3-Year Revenue Growth Rate 2.90
BKMU's 3-Year Revenue Growth Rate is ranked lower than
55% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. BKMU: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BKMU' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.3 Max: 16.9
Current: 2.9
0
16.9
3-Year EBITDA Growth Rate 15.50
BKMU's 3-Year EBITDA Growth Rate is ranked higher than
74% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. BKMU: 15.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BKMU' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.6 Max: 21.2
Current: 15.5
0
21.2
3-Year EPS without NRI Growth Rate 17.20
BKMU's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. BKMU: 17.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BKMU' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.4 Max: 92
Current: 17.2
0
92
GuruFocus has detected 5 Warning Signs with Bank Mutual Corp $BKMU.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BKMU's 10-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

BKMU Guru Trades in Q1 2016

Jim Simons 1,505,600 sh (+3.96%)
Mairs and Power 268,213 sh (-5.83%)
» More
Q2 2016

BKMU Guru Trades in Q2 2016

Jim Simons 1,631,553 sh (+8.37%)
Mairs and Power 268,213 sh (unchged)
» More
Q3 2016

BKMU Guru Trades in Q3 2016

Jim Simons 1,725,453 sh (+5.76%)
Mairs and Power 267,613 sh (-0.22%)
» More
Q4 2016

BKMU Guru Trades in Q4 2016

Jim Simons 2,026,323 sh (+17.44%)
Mairs and Power 264,953 sh (-0.99%)
» More
» Details

Insider Trades

Latest Guru Trades with BKMU

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:FDEF, NAS:UCFC, NAS:EBTC, NAS:HIFS, NAS:CSBK, NAS:BSF, NAS:WSBF, NAS:TBNK, NAS:BFIN, OTCPK:NASB, NAS:HONE, NAS:HBCP, NAS:SMBC, NAS:GCBC, NAS:ICBK, NAS:LSBG, NAS:FNWB, NAS:SIFI, NAS:ESSA, NAS:RVSB » details
Bank Mutual Corp is a federal unitary savings and loan holding company. The Company, through its subsidiary bank, offers financial services to customers who are mainly located in the state of Wisconsin.

Bank Mutual Corp is a Wisconsin corporation founded in 1892. The Company is a federally chartered savings and loan bank holding company and it owns 100% of the common stock of Bank Mutual or the Bank. The Bank's main business is community banking, which includes attracting deposits from and making loans to the general public and private businesses, as well as governmental and non-profit entities. In addition to deposits, the Bank obtains funds through borrowings from the Federal Home Loan Bank of Chicago. These funding sources are mainly used to originate loans, including commercial and industrial loans, multi-family residential loans, non-residential commercial real estate loans, one- to four-family loans, home equity loans, and other consumer loans. From time-to-time, the Bank also purchases and/or participates in loans from third-party financial institutions and is an active seller of residential loans in the secondary market. It also invests in mortgage-related and other investment securities. The Company's loan portfolio consists of loans to both commercial and retail borrowers. Loans to commercial borrowers include loans secured by real estate such as multi-family properties, non-residential commercial properties, and construction and development projects secured by these same types of properties, as well as land. In addition, commercial loans include loans to businesses that are not secured by real estate. Loans to retail borrowers include loans to individuals that are secured by real estate such as one- to four-family first mortgages, home equity term loans, and home equity lines of credit. In addition, retail loans include student loans, automobile loans, and other loans not secured by real estate. The Company has determined that it has one reportable segment: community banking. The Company offers financial products and services to external customers, including accepting deposits from the public, originating secured and unsecured loans to commercial and retail borrowers, and marketing annuities and other insurance products. The Company faces competition from other financial service companies, such as mortgage brokerage firms, finance companies, insurance companies, investment brokerage firms, and mutual funds. As a federally chartered, FDIC-insured savings bank, the Bank is subject to regulation by the OCC and the FDIC.

Ratios

vs
industry
vs
history
PE Ratio 25.01
BKMU's PE Ratio is ranked lower than
86% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. BKMU: 25.01 )
Ranked among companies with meaningful PE Ratio only.
BKMU' s PE Ratio Range Over the Past 10 Years
Min: 18.34  Med: 29.55 Max: 49.31
Current: 25.01
18.34
49.31
Forward PE Ratio 24.63
BKMU's Forward PE Ratio is ranked lower than
95% of the 526 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.33 vs. BKMU: 24.63 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 25.01
BKMU's PE Ratio without NRI is ranked lower than
84% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. BKMU: 25.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
BKMU' s PE Ratio without NRI Range Over the Past 10 Years
Min: 18.34  Med: 29.55 Max: 49.31
Current: 25.01
18.34
49.31
Price-to-Owner-Earnings 22.35
BKMU's Price-to-Owner-Earnings is ranked lower than
78% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. BKMU: 22.35 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BKMU' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 12.1  Med: 21.83 Max: 191.27
Current: 22.35
12.1
191.27
PB Ratio 1.51
BKMU's PB Ratio is ranked lower than
68% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. BKMU: 1.51 )
Ranked among companies with meaningful PB Ratio only.
BKMU' s PB Ratio Range Over the Past 10 Years
Min: 0.44  Med: 1.1 Max: 1.59
Current: 1.51
0.44
1.59
PS Ratio 4.37
BKMU's PS Ratio is ranked lower than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. BKMU: 4.37 )
Ranked among companies with meaningful PS Ratio only.
BKMU' s PS Ratio Range Over the Past 10 Years
Min: 1.53  Med: 3.6 Max: 7.97
Current: 4.37
1.53
7.97
Price-to-Free-Cash-Flow 16.57
BKMU's Price-to-Free-Cash-Flow is ranked lower than
68% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. BKMU: 16.57 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BKMU' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.76  Med: 15.77 Max: 363.94
Current: 16.57
1.76
363.94
Price-to-Operating-Cash-Flow 15.63
BKMU's Price-to-Operating-Cash-Flow is ranked lower than
71% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. BKMU: 15.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BKMU' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.72  Med: 13.85 Max: 169.72
Current: 15.63
1.72
169.72
EV-to-EBIT 30.49
BKMU's EV-to-EBIT is ranked lower than
87% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. BKMU: 30.49 )
Ranked among companies with meaningful EV-to-EBIT only.
BKMU' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.6  Med: 31.3 Max: 150.2
Current: 30.49
-5.6
150.2
EV-to-EBITDA 28.23
BKMU's EV-to-EBITDA is ranked lower than
88% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. BKMU: 28.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
BKMU' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.6  Med: 27.5 Max: 83.6
Current: 28.23
-6.6
83.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.31
BKMU's Dividend Yield % is ranked lower than
56% of the 2303 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. BKMU: 2.31 )
Ranked among companies with meaningful Dividend Yield % only.
BKMU' s Dividend Yield % Range Over the Past 10 Years
Min: 0.85  Med: 2.52 Max: 5.71
Current: 2.31
0.85
5.71
Dividend Payout Ratio 0.58
BKMU's Dividend Payout Ratio is ranked lower than
82% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. BKMU: 0.58 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BKMU' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.6 Max: 1.17
Current: 0.58
0.33
1.17
3-Year Dividend Growth Rate 29.10
BKMU's 3-Year Dividend Growth Rate is ranked higher than
85% of the 772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. BKMU: 29.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BKMU' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 12.9 Max: 56
Current: 29.1
0
56
Forward Dividend Yield % 2.35
BKMU's Forward Dividend Yield % is ranked lower than
62% of the 2274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. BKMU: 2.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 10.79
BKMU's 5-Year Yield-on-Cost % is ranked higher than
91% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.27 vs. BKMU: 10.79 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BKMU' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.97  Med: 11.77 Max: 26.66
Current: 10.79
3.97
26.66
3-Year Average Share Buyback Ratio 0.50
BKMU's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. BKMU: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BKMU' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.5  Med: 2.8 Max: 0
Current: 0.5
-0.5
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
BKMU's Price-to-Tangible-Book is ranked lower than
63% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. BKMU: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BKMU' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.57  Med: 1.33 Max: 1.93
Current: 1.55
0.57
1.93
Price-to-Intrinsic-Value-Projected-FCF 0.76
BKMU's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BKMU: 0.76 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BKMU' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.66 Max: 1.08
Current: 0.76
0.37
1.08
Price-to-Median-PS-Value 1.22
BKMU's Price-to-Median-PS-Value is ranked lower than
54% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BKMU: 1.22 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BKMU' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.15 Max: 2.7
Current: 1.22
0.47
2.7
Price-to-Graham-Number 1.31
BKMU's Price-to-Graham-Number is ranked lower than
77% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. BKMU: 1.31 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BKMU' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.98  Med: 1.28 Max: 1.64
Current: 1.31
0.98
1.64
Earnings Yield (Greenblatt) % 3.28
BKMU's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 vs. BKMU: 3.28 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BKMU' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.7  Med: 2.5 Max: 4.6
Current: 3.28
0.7
4.6
Forward Rate of Return (Yacktman) % -13.71
BKMU's Forward Rate of Return (Yacktman) % is ranked lower than
92% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. BKMU: -13.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BKMU' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -13.71  Med: 9 Max: 16.5
Current: -13.71
-13.71
16.5

More Statistics

Revenue (TTM) (Mil) $99.19
EPS (TTM) $ 0.38
Beta0.14
Short Percentage of Float0.69%
52-Week Range $7.20 - 10.20
Shares Outstanding (Mil)45.89

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.38 0.44
EPS without NRI ($) 0.38 0.44
EPS Growth Rate
(Future 3Y To 5Y Estimate)
5.00%
Dividends per Share ($) 0.24 0.24
» More Articles for BKMU

Headlines

Articles On GuruFocus.com
My 5 Favorite Dividend Growth Stocks From Last Week Aug 11 2013 
Weekly Top CFO Buys: FCAL, BRO,BKMU, TUES, OILT Aug 01 2011 
Bank Mutual Corp. (BKMU) CEO Michael T Jr Crowley buys 5,000 Shares Mar 14 2011 
Five Banks with CEO Purchases in the Past Week: BKMU, MSFG, BDGE, UVSP, CNBC Feb 16 2011 
Bank Mutual Corp. (BKMU) CEO Michael T Jr Crowley buys 5,000 Shares Feb 15 2011 
Weekly CFO Buys Highlight: Bank Mutual Corp., Heelys Inc., GenMark Diagnostics Inc., Regeneration Te Sep 19 2010 
Bank Mutual Corp. (BKMU) CFO Michael W Dosland buys 10,000 Shares Sep 15 2010 
Bank Mutual Corp. (BKMU) CEO Michael T Jr Crowley buys 1,100 Shares Sep 13 2010 
Weekly CFO Buys Highlight: Riverview Bancorp, BioScrip, Cascade Financial, Bank Mutual, Sykes Enterp Aug 07 2010 

More From Other Websites
Bank Mutual Corp. breached its 50 day moving average in a Bearish Manner : BKMU-US : March 21, 2017 Mar 21 2017
BANK MUTUAL CORP Financials Mar 10 2017
Bank Mutual Corp. breached its 50 day moving average in a Bearish Manner : BKMU-US : March 7, 2017 Mar 07 2017
BANK MUTUAL CORP Files SEC form 10-K, Annual Report Mar 06 2017
Bank Mutual Corporation Announces Quarterly Cash Dividend And Stock Repurchase Program Feb 06 2017
ETFs with exposure to Bank Mutual Corp. : January 24, 2017 Jan 24 2017
Bank Mutual Corp. :BKMU-US: Earnings Analysis: Q4, 2016 By the Numbers : January 20, 2017 Jan 20 2017
Bank Mutual's 4Q earnings increase 10.5% Jan 19 2017
BANK MUTUAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 19 2017
Bank Mutual posts 4Q profit Jan 18 2017
Bank Mutual posts 4Q profit Jan 18 2017
Bank Mutual Corporation Reports 10.5% Increase In Net Income For The Fourth Quarter Of 2016 Jan 18 2017
Bank Mutual Corp. : BKMU-US: Dividend Analysis : November 18th, 2016 (record date) : By the numbers... Jan 13 2017
Is Bank Mutual Corporation (BKMU) A Good Stock to Buy? Dec 15 2016
Is Bank Mutual (BKMU) Stock a Solid Choice Right Now? Nov 21 2016
Looking for a Top Momentum Stock? 3 Reasons Why Bank Mutual Corp. (BKMU) is a Great Choice Nov 15 2016
ETF’s with exposure to Bank Mutual Corp. : November 11, 2016 Nov 11 2016
Bank Mutual Corp. breached its 50 day moving average in a Bullish Manner : BKMU-US : November 10,... Nov 10 2016
Bank Mutual Corporation Announces Quarterly Cash Dividend Nov 08 2016
BANK MUTUAL CORP Files SEC form 10-Q, Quarterly Report Nov 08 2016

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