Bryn Mawr Bank Corporation (BMTC)
Common Stock
BMTC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of BMTC have multiple concerns. BMTC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year BMTC was profitable.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
BMTC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
BMTC has less shares outstanding than it did 1 year ago.
The debt/assets ratio for BMTC is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.18 indicates that BMTC is not too dependend on debt financing.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 119.05% over the past year.
BMTC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.12% yearly.
The Revenue has decreased by -1.15% in the past year.
BMTC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.69% yearly.
EPS 1Y (TTM)119.05%
EPS 3Y-12.16%
EPS 5Y0.12%
EPS growth Q2Q36.36%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y9.03%
Revenue growth 5Y7.69%
Revenue growth Q2Q2.39%
3.2 Future
The Earnings Per Share is expected to grow by 49.89% on average over the next years. This is a very strong growth
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
BMTC is valuated correctly with a Price/Earnings ratio of 12.23.
Compared to an average S&P500 Price/Earnings ratio of 28.28, BMTC is valued rather cheaply.
With a Price/Forward Earnings ratio of 14.52, BMTC is valued correctly.
The average S&P500 Price/Forward Earnings ratio is at 20.88. BMTC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 14.52 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
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 2.41, BMTC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
5.2 History
On average, the dividend of BMTC grows each year by 7.22%, which is quite nice.
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
5.3 Sustainability
30.17% of the earnings are spent on dividend by BMTC. This is a low number and 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%
Bryn Mawr Bank Corporation
NASDAQ:BMTC (12/31/2021, 7:08:53 PM)
After market: 45.01 0 (0%)45.01
-0.72 (-1.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap902.99M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 14.52 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.1
PEG (5Y)99.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.48% | ||
| ROE | 11.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.1% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)119.05%
EPS 3Y-12.16%
EPS 5Y
EPS growth Q2Q
EPS Next Y121.35%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y9.03%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y