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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.42
BNCL's Cash to Debt is ranked higher than
76% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCL: 1.42 )
BNCL' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.42

Equity to Asset 0.13
BNCL's Equity to Asset is ranked higher than
82% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCL: 0.13 )
BNCL' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.17
Current: 0.13

0.12
0.17
Interest Coverage 0.59
BNCL's Interest Coverage is ranked higher than
55% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BNCL: 0.59 )
BNCL' s 10-Year Interest Coverage Range
Min: 0.22   Max: 9999.99
Current: 0.59

0.22
9999.99
F-Score: 4
Z-Score: 0.28
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 (%) 10.19
BNCL's Operating margin (%) is ranked higher than
51% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. BNCL: 10.19 )
BNCL' s 10-Year Operating margin (%) Range
Min: -13.59   Max: 23.41
Current: 10.19

-13.59
23.41
Net-margin (%) 8.45
BNCL's Net-margin (%) is ranked higher than
52% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. BNCL: 8.45 )
BNCL' s 10-Year Net-margin (%) Range
Min: -5.13   Max: 20.83
Current: 8.45

-5.13
20.83
ROE (%) 2.04
BNCL's ROE (%) is ranked higher than
53% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. BNCL: 2.04 )
BNCL' s 10-Year ROE (%) Range
Min: -1.46   Max: 5.98
Current: 2.04

-1.46
5.98
ROA (%) 0.27
BNCL's ROA (%) is ranked higher than
53% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. BNCL: 0.27 )
BNCL' s 10-Year ROA (%) Range
Min: -0.18   Max: 0.69
Current: 0.27

-0.18
0.69
ROC (Joel Greenblatt) (%) 21.15
BNCL's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. BNCL: 21.15 )
BNCL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -36.92   Max: 56.98
Current: 21.15

-36.92
56.98
Revenue Growth (%) -4.50
BNCL's Revenue Growth (%) is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BNCL: -4.50 )
BNCL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 11.8
Current: -4.5

0
11.8
» BNCL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

BNCL Guru Trades in Q1 2013

Jim Simons 140,481 sh (+74.73%)
John Keeley 537,790 sh (+0.4%)
» More
Q2 2013

BNCL Guru Trades in Q2 2013

John Keeley 458,714 sh (-14.7%)
Jim Simons 93,641 sh (-33.34%)
» More
Q3 2013

BNCL Guru Trades in Q3 2013

John Keeley Sold Out
Jim Simons 81,700 sh (-12.75%)
» More
Q4 2013

BNCL Guru Trades in Q4 2013

Jim Simons 71,600 sh (-12.36%)
» More
» Details

Insider Trades

Latest Guru Trades with BNCL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-09-30 Sold Out 0.08%$8.43 - $10 $ 13.5849%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 80.30
BNCL's P/E(ttm) is ranked lower than
67% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. BNCL: 80.30 )
BNCL' s 10-Year P/E(ttm) Range
Min: 26.88   Max: 250.87
Current: 80.3

26.88
250.87
P/B 1.70
BNCL's P/B is ranked lower than
57% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCL: 1.70 )
BNCL' s 10-Year P/B Range
Min: 0.93   Max: 1.71
Current: 1.7

0.93
1.71
P/S 6.94
BNCL's P/S is ranked lower than
85% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. BNCL: 6.94 )
BNCL' s 10-Year P/S Range
Min: 2.61   Max: 6.97
Current: 6.94

2.61
6.97
PFCF 38.80
BNCL's PFCF is ranked lower than
79% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BNCL: 38.80 )
BNCL' s 10-Year PFCF Range
Min: 4.34   Max: 404
Current: 38.8

4.34
404
EV-to-EBIT 83.30
BNCL's EV-to-EBIT is ranked lower than
74% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. BNCL: 83.30 )
BNCL' s 10-Year EV-to-EBIT Range
Min: 29   Max: 4385.8
Current: 83.3

29
4385.8
Shiller P/E 93.10
BNCL's Shiller P/E is ranked lower than
73% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. BNCL: 93.10 )
BNCL' s 10-Year Shiller P/E Range
Min: 48.33   Max: 93.1
Current: 93.1

48.33
93.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.20
BNCL's Price/Tangible Book is ranked lower than
62% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BNCL: 2.20 )
BNCL' s 10-Year Price/Tangible Book Range
Min: 1.33   Max: 1.95
Current: 2.2

1.33
1.95
Price/DCF (Projected) 1.20
BNCL's Price/DCF (Projected) is ranked lower than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BNCL: 1.20 )
BNCL' s 10-Year Price/DCF (Projected) Range
Min: 0.82   Max: 1.05
Current: 1.2

0.82
1.05
Price/Median PS Value 1.60
BNCL's Price/Median PS Value is ranked lower than
69% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BNCL: 1.60 )
BNCL' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 1.46
Current: 1.6

0.63
1.46
Price/Graham Number 2.80
BNCL's Price/Graham Number is ranked lower than
71% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BNCL: 2.80 )
BNCL' s 10-Year Price/Graham Number Range
Min: 1.83   Max: 2.28
Current: 2.8

1.83
2.28
Earnings Yield (Greenblatt) 1.20
BNCL's Earnings Yield (Greenblatt) is ranked lower than
63% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BNCL: 1.20 )
BNCL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.5
Current: 1.2

0.6
3.5
Forward Rate of Return (Yacktman) 2.77
BNCL's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. BNCL: 2.77 )
BNCL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.9   Max: 6.1
Current: 2.77

1.9
6.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Beneficial Mutual Bancorp Inc was organized on August 24, 2004 under the laws of the United States in connection with the mutual holding company reorganization of Beneficial Bank; a Pennsylvania chartered savings bank which has also operated under the name Beneficial Mutual Savings Bank. The bank together with its subsidiaries, offers traditional financial services to consumers and businesses in its market areas. It attracts deposits from the general public and uses those funds to originate a variety of loans, including commercial real estate loans, consumer loans, home equity loans, one-to-four family real estate loans, commercial business loans and construction loans. It offers insurance brokerage and investment advisory services through its wholly owned subsidiaries, Beneficial Insurance Services, LLC and Beneficial Advisors, LLC, respectively. It currently operate 36 full-service banking offices in Chester, Delaware, Montgomery, Philadelphia and Bucks Counties, Pennsylvania and 26 full-service banking offices in Burlington, Gloucester, and Camden Counties, New Jersey. It also maintains an investment portfolio. The Company offers loans including commercial, residential and consumer loans. The commercial loan portfolio includes business loans, commercial real estate loans and commercial construction loans The consumer loan portfolio primarily includes automobile loans, personal loans including recreational vehicles, manufactured housing and marine loans, educational loans and home equity loans and lines of credit. The residential loan portfolio includes one-to-four family residential real estate loans and one-to-four family residential construction loans. The Company offers two types of residential mortgage loans: fixed-rate loans and adjustable-rate loans. It offers fixed-rate mortgage loans with terms of up to 30 years. It offers adjustable-rate mortgage loans with interest rates and payments that adjust annually after an initial fixed period of one, three or five years. Interest rates and payments on its adjustable-rate loans generally are adjusted to a rate equal to a percentage above the U.S. Treasury Security Index. The Company offers commercial real estate loans secured by real estate mainly with adjustable rates. It originates a variety of commercial real estate loans generally for terms up to 10 years and payments based on an amortization schedule of up to 25 years. Its main market consists of Chester, Delaware, Montgomery, Philadelphia and Bucks Counties, Pennsylvania and Burlington, Camden, and Gloucester Counties, New Jersey. The Company faces competition for the attraction of deposits and origination of loans. It also faces competition for investors' funds from money market funds, mutual funds and other corporate and government securities.

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