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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 1.45
BNCL's Cash to Debt is ranked higher than
74% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. BNCL: 1.45 )
BNCL' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.45

Equity to Asset 0.14
BNCL's Equity to Asset is ranked higher than
91% of the 1649 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
55% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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: 0.28
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
53% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. BNCL: 10.19 )
BNCL' s 10-Year Operating margin (%) Range
Min: -432.41   Max: 23.41
Current: 10.19

-432.41
23.41
Net-margin (%) 8.45
BNCL's Net-margin (%) is ranked higher than
54% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. BNCL: 8.45 )
BNCL' s 10-Year Net-margin (%) Range
Min: -5.13   Max: 156.99
Current: 8.45

-5.13
156.99
ROE (%) 2.04
BNCL's ROE (%) is ranked higher than
52% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 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
55% of the 1616 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
56% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 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 1443 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

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
Q1 2014

BNCL Guru Trades in Q1 2014

Jim Simons 101,906 sh (+42.33%)
» 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 $ 13.447%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) 83.40
BNCL's P/E(ttm) is ranked higher than
54% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. BNCL: 83.40 )
BNCL' s 10-Year P/E(ttm) Range
Min: 14.84   Max: 250.87
Current: 83.4

14.84
250.87
P/B 1.70
BNCL's P/B is ranked higher than
60% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BNCL: 1.70 )
BNCL' s 10-Year P/B Range
Min: 0.93   Max: 1.72
Current: 1.7

0.93
1.72
P/S 6.90
BNCL's P/S is ranked higher than
50% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. BNCL: 6.90 )
BNCL' s 10-Year P/S Range
Min: 3.17   Max: 7.15
Current: 6.9

3.17
7.15
PFCF 21.80
BNCL's PFCF is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. BNCL: 21.80 )
BNCL' s 10-Year PFCF Range
Min: 4.34   Max: 404
Current: 21.8

4.34
404
EV-to-EBIT 64.57
BNCL's EV-to-EBIT is ranked higher than
57% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. BNCL: 64.57 )
BNCL' s 10-Year EV-to-EBIT Range
Min: 29   Max: 4385.8
Current: 64.57

29
4385.8
Shiller P/E 96.40
BNCL's Shiller P/E is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. BNCL: 96.40 )
BNCL' s 10-Year Shiller P/E Range
Min: 30.21   Max: 98.57
Current: 96.4

30.21
98.57

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
BNCL's Price/Tangible Book is ranked higher than
58% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. BNCL: 2.10 )
BNCL' s 10-Year Price/Tangible Book Range
Min: 1.19   Max: 2.21
Current: 2.1

1.19
2.21
Price/DCF (Projected) 1.10
BNCL's Price/DCF (Projected) is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BNCL: 1.10 )
BNCL' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 1.11
Current: 1.1

0.74
1.11
Price/Median PS Value 1.50
BNCL's Price/Median PS Value is ranked higher than
56% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BNCL: 1.50 )
BNCL' s 10-Year Price/Median PS Value Range
Min: 0.73   Max: 1.49
Current: 1.5

0.73
1.49
Price/Graham Number 2.90
BNCL's Price/Graham Number is ranked higher than
56% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. BNCL: 2.90 )
BNCL' s 10-Year Price/Graham Number Range
Min: 1.47   Max: 6.2
Current: 2.9

1.47
6.2
Earnings Yield (Greenblatt) 1.50
BNCL's Earnings Yield (Greenblatt) is ranked lower than
54% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BNCL: 1.50 )
BNCL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 3.5
Current: 1.5

0.6
3.5
Forward Rate of Return (Yacktman) 2.96
BNCL's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. BNCL: 2.96 )
BNCL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.3   Max: 5.5
Current: 2.96

1.3
5.5

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 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.
» 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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