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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 0.45
BNCL's Cash to Debt is ranked lower than
76% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. BNCL: 0.45 )
Ranked among companies with meaningful Cash to Debt only.
BNCL' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.39 Max: No Debt
Current: 0.45
Equity to Asset 0.18
BNCL's Equity to Asset is ranked higher than
91% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCL: 0.18 )
Ranked among companies with meaningful Equity to Asset only.
BNCL' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.14 Max: 0.24
Current: 0.18
0.11
0.24
Interest Coverage 1.64
BNCL's Interest Coverage is ranked higher than
50% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. BNCL: 1.64 )
Ranked among companies with meaningful Interest Coverage only.
BNCL' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.4 Max: 1.76
Current: 1.64
0.22
1.76
F-Score: 5
M-Score: -2.64
WACC vs ROIC
8.03%
1.96%
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 (%) 20.62
BNCL's Operating margin (%) is ranked lower than
74% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. BNCL: 20.62 )
Ranked among companies with meaningful Operating margin (%) only.
BNCL' s Operating margin (%) Range Over the Past 10 Years
Min: -13.59  Med: 11.14 Max: 22.64
Current: 20.62
-13.59
22.64
Net-margin (%) 13.45
BNCL's Net-margin (%) is ranked lower than
76% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. BNCL: 13.45 )
Ranked among companies with meaningful Net-margin (%) only.
BNCL' s Net-margin (%) Range Over the Past 10 Years
Min: -5.13  Med: 9.79 Max: 15.51
Current: 13.45
-5.13
15.51
ROE (%) 2.12
BNCL's ROE (%) is ranked lower than
87% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. BNCL: 2.12 )
Ranked among companies with meaningful ROE (%) only.
BNCL' s ROE (%) Range Over the Past 10 Years
Min: -1.43  Med: 2.45 Max: 4.16
Current: 2.12
-1.43
4.16
ROA (%) 0.44
BNCL's ROA (%) is ranked lower than
75% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. BNCL: 0.44 )
Ranked among companies with meaningful ROA (%) only.
BNCL' s ROA (%) Range Over the Past 10 Years
Min: -0.19  Med: 0.35 Max: 0.5
Current: 0.44
-0.19
0.5
Revenue Growth (3Y)(%) -4.90
BNCL's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. BNCL: -4.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BNCL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.5 Max: 11.9
Current: -4.9
0
11.9
EBITDA Growth (3Y)(%) 15.90
BNCL's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. BNCL: 15.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BNCL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -3.2 Max: 18
Current: 15.9
0
18
EPS Growth (3Y)(%) 17.20
BNCL's EPS Growth (3Y)(%) is ranked higher than
74% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. BNCL: 17.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BNCL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -5.35 Max: 58.7
Current: 17.2
0
58.7
» BNCL's 10-Y Financials

Financials (Next Earnings Date: 2017-02-03)


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

» Details

Guru Trades

Q4 2015

BNCL Guru Trades in Q4 2015

Paul Tudor Jones 38,743 sh (+3.88%)
Michael Price 175,000 sh (unchged)
Chuck Royce 472,740 sh (unchged)
Jim Simons 2,786,870 sh (-1.82%)
Keeley Asset Management Corp 17,230 sh (-36.72%)
» More
Q1 2016

BNCL Guru Trades in Q1 2016

Paul Tudor Jones 49,669 sh (+28.20%)
Jim Simons 3,414,170 sh (+22.51%)
Keeley Asset Management Corp Sold Out
Michael Price Sold Out
Chuck Royce 407,740 sh (-13.75%)
» More
Q2 2016

BNCL Guru Trades in Q2 2016

Paul Tudor Jones 74,469 sh (+49.93%)
Jim Simons 3,375,970 sh (-1.12%)
Chuck Royce 377,740 sh (-7.36%)
» More
Q3 2016

BNCL Guru Trades in Q3 2016

Jim Simons 3,352,970 sh (-0.68%)
Paul Tudor Jones 71,144 sh (-4.46%)
Chuck Royce 347,740 sh (-7.94%)
» More
» Details

Insider Trades

Latest Guru Trades with BNCL

(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 » Banks - Regional - US
Compare:AMEX:TMP, NAS:BANF, NAS:WSFS, NAS:BPFH, NAS:FRME, NAS:STBA, NYSE:FBP, NAS:UBSH, NAS:HTLF, NYSE:FCF, NAS:IBTX, NAS:LKFN, NAS:SFNC, NAS:BRKL, NAS:BUSE, NAS:CSFL, NAS:ABCB, NAS:CFNL, NAS:CBF, NAS:WABC » details
Beneficial Bancorp Inc ffers consumer and commercial banking services to individuals, businesses, & nonprofit organizations throughout the Philadelphia & Southern New Jersey area.

Beneficial Bancorp Inc was incorporated in Maryland 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 currently operates banking offices in Chester, Delaware, Montgomery, Philadelphia and Bucks Counties, Pennsylvania and in Burlington, Gloucester, and Camden Counties, New Jersey. It also operates one lending office in Montgomery County, Pennsylvania. It offers a variety of consumer and commercial banking services to individuals, businesses, and nonprofit organizations through 60 offices throughout the Philadelphia and Southern New Jersey area. It serves the financial needs of its depositors and the local community since its founding and are a community-minded, customer service-focused institution. It offers traditional financial services to consumers and businesses in its market areas. It attracts deposits from the general public and use 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. 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. The Bank is subject to various regulatory capital requirements administered by state and federal banking agencies.

Ratios

vs
industry
vs
history
P/E(ttm) 56.45
BNCL's P/E(ttm) is ranked lower than
96% of the 2008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. BNCL: 56.45 )
Ranked among companies with meaningful P/E(ttm) only.
BNCL' s P/E(ttm) Range Over the Past 10 Years
Min: 26.88  Med: 53.92 Max: 288.5
Current: 56.45
26.88
288.5
Forward P/E 33.44
BNCL's Forward P/E is ranked lower than
98% of the 561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.92 vs. BNCL: 33.44 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 56.45
BNCL's PE(NRI) is ranked lower than
96% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. BNCL: 56.45 )
Ranked among companies with meaningful PE(NRI) only.
BNCL' s PE(NRI) Range Over the Past 10 Years
Min: 26.88  Med: 53.92 Max: 288.5
Current: 56.45
26.88
288.5
Price/Owner Earnings (ttm) 52.24
BNCL's Price/Owner Earnings (ttm) is ranked lower than
93% of the 909 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.74 vs. BNCL: 52.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BNCL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.26  Med: 44.69 Max: 1353.33
Current: 52.24
7.26
1353.33
P/B 1.30
BNCL's P/B is ranked lower than
61% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BNCL: 1.30 )
Ranked among companies with meaningful P/B only.
BNCL' s P/B Range Over the Past 10 Years
Min: 0.83  Med: 1.19 Max: 1.72
Current: 1.3
0.83
1.72
P/S 7.77
BNCL's P/S is ranked lower than
91% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. BNCL: 7.77 )
Ranked among companies with meaningful P/S only.
BNCL' s P/S Range Over the Past 10 Years
Min: 3.31  Med: 5.34 Max: 8.23
Current: 7.77
3.31
8.23
PFCF 28.93
BNCL's PFCF is ranked lower than
87% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.99 vs. BNCL: 28.93 )
Ranked among companies with meaningful PFCF only.
BNCL' s PFCF Range Over the Past 10 Years
Min: 4.34  Med: 21.99 Max: 1101.82
Current: 28.93
4.34
1101.82
POCF 27.01
BNCL's POCF is ranked lower than
90% of the 1130 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.66 vs. BNCL: 27.01 )
Ranked among companies with meaningful POCF only.
BNCL' s POCF Range Over the Past 10 Years
Min: 4.25  Med: 17.23 Max: 575
Current: 27.01
4.25
575
EV-to-EBIT 44.97
BNCL's EV-to-EBIT is ranked lower than
93% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.02 vs. BNCL: 44.97 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCL' s EV-to-EBIT Range Over the Past 10 Years
Min: -716.5  Med: 39 Max: 4385.8
Current: 44.97
-716.5
4385.8
EV-to-EBITDA 36.15
BNCL's EV-to-EBITDA is ranked lower than
92% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.08 vs. BNCL: 36.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
BNCL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -97.5  Med: 28.6 Max: 572.7
Current: 36.15
-97.5
572.7
Shiller P/E 99.87
BNCL's Shiller P/E is ranked lower than
96% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.87 vs. BNCL: 99.87 )
Ranked among companies with meaningful Shiller P/E only.
BNCL' s Shiller P/E Range Over the Past 10 Years
Min: 73.71  Med: 80.18 Max: 98.61
Current: 99.87
73.71
98.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.68
BNCL's Dividend Yield is ranked lower than
93% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. BNCL: 0.68 )
Ranked among companies with meaningful Dividend Yield only.
BNCL' s Dividend Yield Range Over the Past 10 Years
Min: 0.34  Med: 0.41 Max: 0.41
Current: 0.68
0.34
0.41
Dividend Payout 0.20
BNCL's Dividend Payout is ranked higher than
75% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BNCL: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
BNCL' s Dividend Payout Range Over the Past 10 Years
Min: 0.43  Med: 0.43 Max: 0.43
Current: 0.2
Forward Dividend Yield 1.35
BNCL's Forward Dividend Yield is ranked lower than
84% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. BNCL: 1.35 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.68
BNCL's Yield on cost (5-Year) is ranked lower than
94% of the 2628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. BNCL: 0.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BNCL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.35  Med: 0.41 Max: 0.7
Current: 0.68
0.35
0.7
3-Year Average Share Buyback Ratio -1.50
BNCL's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1057 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BNCL: -1.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BNCL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -21.6  Med: 0.8 Max: 0
Current: -1.5
-21.6
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
BNCL's Price/Tangible Book is ranked lower than
66% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BNCL: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
BNCL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.97  Med: 1.5 Max: 2.21
Current: 1.57
0.97
2.21
Price/Projected FCF 0.84
BNCL's Price/Projected FCF is ranked lower than
56% of the 1125 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. BNCL: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
BNCL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.67  Med: 0.88 Max: 1.43
Current: 0.84
0.67
1.43
Price/Median PS Value 1.45
BNCL's Price/Median PS Value is ranked lower than
81% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BNCL: 1.45 )
Ranked among companies with meaningful Price/Median PS Value only.
BNCL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.64  Med: 1.03 Max: 1.51
Current: 1.45
0.64
1.51
Price/Peter Lynch Fair Value 3.18
BNCL's Price/Peter Lynch Fair Value is ranked lower than
95% of the 511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCL: 3.18 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BNCL' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 2.67  Med: 2.67 Max: 2.67
Current: 3.18
Price/Graham Number 1.99
BNCL's Price/Graham Number is ranked lower than
94% of the 1743 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BNCL: 1.99 )
Ranked among companies with meaningful Price/Graham Number only.
BNCL' s Price/Graham Number Range Over the Past 10 Years
Min: 1.37  Med: 1.95 Max: 4.34
Current: 1.99
1.37
4.34
Earnings Yield (Greenblatt) (%) 2.20
BNCL's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. BNCL: 2.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BNCL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 2.3 Max: 4.5
Current: 2.2
0.6
4.5
Forward Rate of Return (Yacktman) (%) 21.12
BNCL's Forward Rate of Return (Yacktman) (%) is ranked higher than
72% of the 879 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.55 vs. BNCL: 21.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BNCL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.6 Max: 21.8
Current: 21.12
0.1
21.8

More Statistics

Revenue (TTM) (Mil) $168.0
EPS (TTM) $ 0.31
Beta0.77
Short Percentage of Float2.09%
52-Week Range $12.30 - 17.80
Shares Outstanding (Mil)75.91

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.44 0.53 0.60
EPS w/o NRI ($) 0.44 0.53 0.60
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for BNCL

Headlines

Articles On GuruFocus.com
null Reports Operating Results (10-Q) Nov 05 2010 
August 31, 2010 52-Week Low Wrap-Up: BAC, BBT, BNCL, COWN, DM, DVR, HBHC, HCBK, KCG, NWPX, TM,TRC Sep 01 2010 
August 19, 2010 52-Week Low Wrap-Up: Bank of America, BB&T, Beneficial Mutual Bancorp, Hancock Holdi Aug 19 2010 
August 18, 2010 52-Week Low Wrap-Up: Beneficial Mutual, Century Casinos, Hudson Valley Holdings, Ran Aug 18 2010 
null Reports Operating Results (10-Q) Aug 06 2010 
null Reports Operating Results (10-Q) May 07 2010 
null Reports Operating Results (10-Q) Nov 06 2009 
null Reports Operating Results (10-Q) Aug 10 2009 
null Reports Operating Results (10-Q) May 11 2009 

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