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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 0.22
BNCL's Cash to Debt is ranked lower than
82% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. BNCL: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
BNCL' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.22

Equity to Asset 0.23
BNCL's Equity to Asset is ranked higher than
92% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCL: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
BNCL' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.23
Current: 0.23

0.11
0.23
Interest Coverage 1.09
BNCL's Interest Coverage is ranked lower than
62% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. BNCL: 1.09 )
Ranked among companies with meaningful Interest Coverage only.
BNCL' s 10-Year Interest Coverage Range
Min: 0.22   Max: 1.09
Current: 1.09

0.22
1.09
F-Score: 7
Z-Score: 0.33
WACC vs ROIC
6.11%
2.78%
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 (%) 20.03
BNCL's Operating margin (%) is ranked lower than
72% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. BNCL: 20.03 )
Ranked among companies with meaningful Operating margin (%) only.
BNCL' s 10-Year Operating margin (%) Range
Min: -432.41   Max: 23.41
Current: 20.03

-432.41
23.41
Net-margin (%) 14.57
BNCL's Net-margin (%) is ranked lower than
72% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. BNCL: 14.57 )
Ranked among companies with meaningful Net-margin (%) only.
BNCL' s 10-Year Net-margin (%) Range
Min: -5.13   Max: 156.99
Current: 14.57

-5.13
156.99
ROE (%) 2.94
BNCL's ROE (%) is ranked lower than
83% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. BNCL: 2.94 )
Ranked among companies with meaningful ROE (%) only.
BNCL' s 10-Year ROE (%) Range
Min: -1.43   Max: 4.92
Current: 2.94

-1.43
4.92
ROA (%) 0.46
BNCL's ROA (%) is ranked lower than
72% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. BNCL: 0.46 )
Ranked among companies with meaningful ROA (%) only.
BNCL' s 10-Year ROA (%) Range
Min: -0.19   Max: 0.57
Current: 0.46

-0.19
0.57
ROC (Joel Greenblatt) (%) 36.36
BNCL's ROC (Joel Greenblatt) (%) is ranked lower than
70% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. BNCL: 36.36 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BNCL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -32.63   Max: 113.95
Current: 36.36

-32.63
113.95
Revenue Growth (3Y)(%) -4.00
BNCL's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BNCL: -4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BNCL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 11.8
Current: -4

0
11.8
EBITDA Growth (3Y)(%) 18.80
BNCL's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BNCL: 18.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BNCL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 18.8
Current: 18.8

0
18.8
EPS Growth (3Y)(%) 19.70
BNCL's EPS Growth (3Y)(%) is ranked higher than
72% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. BNCL: 19.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BNCL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 58.7
Current: 19.7

0
58.7
» BNCL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

BNCL Guru Trades in Q2 2014

Jim Simons 172,726 sh (+69.50%)
» More
Q3 2014

BNCL Guru Trades in Q3 2014

Jim Simons 284,000 sh (+64.42%)
» More
Q4 2014

BNCL Guru Trades in Q4 2014

Jim Simons 441,988 sh (+55.63%)
» More
Q1 2015

BNCL Guru Trades in Q1 2015

John Keeley 27,230 sh (New)
Chuck Royce 235,000 sh (New)
Michael Price 175,000 sh (New)
Paul Tudor Jones 18,625 sh (New)
Jim Simons 2,789,870 sh (+531.21%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 43.70
BNCL's P/E(ttm) is ranked lower than
94% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. BNCL: 43.70 )
Ranked among companies with meaningful P/E(ttm) only.
BNCL' s 10-Year P/E(ttm) Range
Min: 26.88   Max: 250.87
Current: 43.7

26.88
250.87
Forward P/E 49.02
BNCL's Forward P/E is ranked lower than
97% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. BNCL: 49.02 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 42.60
BNCL's PE(NRI) is ranked lower than
93% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. BNCL: 42.60 )
Ranked among companies with meaningful PE(NRI) only.
BNCL' s 10-Year PE(NRI) Range
Min: 26.88   Max: 250.87
Current: 42.6

26.88
250.87
P/B 0.90
BNCL's P/B is ranked higher than
68% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BNCL: 0.90 )
Ranked among companies with meaningful P/B only.
BNCL' s 10-Year P/B Range
Min: 0.83   Max: 1.72
Current: 0.9

0.83
1.72
P/S 6.27
BNCL's P/S is ranked lower than
92% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. BNCL: 6.27 )
Ranked among companies with meaningful P/S only.
BNCL' s 10-Year P/S Range
Min: 2.61   Max: 7.5
Current: 6.27

2.61
7.5
PFCF 17.30
BNCL's PFCF is ranked lower than
71% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. BNCL: 17.30 )
Ranked among companies with meaningful PFCF only.
BNCL' s 10-Year PFCF Range
Min: 4.34   Max: 34.8
Current: 17.3

4.34
34.8
POCF 14.39
BNCL's POCF is ranked lower than
73% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. BNCL: 14.39 )
Ranked among companies with meaningful POCF only.
BNCL' s 10-Year POCF Range
Min: 4.26   Max: 575
Current: 14.39

4.26
575
EV-to-EBIT 39.69
BNCL's EV-to-EBIT is ranked lower than
88% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. BNCL: 39.69 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCL' s 10-Year EV-to-EBIT Range
Min: -716.5   Max: 4385.8
Current: 39.69

-716.5
4385.8
Shiller P/E 81.50
BNCL's Shiller P/E is ranked lower than
96% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. BNCL: 81.50 )
Ranked among companies with meaningful Shiller P/E only.
BNCL' s 10-Year Shiller P/E Range
Min: 48.33   Max: 107.31
Current: 81.5

48.33
107.31
Days Sales Outstanding 35.11
BNCL's Days Sales Outstanding is ranked higher than
50% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. BNCL: 35.11 )
Ranked among companies with meaningful Days Sales Outstanding only.
BNCL' s 10-Year Days Sales Outstanding Range
Min: 33.6   Max: 66.91
Current: 35.11

33.6
66.91

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
BNCL's Price/Tangible Book is ranked higher than
67% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BNCL: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
BNCL' s 10-Year Price/Tangible Book Range
Min: 1.19   Max: 2.21
Current: 1

1.19
2.21
Price/DCF (Projected) 0.70
BNCL's Price/DCF (Projected) is ranked higher than
50% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. BNCL: 0.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
BNCL' s 10-Year Price/DCF (Projected) Range
Min: 0.68   Max: 1.22
Current: 0.7

0.68
1.22
Price/Median PS Value 1.40
BNCL's Price/Median PS Value is ranked lower than
76% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCL: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
BNCL' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 1.55
Current: 1.4

0.59
1.55
Price/Graham Number 1.50
BNCL's Price/Graham Number is ranked lower than
87% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BNCL: 1.50 )
Ranked among companies with meaningful Price/Graham Number only.
BNCL' s 10-Year Price/Graham Number Range
Min: 1.39   Max: 6.2
Current: 1.5

1.39
6.2
Earnings Yield (Greenblatt) 2.50
BNCL's Earnings Yield (Greenblatt) is ranked lower than
79% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BNCL: 2.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
BNCL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.5
Current: 2.5

0.6
3.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Beneficial 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 
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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