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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.19
BNCL's Cash to Debt is ranked higher than
55% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BNCL: 0.19 )
BNCL' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.19

Equity to Asset 0.14
BNCL's Equity to Asset is ranked higher than
89% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BNCL: 0.14 )
BNCL' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.17
Current: 0.14

0.11
0.17
Interest Coverage 0.59
BNCL's Interest Coverage is ranked higher than
56% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 5
Z-Score: 0.35
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 (%) 15.17
BNCL's Operating margin (%) is ranked higher than
57% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. BNCL: 15.17 )
BNCL' s 10-Year Operating margin (%) Range
Min: -432.41   Max: 23.41
Current: 15.17

-432.41
23.41
Net-margin (%) 11.58
BNCL's Net-margin (%) is ranked higher than
57% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. BNCL: 11.58 )
BNCL' s 10-Year Net-margin (%) Range
Min: -5.13   Max: 156.99
Current: 11.58

-5.13
156.99
ROE (%) 2.69
BNCL's ROE (%) is ranked higher than
54% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. BNCL: 2.69 )
BNCL' s 10-Year ROE (%) Range
Min: -1.43   Max: 9.48
Current: 2.69

-1.43
9.48
ROA (%) 0.37
BNCL's ROA (%) is ranked higher than
58% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BNCL: 0.37 )
BNCL' s 10-Year ROA (%) Range
Min: -0.19   Max: 1.1
Current: 0.37

-0.19
1.1
ROC (Joel Greenblatt) (%) 29.19
BNCL's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. BNCL: 29.19 )
BNCL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -32.63   Max: 113.95
Current: 29.19

-32.63
113.95
Revenue Growth (%) -4.50
BNCL's Revenue Growth (%) is ranked higher than
62% of the 1727 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

Q4 2013

BNCL Guru Trades in Q4 2013

Jim Simons 71,600 sh (-12.36%)
» More
Q1 2014

BNCL Guru Trades in Q1 2014

Jim Simons 101,906 sh (+42.33%)
» More
Q2 2014

BNCL Guru Trades in Q2 2014

Jim Simons 172,726 sh (+69.5%)
» More
Q3 2014

BNCL Guru Trades in Q3 2014

Jim Simons 284,000 sh (+64.42%)
» 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%)

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 $ 13.7150%0
Whitney Tilson 2011-09-30 Sold Out 0.1155%$7.17 - $8.24 $ 13.7176%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 62.60
BNCL's P/E(ttm) is ranked higher than
64% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. BNCL: 62.60 )
BNCL' s 10-Year P/E(ttm) Range
Min: 26.88   Max: 250.87
Current: 62.6

26.88
250.87
P/B 1.68
BNCL's P/B is ranked higher than
66% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. BNCL: 1.68 )
BNCL' s 10-Year P/B Range
Min: 0.93   Max: 1.72
Current: 1.68

0.93
1.72
P/S 7.14
BNCL's P/S is ranked higher than
62% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. BNCL: 7.14 )
BNCL' s 10-Year P/S Range
Min: 2.61   Max: 7.34
Current: 7.14

2.61
7.34
PFCF 21.42
BNCL's PFCF is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BNCL: 21.42 )
BNCL' s 10-Year PFCF Range
Min: 4.34   Max: 34.8
Current: 21.42

4.34
34.8
EV-to-EBIT 56.99
BNCL's EV-to-EBIT is ranked higher than
60% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. BNCL: 56.99 )
BNCL' s 10-Year EV-to-EBIT Range
Min: -716.5   Max: 4385.8
Current: 56.99

-716.5
4385.8
Shiller P/E 102.43
BNCL's Shiller P/E is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BNCL: 102.43 )
BNCL' s 10-Year Shiller P/E Range
Min: 45.31   Max: 107.31
Current: 102.43

45.31
107.31

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.13
BNCL's Price/Tangible Book is ranked higher than
66% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. BNCL: 2.13 )
BNCL' s 10-Year Price/Tangible Book Range
Min: 1.19   Max: 2.21
Current: 2.13

1.19
2.21
Price/DCF (Projected) 1.10
BNCL's Price/DCF (Projected) is ranked higher than
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. BNCL: 1.10 )
BNCL' s 10-Year Price/DCF (Projected) Range
Min: 0.75   Max: 1.11
Current: 1.1

0.75
1.11
Price/Median PS Value 1.55
BNCL's Price/Median PS Value is ranked higher than
66% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. BNCL: 1.55 )
BNCL' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.56
Current: 1.55

0.6
1.56
Price/Graham Number 2.43
BNCL's Price/Graham Number is ranked higher than
65% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BNCL: 2.43 )
BNCL' s 10-Year Price/Graham Number Range
Min: 1.47   Max: 6.2
Current: 2.43

1.47
6.2
Earnings Yield (Greenblatt) 1.80
BNCL's Earnings Yield (Greenblatt) is ranked higher than
55% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BNCL: 1.80 )
BNCL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.5
Current: 1.8

0.6
3.5

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 currently operates 35 full-service banking offices in Chester, Delaware, Montgomery, Philadelphia and Bucks Counties, Pennsylvania and 25 full-service banking offices in Burlington, Gloucester, and Camden Counties, New Jersey. It also operates one lending office in Montgomery County, Pennsylvania. On July 13, 2007, the Bank completed its initial public offering. The Bank 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. The Bank 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. The Bank 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.
» More Articles for BNCL

Headlines

Articles On GuruFocus.com
null Reports Operating Results (10-Q) Nov 05 2010 
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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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