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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.12
BKMU's Cash to Debt is ranked lower than
90% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. BKMU: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
BKMU' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.17 Max: N/A
Current: 0.12
Equity to Asset 0.12
BKMU's Equity to Asset is ranked higher than
71% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BKMU: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
BKMU' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.12 Max: 0.24
Current: 0.12
0.1
0.24
Interest Coverage 2.50
BKMU's Interest Coverage is ranked higher than
61% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. BKMU: 2.50 )
Ranked among companies with meaningful Interest Coverage only.
BKMU' s 10-Year Interest Coverage Range
Min: 0.23  Med: 0.45 Max: 2.5
Current: 2.5
0.23
2.5
F-Score: 5
WACC vs ROIC
9.66%
2.99%
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 (%) 25.68
BKMU's Operating margin (%) is ranked lower than
59% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. BKMU: 25.68 )
Ranked among companies with meaningful Operating margin (%) only.
BKMU' s 10-Year Operating margin (%) Range
Min: -519.5  Med: 29.13 Max: 42.39
Current: 25.68
-519.5
42.39
Net-margin (%) 16.56
BKMU's Net-margin (%) is ranked lower than
67% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. BKMU: 16.56 )
Ranked among companies with meaningful Net-margin (%) only.
BKMU' s 10-Year Net-margin (%) Range
Min: -83.59  Med: 18.96 Max: 28.11
Current: 16.56
-83.59
28.11
ROE (%) 5.41
BKMU's ROE (%) is ranked lower than
69% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. BKMU: 5.41 )
Ranked among companies with meaningful ROE (%) only.
BKMU' s 10-Year ROE (%) Range
Min: -20.31  Med: 4.14 Max: 8.46
Current: 5.41
-20.31
8.46
ROA (%) 0.66
BKMU's ROA (%) is ranked lower than
60% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BKMU: 0.66 )
Ranked among companies with meaningful ROA (%) only.
BKMU' s 10-Year ROA (%) Range
Min: -2.38  Med: 0.60 Max: 0.92
Current: 0.66
-2.38
0.92
ROC (Joel Greenblatt) (%) 57.10
BKMU's ROC (Joel Greenblatt) (%) is ranked lower than
58% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. BKMU: 57.10 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BKMU' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -181.91  Med: 33.99 Max: 151.76
Current: 57.1
-181.91
151.76
Revenue Growth (3Y)(%) 2.30
BKMU's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. BKMU: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BKMU' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.40 Max: 90.2
Current: 2.3
0
90.2
» BKMU's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

BKMU Guru Trades in Q2 2014

Bill Frels 296,313 sh (+1.72%)
Jim Simons 993,783 sh (-0.36%)
» More
Q3 2014

BKMU Guru Trades in Q3 2014

Jim Simons 1,024,553 sh (+3.10%)
Bill Frels 288,613 sh (-2.60%)
» More
Q4 2014

BKMU Guru Trades in Q4 2014

Jim Simons 1,116,153 sh (+8.94%)
Bill Frels 288,613 sh (unchged)
» More
Q1 2015

BKMU Guru Trades in Q1 2015

Jim Simons 1,218,800 sh (+9.20%)
Bill Frels 288,613 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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Ratios

vs
industry
vs
history
P/E(ttm) 23.06
BKMU's P/E(ttm) is ranked lower than
81% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. BKMU: 23.06 )
Ranked among companies with meaningful P/E(ttm) only.
BKMU' s 10-Year P/E(ttm) Range
Min: 18.01  Med: 31.07 Max: 48.93
Current: 23.06
18.01
48.93
Forward P/E 19.80
BKMU's Forward P/E is ranked lower than
92% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. BKMU: 19.80 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.50
BKMU's PE(NRI) is ranked lower than
81% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. BKMU: 23.50 )
Ranked among companies with meaningful PE(NRI) only.
BKMU' s 10-Year PE(NRI) Range
Min: 17.87  Med: 30.94 Max: 49.31
Current: 23.5
17.87
49.31
P/B 1.28
BKMU's P/B is ranked lower than
63% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. BKMU: 1.28 )
Ranked among companies with meaningful P/B only.
BKMU' s 10-Year P/B Range
Min: 0.44  Med: 1.10 Max: 1.47
Current: 1.28
0.44
1.47
P/S 3.84
BKMU's P/S is ranked lower than
68% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. BKMU: 3.84 )
Ranked among companies with meaningful P/S only.
BKMU' s 10-Year P/S Range
Min: 1.53  Med: 3.60 Max: 11.06
Current: 3.84
1.53
11.06
PFCF 20.17
BKMU's PFCF is ranked lower than
75% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. BKMU: 20.17 )
Ranked among companies with meaningful PFCF only.
BKMU' s 10-Year PFCF Range
Min: 1.76  Med: 16.67 Max: 400.33
Current: 20.17
1.76
400.33
POCF 15.66
BKMU's POCF is ranked lower than
73% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. BKMU: 15.66 )
Ranked among companies with meaningful POCF only.
BKMU' s 10-Year POCF Range
Min: 1.72  Med: 14.42 Max: 172.14
Current: 15.66
1.72
172.14
EV-to-EBIT 26.69
BKMU's EV-to-EBIT is ranked lower than
79% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. BKMU: 26.69 )
Ranked among companies with meaningful EV-to-EBIT only.
BKMU' s 10-Year EV-to-EBIT Range
Min: -5.6  Med: 36.50 Max: 154.4
Current: 26.69
-5.6
154.4
Days Sales Outstanding 22.70
BKMU's Days Sales Outstanding is ranked higher than
76% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. BKMU: 22.70 )
Ranked among companies with meaningful Days Sales Outstanding only.
BKMU' s 10-Year Days Sales Outstanding Range
Min: 22.86  Med: 39.92 Max: 96.36
Current: 22.7
22.86
96.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.23
BKMU's Dividend Yield is ranked lower than
58% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. BKMU: 2.23 )
Ranked among companies with meaningful Dividend Yield only.
BKMU' s 10-Year Dividend Yield Range
Min: 0.85  Med: 2.28 Max: 5.71
Current: 2.23
0.85
5.71
Dividend Payout 0.48
BKMU's Dividend Payout is ranked lower than
72% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. BKMU: 0.48 )
Ranked among companies with meaningful Dividend Payout only.
BKMU' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.50 Max: 3.5
Current: 0.48
0.11
3.5
Dividend growth (3y) 35.70
BKMU's Dividend growth (3y) is ranked higher than
87% of the 640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. BKMU: 35.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
BKMU' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 5.40 Max: 39
Current: 35.7
0
39
Yield on cost (5-Year) 0.90
BKMU's Yield on cost (5-Year) is ranked lower than
89% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. BKMU: 0.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BKMU' s 10-Year Yield on cost (5-Year) Range
Min: 0.34  Med: 0.92 Max: 2.3
Current: 0.9
0.34
2.3
Share Buyback Rate -0.30
BKMU's Share Buyback Rate is ranked higher than
66% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. BKMU: -0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
BKMU' s 10-Year Share Buyback Rate Range
Min: 0  Med: 6.30 Max: -0.6
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
BKMU's Price/Tangible Book is ranked lower than
57% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. BKMU: 1.30 )
Ranked among companies with meaningful Price/Tangible Book only.
BKMU' s 10-Year Price/Tangible Book Range
Min: 0.46  Med: 1.33 Max: 3.56
Current: 1.3
0.46
3.56
Price/Projected FCF 0.65
BKMU's Price/Projected FCF is ranked higher than
53% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. BKMU: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
BKMU' s 10-Year Price/Projected FCF Range
Min: 0.36  Med: 0.67 Max: 1.18
Current: 0.65
0.36
1.18
Price/Median PS Value 1.07
BKMU's Price/Median PS Value is ranked higher than
57% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. BKMU: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
BKMU' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.42 Max: 2.99
Current: 1.07
0.43
2.99
Price/Graham Number 1.16
BKMU's Price/Graham Number is ranked lower than
74% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. BKMU: 1.16 )
Ranked among companies with meaningful Price/Graham Number only.
BKMU' s 10-Year Price/Graham Number Range
Min: 0.99  Med: 1.22 Max: 2.48
Current: 1.16
0.99
2.48
Earnings Yield (Greenblatt) (%) 3.74
BKMU's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. BKMU: 3.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BKMU' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 2.50 Max: 15.9
Current: 3.74
0.6
15.9
Forward Rate of Return (Yacktman) (%) -13.23
BKMU's Forward Rate of Return (Yacktman) (%) is ranked lower than
87% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. BKMU: -13.23 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BKMU' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -13.2  Med: 7.70 Max: 33.4
Current: -13.23
-13.2
33.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Bank Mutual Corp is a Wisconsin corporation founded in 1892. The Company is a federally-registered unitary 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 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 extensive regulation by the OCC and the FDIC.
» 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 
Bank Mutual Corporation Reports Earnings for the Fourth Quarter of 2008 and the Full Year 2008 Jan 15 2009 

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May 4, 2015: Bank Mutual Corporation Announces Quarterly Cash Dividend May 05 2015
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BANK MUTUAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 16 2015
Bank Mutual posts 1Q profit Apr 15 2015
Bank Mutual posts 1Q profit Apr 15 2015
Bank Mutual Corporation Reports 25% Increase In Net Income For The First Quarter Of 2015 Apr 15 2015
BANK MUTUAL CORP Financials Mar 14 2015
BANK MUTUAL CORP Files SEC form 10-K, Annual Report Mar 06 2015
BANK MUTUAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 10 2015
Bank Mutual Corporation Announces Closure of Seven Retail Branch Offices Feb 09 2015
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