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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 0.78
NAS:BNCL's Cash-to-Debt is ranked lower than
68% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NAS:BNCL: 0.78 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:BNCL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.31 Max: No Debt
Current: 0.78
Equity-to-Asset 0.18
NAS:BNCL's Equity-to-Asset is ranked higher than
91% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:BNCL: 0.18 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS: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 1.76
NAS:BNCL's Interest Coverage is ranked higher than
51% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. NAS:BNCL: 1.76 )
Ranked among companies with meaningful Interest Coverage only.
NAS:BNCL' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 0.55 Max: 1.76
Current: 1.76
0.24
1.76
Beneish M-Score: -2.80
WACC vs ROIC
6.93%
2.38%
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 % 23.14
NAS:BNCL's Operating Margin % is ranked lower than
70% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. NAS:BNCL: 23.14 )
Ranked among companies with meaningful Operating Margin % only.
NAS:BNCL' s Operating Margin % Range Over the Past 10 Years
Min: -13.59  Med: 11.14 Max: 23.14
Current: 23.14
-13.59
23.14
Net Margin % 15.24
NAS:BNCL's Net Margin % is ranked lower than
74% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. NAS:BNCL: 15.24 )
Ranked among companies with meaningful Net Margin % only.
NAS:BNCL' s Net Margin % Range Over the Past 10 Years
Min: -5.13  Med: 9.79 Max: 15.42
Current: 15.24
-5.13
15.42
ROE % 2.69
NAS:BNCL's ROE % is ranked lower than
86% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. NAS:BNCL: 2.69 )
Ranked among companies with meaningful ROE % only.
NAS:BNCL' s ROE % Range Over the Past 10 Years
Min: -1.43  Med: 2.28 Max: 2.94
Current: 2.69
-1.43
2.94
ROA % 0.52
NAS:BNCL's ROA % is ranked lower than
74% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NAS:BNCL: 0.52 )
Ranked among companies with meaningful ROA % only.
NAS:BNCL' s ROA % Range Over the Past 10 Years
Min: -0.19  Med: 0.35 Max: 0.52
Current: 0.52
-0.19
0.52
3-Year Revenue Growth Rate 11.40
NAS:BNCL's 3-Year Revenue Growth Rate is ranked higher than
79% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NAS:BNCL: 11.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:BNCL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.3 Max: 11.9
Current: 11.4
0
11.9
3-Year EBITDA Growth Rate 33.30
NAS:BNCL's 3-Year EBITDA Growth Rate is ranked higher than
91% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NAS:BNCL: 33.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:BNCL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -2.8 Max: 33.3
Current: 33.3
0
33.3
3-Year EPS without NRI Growth Rate 31.40
NAS:BNCL's 3-Year EPS without NRI Growth Rate is ranked higher than
88% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:BNCL: 31.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:BNCL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.2 Max: 58.7
Current: 31.4
0
58.7
GuruFocus has detected 2 Warning Signs with Beneficial Bancorp Inc $NAS:BNCL.
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» NAS:BNCL's 30-Y Financials

Financials (Next Earnings Date: 2017-07-22 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NAS:LKFN, NAS:BUSE, NAS:BRKL, AMEX:TMP, NYSE:BANC, NYSE:FBP, NYSE:FCF, NAS:HTLF, NAS:SRCE, NAS:SBCF, NAS:STBA, NAS:CHCO, NAS:STBZ, NAS:CFNL, OTCPK:FMBL, NAS:SBSI, NAS:BPFH, NYSE:CPF, NAS:SASR, NAS:EFSC » details
Headquarter Location:USA
Beneficial Bancorp Inc offers consumer and commercial banking services to individuals, businesses and nonprofit organizations throughout the Philadelphia and 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 63 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
PE Ratio 38.94
BNCL's PE Ratio is ranked lower than
92% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. BNCL: 38.94 )
Ranked among companies with meaningful PE Ratio only.
BNCL' s PE Ratio Range Over the Past 10 Years
Min: 26.88  Med: 52.8 Max: 288.5
Current: 38.94
26.88
288.5
Forward PE Ratio 33.67
BNCL's Forward PE Ratio is ranked lower than
97% of the 384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.67 vs. BNCL: 33.67 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 38.94
BNCL's PE Ratio without NRI is ranked lower than
92% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. BNCL: 38.94 )
Ranked among companies with meaningful PE Ratio without NRI only.
BNCL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 26.88  Med: 52.8 Max: 288.5
Current: 38.94
26.88
288.5
Price-to-Owner-Earnings 31.49
BNCL's Price-to-Owner-Earnings is ranked lower than
89% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. BNCL: 31.49 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BNCL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.2  Med: 43.36 Max: 1740
Current: 31.49
7.2
1740
PB Ratio 1.09
BNCL's PB Ratio is ranked higher than
57% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BNCL: 1.09 )
Ranked among companies with meaningful PB Ratio only.
BNCL' s PB Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.19 Max: 1.72
Current: 1.09
0.83
1.72
PS Ratio 5.57
BNCL's PS Ratio is ranked lower than
82% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. BNCL: 5.57 )
Ranked among companies with meaningful PS Ratio only.
BNCL' s PS Ratio Range Over the Past 10 Years
Min: 3.3  Med: 5.67 Max: 9.55
Current: 5.57
3.3
9.55
Price-to-Free-Cash-Flow 14.74
BNCL's Price-to-Free-Cash-Flow is ranked lower than
63% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. BNCL: 14.74 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BNCL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.33  Med: 21.89 Max: 96.96
Current: 14.74
4.33
96.96
Price-to-Operating-Cash-Flow 14.18
BNCL's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. BNCL: 14.18 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BNCL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.24  Med: 17.98 Max: 575
Current: 14.18
4.24
575
EV-to-EBIT 28.68
BNCL's EV-to-EBIT is ranked lower than
84% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. BNCL: 28.68 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCL' s EV-to-EBIT Range Over the Past 10 Years
Min: -716.5  Med: 37.9 Max: 4385.8
Current: 28.68
-716.5
4385.8
EV-to-EBITDA 23.86
BNCL's EV-to-EBITDA is ranked lower than
83% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. BNCL: 23.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
BNCL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -121  Med: 28.45 Max: 572.7
Current: 23.86
-121
572.7
PEG Ratio 1.81
BNCL's PEG Ratio is ranked lower than
60% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. BNCL: 1.81 )
Ranked among companies with meaningful PEG Ratio only.
BNCL' s PEG Ratio Range Over the Past 10 Years
Min: 1.81  Med: 2.69 Max: 3.15
Current: 1.81
1.81
3.15
Shiller PE Ratio 81.53
BNCL's Shiller PE Ratio is ranked lower than
95% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. BNCL: 81.53 )
Ranked among companies with meaningful Shiller PE Ratio only.
BNCL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 74.29  Med: 93.75 Max: 111.76
Current: 81.53
74.29
111.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.62
BNCL's Dividend Yield % is ranked lower than
74% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. BNCL: 1.62 )
Ranked among companies with meaningful Dividend Yield % only.
BNCL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.35  Med: 0.69 Max: 1.63
Current: 1.62
0.35
1.63
Dividend Payout Ratio 0.47
BNCL's Dividend Payout Ratio is ranked lower than
72% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. BNCL: 0.47 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BNCL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.35  Med: 0.35 Max: 0.47
Current: 0.47
0.35
0.47
Forward Dividend Yield % 1.63
BNCL's Forward Dividend Yield % is ranked lower than
79% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. BNCL: 1.63 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.62
BNCL's 5-Year Yield-on-Cost % is ranked lower than
81% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. BNCL: 1.62 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BNCL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.35  Med: 0.69 Max: 1.63
Current: 1.62
0.35
1.63
3-Year Average Share Buyback Ratio 0.50
BNCL's 3-Year Average Share Buyback Ratio is ranked higher than
83% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. BNCL: 0.50 )
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: 0.7 Max: 0
Current: 0.5
-21.6
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.32
BNCL's Price-to-Tangible-Book is ranked lower than
52% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. BNCL: 1.32 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BNCL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.97  Med: 1.5 Max: 2.21
Current: 1.32
0.97
2.21
Price-to-Intrinsic-Value-Projected-FCF 0.75
BNCL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. BNCL: 0.75 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BNCL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.67  Med: 0.88 Max: 1.43
Current: 0.75
0.67
1.43
Price-to-Median-PS-Value 0.98
BNCL's Price-to-Median-PS-Value is ranked higher than
71% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BNCL: 0.98 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BNCL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.6  Med: 1.06 Max: 1.65
Current: 0.98
0.6
1.65
Price-to-Peter-Lynch-Fair-Value 2.05
BNCL's Price-to-Peter-Lynch-Fair-Value is ranked lower than
74% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BNCL: 2.05 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
BNCL' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 2.04  Med: 2.68 Max: 3
Current: 2.05
2.04
3
Price-to-Graham-Number 1.51
BNCL's Price-to-Graham-Number is ranked lower than
85% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. BNCL: 1.51 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BNCL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.37  Med: 1.95 Max: 4.34
Current: 1.51
1.37
4.34
Earnings Yield (Greenblatt) % 3.49
BNCL's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. BNCL: 3.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BNCL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -8.3  Med: 2.1 Max: 4.5
Current: 3.49
-8.3
4.5
Forward Rate of Return (Yacktman) % 23.20
BNCL's Forward Rate of Return (Yacktman) % is ranked higher than
75% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. BNCL: 23.20 )
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: 4.7 Max: 23.2
Current: 23.2
0.1
23.2

More Statistics

Revenue (TTM) (Mil) $188.98
EPS (TTM) $ 0.38
Beta0.92
Short Percentage of Float2.84%
52-Week Range $12.34 - 19.00
Shares Outstanding (Mil)76.55

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.44 0.60
EPS without NRI ($) 0.44 0.60
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for BNCL

Headlines

Articles On GuruFocus.com
John Melcher Joins Beneficial Bank as Senior Vice President, Director of Human Resources Jun 13 2017 
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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