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8.52 (1y: -2%)
Market Cap 671.4 M P/E(ttm) 50.00
Enterprise Value 948.41 M P/B 1.10
BNCL- NAS (USA)
Beneficial Mutual Bancorp Inc
Not Rated
Top Ranked Predictable Companies
$8.52
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GuruFocus Financial Strength Rank measures how strong a companyย’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 1.957
BNCL's Cash to Debt is ranked higher than
79% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. BNCL: 1.957 )
BNCL' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.96
Equity to Asset 0.127
BNCL's Equity to Asset is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BNCL: 0.127 )
BNCL' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.17
Current: 0.13
0.12
0.17
Interest Coverage No Debt
BNCL's Interest Coverage is ranked higher than
73% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BNCL: No Debt )
BNCL' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 9.50
BNCL's Operating margin (%) is ranked higher than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. BNCL: 9.50 )
BNCL' s 10-Year Operating margin (%) Range
Min: -13.6   Max: 23.4
Current: 9.5
-13.6
23.4
Net-margin (%) 8.5
BNCL's Net-margin (%) is ranked higher than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. BNCL: 8.5 )
BNCL' s 10-Year Net-margin (%) Range
Min: -5.1   Max: 20.8
Current: 8.5
-5.1
20.8
ROE (%) 2.2
BNCL's ROE (%) is ranked higher than
56% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. BNCL: 2.2 )
BNCL' s 10-Year ROE (%) Range
Min: -1.5   Max: 6
Current: 2.2
-1.5
6
ROA (%) 0.3
BNCL's ROA (%) is ranked higher than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. BNCL: 0.3 )
BNCL' s 10-Year ROA (%) Range
Min: -0.2   Max: 0.7
Current: 0.3
-0.2
0.7
Revenue Growth (%) 2.3
BNCL's Revenue Growth (%) is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCL: 2.3 )
BNCL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 8.7
Current: 2.3
0
8.7
EBITDA Growth (%) -3.7
BNCL's EBITDA Growth (%) is ranked lower than
62% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCL: -3.7 )
BNCL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -3.7
Current: -3.7
EPS Growth (%) -4.9
BNCL's EPS Growth (%) is ranked lower than
63% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCL: -4.9 )
BNCL' s 10-Year EPS Growth (%) Range
Min: 0   Max: 41.4
Current: -4.9
0
41.4
ยป BNCL's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

BNCL Guru Trades in Q2 2012

Jim Simons 62,400 sh (+81.92%)
John Keeley 600,205 sh (-8.45%)
» More
Q3 2012

BNCL Guru Trades in Q3 2012

Jim Simons 71,600 sh (+14.74%)
John Keeley 558,545 sh (-6.94%)
» More
Q4 2012

BNCL Guru Trades in Q4 2012

Jim Simons 80,400 sh (+12.29%)
John Keeley 535,650 sh (-4.1%)
» More
Q1 2013

BNCL Guru Trades in Q1 2013

Jim Simons 140,481 sh (+74.73%)
John Keeley 537,790 sh (+0.4%)
» 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 2010-12-31 Reduce -39.06%0.09%$7.23 - $9.19 $ 8.524%956070
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 50.00
BNCL's P/E(ttm) is ranked lower than
66% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. BNCL: 50.00 )
BNCL' s 10-Year P/E(ttm) Range
Min: 26.88   Max: 288.5
Current: 50
26.88
288.5
P/B 1.10
BNCL's P/B is ranked higher than
58% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. BNCL: 1.10 )
BNCL' s 10-Year P/B Range
Min: 0.58   Max: 1.63
Current: 1.1
0.58
1.63
P/S 4.00
BNCL's P/S is ranked lower than
58% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. BNCL: 4.00 )
BNCL' s 10-Year P/S Range
Min: 3.31   Max: 6.46
Current: 4
3.31
6.46
PFCF 26.70
BNCL's PFCF is ranked lower than
66% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. BNCL: 26.70 )
BNCL' s 10-Year PFCF Range
Min: 3.84   Max: 575
Current: 26.7
3.84
575
EV-to-EBIT 62.5
BNCL's EV-to-EBIT is ranked lower than
66% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. BNCL: 62.5 )
BNCL' s 10-Year EV-to-EBIT Range
Min: 29   Max: 4385.8
Current: 62.5
29
4385.8
Shiller P/E 74.7
BNCL's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. BNCL: 74.7 )
BNCL' s 10-Year Shiller P/E Range
Min: 74.6   Max: 93.64
Current: 74.7
74.6
93.64

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.3
BNCL's Price/Tangible Book is ranked higher than
52% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCL: 1.3 )
BNCL' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 1.9
Current: 1.3
1.2
1.9
Price/DCF (Projected) 0.8
BNCL's Price/DCF (Projected) is ranked higher than
50% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BNCL: 0.8 )
BNCL' s 10-Year Price/DCF (Projected) Range
Min: 0.8   Max: 0.8
Current: 0.8
Price/Median PS Value 0.9
BNCL's Price/Median PS Value is ranked higher than
67% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BNCL: 0.9 )
BNCL' s 10-Year Price/Median PS Value Range
Min: 0.9   Max: 1.4
Current: 0.9
0.9
1.4
Price/Graham Number 1.6
BNCL's Price/Graham Number is ranked lower than
67% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BNCL: 1.6 )
BNCL' s 10-Year Price/Graham Number Range
Min: 1.7   Max: 2.1
Current: 1.6
1.7
2.1
Earnings Yield (Greenblatt) 1.60
BNCL's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. BNCL: 1.60 )
BNCL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.5
Current: 1.6
0.6
3.5
Forward Rate of Return (Yacktman) 4.8
BNCL's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCL: 4.8 )
BNCL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.3   Max: 5.8
Current: 4.8
4.3
5.8

Business Description

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 35 full-service banking offices in Chester, Delaware, Montgomery, Philadelphia and Bucks Counties, Pennsylvania and 25 full-service banking offices in Burlington and Camden Counties, New Jersey. It also maintains an investment portfolio. The company offers a variety of loans. Historically, it has had a substantial portion of its loan portfolio concentrated in consumer loans, which have mainly consisted of automobile loans and leases, educational loans and home equity loans and lines of credit. 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 25 years and payments based on an amortization schedule of up to 25 years. The company's main market consists of Chester, Delaware, Montgomery, Philadelphia and Bucks Counties, Pennsylvania and Burlington, Camden, and Gloucester Counties, New Jersey.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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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