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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 0.10
BKMU's Cash to Debt is ranked lower than
92% of the 1456 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. BKMU: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
BKMU' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.17 Max: N/A
Current: 0.1
Equity to Asset 0.11
BKMU's Equity to Asset is ranked higher than
62% of the 1593 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: 0.1  Med: 0.12 Max: 0.24
Current: 0.11
0.1
0.24
Interest Coverage 2.37
BKMU's Interest Coverage is ranked higher than
59% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 vs. BKMU: 2.37 )
Ranked among companies with meaningful Interest Coverage only.
BKMU' s Interest Coverage Range Over the Past 10 Years
Min: 0.23  Med: 0.39 Max: 2.5
Current: 2.37
0.23
2.5
F-Score: 4
M-Score: -2.54
WACC vs ROIC
2.45%
2.51%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 26.01
BKMU's Operating margin (%) is ranked lower than
62% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.90 vs. BKMU: 26.01 )
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: 32.92
Current: 26.01
-141.03
32.92
Net-margin (%) 16.37
BKMU's Net-margin (%) is ranked lower than
70% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.30 vs. BKMU: 16.37 )
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: 22.3
Current: 16.37
-83.59
22.3
ROE (%) 5.49
BKMU's ROE (%) is ranked lower than
71% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. BKMU: 5.49 )
Ranked among companies with meaningful ROE (%) only.
BKMU' s ROE (%) Range Over the Past 10 Years
Min: -20.31  Med: 3.69 Max: 5.49
Current: 5.49
-20.31
5.49
ROA (%) 0.62
BKMU's ROA (%) is ranked lower than
67% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. BKMU: 0.62 )
Ranked among companies with meaningful ROA (%) only.
BKMU' s ROA (%) Range Over the Past 10 Years
Min: -2.38  Med: 0.47 Max: 0.63
Current: 0.62
-2.38
0.63
Revenue Growth (3Y)(%) 0.50
BKMU's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. BKMU: 0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BKMU' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.4 Max: 91.3
Current: 0.5
0
91.3
EBITDA Growth (3Y)(%) 19.00
BKMU's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. BKMU: 19.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BKMU' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.4 Max: 98.8
Current: 19
0
98.8
EPS Growth (3Y)(%) 27.40
BKMU's EPS Growth (3Y)(%) is ranked higher than
85% of the 1206 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. BKMU: 27.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BKMU' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.1 Max: 92
Current: 27.4
0
92
» BKMU's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-14)


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

» Details

Guru Trades

Q3 2015

BKMU Guru Trades in Q3 2015

Jim Simons 1,411,153 sh (+1.66%)
Mairs and Power 281,013 sh (-3.57%)
» More
Q4 2015

BKMU Guru Trades in Q4 2015

Jim Simons 1,448,233 sh (+2.63%)
Mairs and Power 284,813 sh (+1.35%)
» More
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
» 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
Compare:NAS:BSF, NAS:CSBK, OTCPK:BFCFB, NAS:UCFC, NAS:FDEF, NAS:EBTC, NAS:TBNK, NAS:BFIN, NAS:FXCB, OTCPK:NASB, NAS:LOB, NAS:WSBF, NAS:HBCP, NAS:OCFC, NAS:PULB, NAS:CASH, NAS:SMBC, NAS:FNWB, NAS:SIFI, NAS:PROV » 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
P/E(ttm) 23.16
BKMU's P/E(ttm) is ranked lower than
82% of the 1491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. BKMU: 23.16 )
Ranked among companies with meaningful P/E(ttm) only.
BKMU' s P/E(ttm) Range Over the Past 10 Years
Min: 18.34  Med: 29.47 Max: 49.31
Current: 23.16
18.34
49.31
Forward P/E 23.15
BKMU's Forward P/E is ranked lower than
94% of the 370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.85 vs. BKMU: 23.15 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.16
BKMU's PE(NRI) is ranked lower than
82% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.36 vs. BKMU: 23.16 )
Ranked among companies with meaningful PE(NRI) only.
BKMU' s PE(NRI) Range Over the Past 10 Years
Min: 18.34  Med: 29.47 Max: 49.31
Current: 23.16
18.34
49.31
Price/Owner Earnings (ttm) 14.95
BKMU's Price/Owner Earnings (ttm) is ranked lower than
60% of the 838 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.83 vs. BKMU: 14.95 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BKMU' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 12.04  Med: 20.61 Max: 191.27
Current: 14.95
12.04
191.27
P/B 1.25
BKMU's P/B is ranked lower than
63% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. BKMU: 1.25 )
Ranked among companies with meaningful P/B only.
BKMU' s P/B Range Over the Past 10 Years
Min: 0.44  Med: 1.11 Max: 1.47
Current: 1.25
0.44
1.47
P/S 3.81
BKMU's P/S is ranked lower than
65% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. BKMU: 3.81 )
Ranked among companies with meaningful P/S only.
BKMU' s P/S Range Over the Past 10 Years
Min: 1.53  Med: 3.61 Max: 7.97
Current: 3.81
1.53
7.97
PFCF 22.18
BKMU's PFCF is ranked lower than
82% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. BKMU: 22.18 )
Ranked among companies with meaningful PFCF only.
BKMU' s PFCF Range Over the Past 10 Years
Min: 1.76  Med: 16.07 Max: 363.94
Current: 22.18
1.76
363.94
POCF 19.06
BKMU's POCF is ranked lower than
85% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.12 vs. BKMU: 19.06 )
Ranked among companies with meaningful POCF only.
BKMU' s POCF Range Over the Past 10 Years
Min: 1.72  Med: 14.02 Max: 169.72
Current: 19.06
1.72
169.72
EV-to-EBIT 30.13
BKMU's EV-to-EBIT is ranked lower than
85% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.74 vs. BKMU: 30.13 )
Ranked among companies with meaningful EV-to-EBIT only.
BKMU' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.6  Med: 33.15 Max: 150.2
Current: 30.13
-5.6
150.2
EV-to-EBITDA 24.91
BKMU's EV-to-EBITDA is ranked lower than
84% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. BKMU: 24.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
BKMU' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.6  Med: 24.65 Max: 83.6
Current: 24.91
-6.6
83.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.67
BKMU's Dividend Yield is ranked lower than
54% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. BKMU: 2.67 )
Ranked among companies with meaningful Dividend Yield only.
BKMU' s Dividend Yield Range Over the Past 10 Years
Min: 0.85  Med: 2.45 Max: 5.71
Current: 2.67
0.85
5.71
Dividend Payout 0.60
BKMU's Dividend Payout is ranked lower than
83% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. BKMU: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
BKMU' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.55 Max: 3.5
Current: 0.6
0.11
3.5
Dividend Growth (3y) 56.00
BKMU's Dividend Growth (3y) is ranked higher than
93% of the 733 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. BKMU: 56.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BKMU' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 9.15 Max: 56
Current: 56
0
56
Forward Dividend Yield 2.80
BKMU's Forward Dividend Yield is ranked lower than
56% of the 2090 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. BKMU: 2.80 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.20
BKMU's Yield on cost (5-Year) is ranked higher than
59% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.48 vs. BKMU: 4.20 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BKMU' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.34  Med: 3.86 Max: 8.99
Current: 4.2
1.34
8.99
3-Year Average Share Buyback Ratio 0.60
BKMU's 3-Year Average Share Buyback Ratio is ranked higher than
84% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. BKMU: 0.60 )
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: 3.15 Max: 0
Current: 0.6
-0.5
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
BKMU's Price/Tangible Book is ranked lower than
58% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. BKMU: 1.28 )
Ranked among companies with meaningful Price/Tangible Book only.
BKMU' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.46  Med: 1.3 Max: 3.55
Current: 1.28
0.46
3.55
Price/Projected FCF 0.70
BKMU's Price/Projected FCF is ranked higher than
50% of the 847 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. BKMU: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
BKMU' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.66 Max: 1.1
Current: 0.7
0.36
1.1
Price/Median PS Value 1.06
BKMU's Price/Median PS Value is ranked lower than
51% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. BKMU: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
BKMU' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.43  Med: 1.21 Max: 2.61
Current: 1.06
0.43
2.61
Price/Graham Number 1.15
BKMU's Price/Graham Number is ranked lower than
74% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. BKMU: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
BKMU' s Price/Graham Number Range Over the Past 10 Years
Min: 0.98  Med: 1.21 Max: 1.9
Current: 1.15
0.98
1.9
Earnings Yield (Greenblatt) (%) 3.38
BKMU's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. BKMU: 3.38 )
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: 3.38
0.7
4.6
Forward Rate of Return (Yacktman) (%) -13.68
BKMU's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.00 vs. BKMU: -13.68 )
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: -13.68  Med: 7.8 Max: 32.7
Current: -13.68
-13.68
32.7

More Statistics

Revenue (TTM) (Mil) $94.42
EPS (TTM) $ 0.34
Beta0.18
Short Percentage of Float1.01%
52-Week Range $6.83 - 8.50
Shares Outstanding (Mil)45.59

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.34 0.37
EPS w/o NRI ($) 0.34 0.37
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.22 0.24

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