Bryn Mawr Bank Corporation (BMTC) Fundamental Analysis & Valuation

NASDAQ:BMTC

Current stock price

45.01
-0.72 (-1.57%)
At close:
45.01
0 (0%)
After Hours:

This BMTC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. BMTC Profitability Analysis

1.1 Basic Checks

  • In the past year BMTC was profitable.
BMTC Yearly Net Income VS EBIT VS OCF VS FCFBMTC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 20M 40M 60M 80M

1.2 Ratios

Industry RankSector Rank
ROA 1.48%
ROE 11.03%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BMTC Yearly ROA, ROE, ROICBMTC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2 4 6 8 10

1.3 Margins

  • The Operating Margin and Gross Margin are not available for BMTC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BMTC Yearly Profit, Operating, Gross MarginsBMTC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 5 10 15 20 25

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1

2. BMTC Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, BMTC has less shares outstanding
  • Compared to 1 year ago, BMTC has a worse debt to assets ratio.
BMTC Yearly Shares OutstandingBMTC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 5M 10M 15M 20M
BMTC Yearly Total Debt VS Total AssetsBMTC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 1B 2B 3B 4B 5B

2.2 Solvency

  • A Debt/Equity ratio of 0.18 indicates that BMTC is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BMTC Yearly LT Debt VS Equity VS FCFBMTC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. BMTC Growth Analysis

3.1 Past

  • BMTC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 119.05%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 0.12% on average over the past years.
  • BMTC shows a decrease in Revenue. In the last year, the revenue decreased by -1.15%.
  • Measured over the past years, BMTC shows a small growth in Revenue. The Revenue has been growing by 7.69% on average per year.
EPS 1Y (TTM)119.05%
EPS 3Y-12.16%
EPS 5Y0.12%
EPS Q2Q%36.36%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y9.03%
Revenue growth 5Y7.69%
Sales Q2Q%2.39%

3.2 Future

  • Based on estimates for the next years, BMTC will show a very strong growth in Earnings Per Share. The EPS will grow by 49.89% on average per year.
  • BMTC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.42% yearly.
EPS Next Y121.35%
EPS Next 2Y37.5%
EPS Next 3Y45.16%
EPS Next 5Y49.89%
Revenue Next Year-2.52%
Revenue Next 2Y0.06%
Revenue Next 3Y-0.59%
Revenue Next 5Y-0.42%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BMTC Yearly Revenue VS EstimatesBMTC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
BMTC Yearly EPS VS EstimatesBMTC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

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4

4. BMTC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.23, which indicates a correct valuation of BMTC.
  • BMTC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • Based on the Price/Forward Earnings ratio of 14.52, the valuation of BMTC can be described as correct.
  • BMTC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.23
Fwd PE 14.52
BMTC Price Earnings VS Forward Price EarningsBMTC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BMTC Per share dataBMTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BMTC's earnings are expected to grow with 45.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)99.93
EPS Next 2Y37.5%
EPS Next 3Y45.16%

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5

5. BMTC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.49%, BMTC has a reasonable but not impressive dividend return.
  • Compared to an average S&P500 Dividend Yield of 1.88, BMTC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.49%

5.2 History

  • The dividend of BMTC is nicely growing with an annual growth rate of 7.22%!
  • BMTC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.22%
Div Incr YearsN/A
Div Non Decr YearsN/A
BMTC Yearly Dividends per shareBMTC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • BMTC pays out 30.17% of its income as dividend. This is a sustainable payout ratio.
  • BMTC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP30.17%
EPS Next 2Y37.5%
EPS Next 3Y45.16%
BMTC Yearly Income VS Free CF VS DividendBMTC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 20M 40M 60M 80M
BMTC Dividend Payout.BMTC Dividend Payout, showing the Payout Ratio.BMTC Dividend Payout.PayoutRetained Earnings

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BMTC Fundamentals: All Metrics, Ratios and Statistics

Bryn Mawr Bank Corporation

NASDAQ:BMTC (12/31/2021, 8:08:53 PM)

After market: 45.01 0 (0%)

45.01

-0.72 (-1.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)02-08
Inst Owners0.19%
Inst Owner Change0%
Ins Owners1.06%
Ins Owner Change0%
Market Cap902.99M
Revenue(TTM)225.35M
Net Income(TTM)72.34M
Analysts45.71
Price Target44.71 (-0.67%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.49%
Yearly Dividend1.06
Dividend Growth(5Y)7.22%
DP30.17%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.23
Fwd PE 14.52
P/S 4.01
P/FCF N/A
P/OCF N/A
P/B 1.38
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.68
EY8.18%
EPS(NY)3.1
Fwd EY6.89%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.23
BVpS32.68
TBVpSN/A
PEG (NY)0.1
PEG (5Y)99.93
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.48%
ROE 11.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.1%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)119.05%
EPS 3Y-12.16%
EPS 5Y0.12%
EPS Q2Q%36.36%
EPS Next Y121.35%
EPS Next 2Y37.5%
EPS Next 3Y45.16%
EPS Next 5Y49.89%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y9.03%
Revenue growth 5Y7.69%
Sales Q2Q%2.39%
Revenue Next Year-2.52%
Revenue Next 2Y0.06%
Revenue Next 3Y-0.59%
Revenue Next 5Y-0.42%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

Bryn Mawr Bank Corporation / BMTC Fundamental Analysis FAQ

What is the fundamental rating for BMTC stock?

ChartMill assigns a fundamental rating of 4 / 10 to BMTC.


What is the valuation status for BMTC stock?

ChartMill assigns a valuation rating of 6 / 10 to Bryn Mawr Bank Corporation (BMTC). This can be considered as Fairly Valued.


How profitable is Bryn Mawr Bank Corporation (BMTC) stock?

Bryn Mawr Bank Corporation (BMTC) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for BMTC stock?

The Price/Earnings (PE) ratio for Bryn Mawr Bank Corporation (BMTC) is 12.23 and the Price/Book (PB) ratio is 1.38.


What is the financial health of Bryn Mawr Bank Corporation (BMTC) stock?

The financial health rating of Bryn Mawr Bank Corporation (BMTC) is 1 / 10.