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Bryn Mawr Bank

Nasdaq:BMTC
Snowflake Description

Flawless balance sheet with proven track record and pays a dividend.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BMTC
Nasdaq
$746M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Bryn Mawr Bank Corporation operates as the bank holding company for The Bryn Mawr Trust Company that provides commercial and retail banking services to individual and business customers. The last earnings update was 68 days ago. More info.


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BMTC Share Price and Events
7 Day Returns
-1.4%
NasdaqGS:BMTC
0.3%
US Banks
0.8%
US Market
1 Year Returns
-21.5%
NasdaqGS:BMTC
-2.5%
US Banks
4.8%
US Market
BMTC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bryn Mawr Bank (BMTC) -1.4% -2.2% -1.1% -21.5% 25.3% 25.2%
US Banks 0.3% 4% 2.2% -2.5% 47.8% 48.2%
US Market 0.8% 4.3% 2.8% 4.8% 37.9% 43.5%
1 Year Return vs Industry and Market
  • BMTC underperformed the Banks industry which returned -2.5% over the past year.
  • BMTC underperformed the Market in United States of America which returned 4.8% over the past year.
Price Volatility
BMTC
Industry
5yr Volatility vs Market

BMTC Value

 Is Bryn Mawr Bank undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Bryn Mawr Bank to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bryn Mawr Bank.

NasdaqGS:BMTC Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= $32.13 * 11.7%
$3.74
Book Value of Equity per Share Weighted future Book Value estimates from 4 analysts. $32.13
Discount Rate (Cost of Equity) See below 8%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:BMTC
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.597 (1 + (1- 21%) (46.68%))
0.877
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.88
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.877 * 5.96%)
7.96%

Discounted Cash Flow Calculation for NasdaqGS:BMTC using Excess Returns Model Model

The calculations below outline how an intrinsic value for Bryn Mawr Bank is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:BMTC Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (11.7% – 7.96%) * $32.13)
$1.19
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $1.19 / (7.96% - 2.73%)
$22.71
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $32.13 + $22.71
$54.85
NasdaqGS:BMTC Discount to Share Price
Calculation Result
Value per share (USD) From above. $54.85
Current discount Discount to share price of $37.01
= -1 x ($37.01 - $54.85) / $54.85
32.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Bryn Mawr Bank is available for.
Intrinsic value
33%
Share price is $37.01 vs Future cash flow value of $54.85
Current Discount Checks
For Bryn Mawr Bank to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Bryn Mawr Bank's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Bryn Mawr Bank's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bryn Mawr Bank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bryn Mawr Bank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:BMTC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $2.93
NasdaqGS:BMTC Share Price ** NasdaqGS (2019-07-15) in USD $37.01
United States of America Banks Industry PE Ratio Median Figure of 592 Publicly-Listed Banks Companies 12.88x
United States of America Market PE Ratio Median Figure of 3,084 Publicly-Listed Companies 18.01x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bryn Mawr Bank.

NasdaqGS:BMTC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:BMTC Share Price ÷ EPS (both in USD)

= 37.01 ÷ 2.93

12.65x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bryn Mawr Bank is good value based on earnings compared to the US Banks industry average.
  • Bryn Mawr Bank is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Bryn Mawr Bank's expected growth come at a high price?
Raw Data
NasdaqGS:BMTC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.65x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
10%per year
United States of America Banks Industry PEG Ratio Median Figure of 271 Publicly-Listed Banks Companies 1.28x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

NasdaqGS:BMTC PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.65x ÷ 10%

1.26x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bryn Mawr Bank is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Bryn Mawr Bank's assets?
Raw Data
NasdaqGS:BMTC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $28.55
NasdaqGS:BMTC Share Price * NasdaqGS (2019-07-15) in USD $37.01
United States of America Banks Industry PB Ratio Median Figure of 592 Publicly-Listed Banks Companies 1.21x
United States of America Market PB Ratio Median Figure of 5,240 Publicly-Listed Companies 1.81x
NasdaqGS:BMTC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:BMTC Share Price ÷ Book Value per Share (both in USD)

= 37.01 ÷ 28.55

1.3x

* Primary Listing of Bryn Mawr Bank.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bryn Mawr Bank is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Bryn Mawr Bank's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Bryn Mawr Bank has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BMTC Future Performance

 How is Bryn Mawr Bank expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
10%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bryn Mawr Bank expected to grow at an attractive rate?
  • Bryn Mawr Bank's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bryn Mawr Bank's earnings growth is positive but not above the United States of America market average.
  • Bryn Mawr Bank's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:BMTC Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:BMTC Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 10%
NasdaqGS:BMTC Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts -2.1%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 2.7%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:BMTC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:BMTC Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 179 77 1
2020-12-31 162 68 5
2019-12-31 155 61 5
NasdaqGS:BMTC Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 213 81 59
2018-12-31 214 79 64
2018-09-30 205 56 40
2018-06-30 196 51 35
2018-03-31 185 22 29
2017-12-31 171 33 23
2017-09-30 166 59 39
2017-06-30 161 54 37
2017-03-31 159 61 37
2016-12-31 156 54 36
2016-09-30 154 42 20
2016-06-30 152 48 18

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bryn Mawr Bank's earnings are expected to grow by 10% yearly, however this is not considered high growth (20% yearly).
  • Bryn Mawr Bank's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:BMTC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from Bryn Mawr Bank Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BMTC Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 3.86 3.86 3.86 1.00
2020-12-31 3.34 3.48 3.26 5.00
2019-12-31 2.98 3.07 2.92 5.00
NasdaqGS:BMTC Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 2.93
2018-12-31 3.15
2018-09-30 2.07
2018-06-30 1.84
2018-03-31 1.63
2017-12-31 1.34
2017-09-30 2.28
2017-06-30 2.20
2017-03-31 2.18
2016-12-31 2.14
2016-09-30 1.20
2016-06-30 1.08

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Bryn Mawr Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Bryn Mawr Bank's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bryn Mawr Bank has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BMTC Past Performance

  How has Bryn Mawr Bank performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bryn Mawr Bank's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bryn Mawr Bank's year on year earnings growth rate has been positive over the past 5 years.
  • Bryn Mawr Bank's 1-year earnings growth exceeds its 5-year average (102.3% vs 15.3%)
  • Bryn Mawr Bank's earnings growth has exceeded the US Banks industry average in the past year (102.3% vs 40.7%).
Earnings and Revenue History
Bryn Mawr Bank's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bryn Mawr Bank Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BMTC Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 213.42 59.18 117.18
2018-12-31 213.92 63.79 110.46
2018-09-30 205.29 40.46 103.90
2018-06-30 195.68 34.51 98.99
2018-03-31 184.62 29.26 94.65
2017-12-31 171.30 23.02 89.02
2017-09-30 165.87 38.62 86.67
2017-06-30 161.42 37.26 84.71
2017-03-31 158.57 36.76 83.43
2016-12-31 155.54 36.04 82.49
2016-09-30 154.02 20.27 83.35
2016-06-30 151.91 18.40 83.08
2016-03-31 150.35 17.58 82.09
2015-12-31 151.52 16.75 80.82
2015-09-30 147.06 30.15 76.60
2015-06-30 140.24 29.16 71.91
2015-03-31 134.15 28.65 68.15
2014-12-31 124.27 27.84 63.56
2014-09-30 122.13 27.27 62.27
2014-06-30 120.92 27.17 61.27
2014-03-31 118.49 25.81 60.22
2013-12-31 117.77 24.44 62.88
2013-09-30 116.29 23.28 60.45
2013-06-30 114.53 22.30 60.25
2013-03-31 110.94 21.39 59.24
2012-12-31 107.12 21.15 55.04
2012-09-30 102.42 20.85 54.10

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bryn Mawr Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bryn Mawr Bank used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Bryn Mawr Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bryn Mawr Bank's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bryn Mawr Bank has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BMTC Health

 How is Bryn Mawr Bank's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bryn Mawr Bank's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bryn Mawr Bank Company Filings, last reported 3 months ago.

NasdaqGS:BMTC Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 575.11 299.81 43.11
2018-12-31 564.70 427.85 44.16
2018-09-30 551.43 419.36 45.35
2018-06-30 542.50 434.86 11.04
2018-03-31 533.06 401.39 8.99
2017-12-31 528.12 496.84 54.22
2017-09-30 401.89 347.05 10.95
2017-06-30 394.98 325.33 20.86
2017-03-31 388.10 227.87 18.04
2016-12-31 381.13 423.43 40.37
2016-09-30 378.46 284.36 19.62
2016-06-30 372.47 273.43 17.29
2016-03-31 365.18 316.33 25.49
2015-12-31 365.71 378.51 131.37
2015-09-30 368.16 309.28 39.29
2015-06-30 381.10 271.45 40.17
2015-03-31 377.90 288.86 30.05
2014-12-31 245.47 283.97 222.18
2014-09-30 247.61 244.55 25.37
2014-06-30 243.37 246.45 35.56
2014-03-31 235.48 225.38 28.16
2013-12-31 229.90 216.54 85.28
2013-09-30 217.76 267.23 98.52
2013-06-30 212.47 224.41 112.29
2013-03-31 210.17 187.00 150.72
2012-12-31 203.56 170.72 173.33
2012-09-30 201.26 189.45 38.48
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bryn Mawr Bank has an acceptable proportion of non-loan assets held.
  • Bryn Mawr Bank's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bryn Mawr Bank are broadly funded by customer deposits.
  • Bryn Mawr Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bryn Mawr Bank has a sufficient allowance for bad loans.
  • Bryn Mawr Bank has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bryn Mawr Bank's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bryn Mawr Bank has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BMTC Dividends

 What is Bryn Mawr Bank's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.7%
Current annual income from Bryn Mawr Bank dividends. Estimated to be 2.92% next year.
If you bought $2,000 of Bryn Mawr Bank shares you are expected to receive $54 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Bryn Mawr Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.41%).
  • Bryn Mawr Bank's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:BMTC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 479 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2018 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:BMTC Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 1.26 1.00
2020-12-31 1.10 5.00
2019-12-31 1.03 5.00
NasdaqGS:BMTC Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-08 1.000 2.671
2019-04-18 1.000 2.652
2019-03-01 1.000 2.674
2019-01-17 1.000 2.582
2018-11-02 1.000 2.702
2018-10-18 1.000 2.514
2018-08-03 1.000 2.105
2018-07-19 1.000 2.048
2018-01-29 0.880 1.921
2017-11-03 0.880 1.982
2017-10-19 0.880 1.992
2017-08-04 0.880 2.096
2017-07-20 0.880 2.062
2017-05-05 0.840 2.006
2017-04-20 0.840 1.980
2017-03-17 0.840 2.140
2017-03-10 0.840 2.103
2017-01-23 0.840 2.054
2017-01-19 0.840 2.095
2016-11-04 0.840 2.203
2016-10-20 0.840 2.690
2016-08-05 0.840 2.673
2016-07-21 0.840 2.859
2016-04-28 0.800 2.758
2016-03-11 0.800 3.105
2016-01-21 0.800 3.151
2015-07-24 0.800 2.711
2015-07-23 0.800 2.737
2015-05-04 0.760 2.535
2015-04-30 0.760 2.546
2014-10-23 0.760 2.523
2014-07-24 0.760 2.589
2014-04-30 0.720 2.493
2013-10-24 0.720 2.518
2013-07-25 0.680 2.571
2013-04-25 0.680 2.868
2013-02-04 0.680 2.948
2013-01-24 0.680 2.968
2012-10-25 0.640 2.923
2012-07-26 0.640 2.909
2012-05-02 0.640 3.101
2012-01-30 0.640 3.055
2011-10-27 0.600 3.200
2011-07-28 0.600 3.362
2011-04-28 0.600 2.960
2011-02-01 0.600 2.991
2010-11-08 0.560 3.247
2010-07-22 0.560 3.271
2010-04-29 0.560 3.191
2010-01-28 0.560 3.179
2009-10-28 0.560 3.672
2009-08-03 0.560 3.180
2009-04-28 0.560 2.982
2009-01-29 0.560 3.349
2008-10-29 0.560 2.912
2008-07-24 0.560 2.491

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Bryn Mawr Bank's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Bryn Mawr Bank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bryn Mawr Bank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bryn Mawr Bank has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BMTC Management

 What is the CEO of Bryn Mawr Bank's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Frank Leto
COMPENSATION $1,729,087
AGE 59
TENURE AS CEO 4.5 years
CEO Bio

Mr. Francis J. Leto, also known as Frank, has been the Chief Executive Officer and President of Bryn Mawr Bank Corporation (“Holding”) and Bryn Mawr Trust Company (“Bank”) since January 1, 2015 and May 1, 2014 respectively. Mr. Leto served as an Executive Vice President and General Counsel at Holding and also served as its Chief Operating Officer from May 1, 2014 to December 31, 2014. He served as the General Counsel, Head of the Wealth Management Division of Bank until May 1, 2014 and also served as its General Counsel from April 2011 to May 1, 2014. Mr. Leto served as the Chief Executive Officer of Brandywine Abstract Company, LP since May 1988 and served as its President from May 1988 to January 2009. Mr. Leto served as General Counsel of Lifestyle Development, LP, from October 2007 to January 2009 and Of Counsel at Brett Senior & Associates from April 2006 to January 2009. Mr. Leto was Partner in the law firm of Celli and Leto, LLP from January 1995 to March 2006. Mr. Leto joined the Bank in 2002 as a Director and served as the Bank’s Lead Director from 2006 and 2009. In 2009 he joined the Bank as Executive Vice President and head of the Wealth Management Division. Mr. Leto served as Lead Director of Holding until January 2009. His charitable work includes board positions with The Bryn Mawr Hospital Foundation, Pennsylvania Academy of the Fine Arts, and Pennsylvania Association of Community Bankers. He earned a Bachelor’s degree in Political Science from St. Joseph’s University and a J.D. cum laude from The Delaware Law School of Widener University.

CEO Compensation
  • Frank's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Frank's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Bryn Mawr Bank management team in years:

1.6
Average Tenure
52
Average Age
  • The average tenure for the Bryn Mawr Bank management team is less than 2 years, this suggests a new team.
Management Team

Frank Leto

TITLE
President
COMPENSATION
$2M
AGE
59
TENURE
4.5 yrs

Mike Harrington

TITLE
Executive VP & CFO
COMPENSATION
$824K
AGE
56
TENURE
3.8 yrs

F. Tylus

TITLE
President of Banking Division & Director
COMPENSATION
$904K
AGE
64
TENURE
1.6 yrs

Jen Fox

TITLE
President of Wealth Management Division
COMPENSATION
$767K
AGE
48

Michael LaPlante

TITLE
Chief Accounting Officer & Controller
AGE
47
TENURE
2 yrs

Adam Bonanno

TITLE
Senior VP & Chief Technology Officer
AGE
41
TENURE
0.5 yrs

Lori A. Goldman

TITLE
Senior VP
AGE
38

Tina McDonald

TITLE
Senior Vice President of Marketing

Linda Sanchez

TITLE
Senior VP & Chief Human Resources Officer
TENURE
0.3 yrs

Joe Keefer

TITLE
Executive VP of Corporate Banking Group of The Bryn Mawr Trust Co.
COMPENSATION
$737K
AGE
60
TENURE
1.3 yrs
Board of Directors Tenure

Average tenure and age of the Bryn Mawr Bank board of directors in years:

5.5
Average Tenure
64
Average Age
  • The tenure for the Bryn Mawr Bank board of directors is about average.
Board of Directors

Britt Murdoch

TITLE
Chairman of the Board
COMPENSATION
$127K
AGE
61
TENURE
4.5 yrs

Frank Leto

TITLE
President
COMPENSATION
$2M
AGE
59
TENURE
17.5 yrs

F. Tylus

TITLE
President of Banking Division & Director
COMPENSATION
$904K
AGE
64
TENURE
1.6 yrs

Wendell Holland

TITLE
Director
COMPENSATION
$75K
AGE
67
TENURE
22.5 yrs

Scott Jenkins

TITLE
Director
COMPENSATION
$86K
AGE
64
TENURE
13.1 yrs

Lynn McKee

TITLE
Director
COMPENSATION
$67K
AGE
64
TENURE
6.5 yrs

Michael Clement

TITLE
Director
COMPENSATION
$75K
AGE
69
TENURE
4.5 yrs

Diego Calderin

TITLE
Director
COMPENSATION
$67K
AGE
57
TENURE
1.5 yrs

Andrea Gilbert

TITLE
Director
COMPENSATION
$66K
AGE
66
TENURE
15.5 yrs

A. May

TITLE
Director
COMPENSATION
$75K
AGE
63
TENURE
4.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
07. Dec 18 Buy Diego Calderin Individual 06. Dec 18 06. Dec 18 600 $35.25 $21,150
13. Sep 18 Sell Wendell Holland Individual 13. Sep 18 13. Sep 18 -1,500 $48.00 $-72,000
10. Sep 18 Sell F. Tylus Individual 07. Sep 18 07. Sep 18 -7,000 $48.34 $-338,345
23. Aug 18 Sell Francis Leto Individual 22. Aug 18 22. Aug 18 -8,075 $49.47 $-399,469
16. Aug 18 Sell Britton Murdoch Individual 14. Aug 18 16. Aug 18 -9,000 $49.37 $-441,943
26. Jul 18 Sell Joseph Keefer Individual 24. Jul 18 24. Jul 18 -2,040 $48.87 $-99,688
26. Jul 18 Buy Diego Calderin Individual 24. Jul 18 24. Jul 18 400 $48.75 $19,500
X
Management checks
We assess Bryn Mawr Bank's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bryn Mawr Bank has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BMTC News

Simply Wall St News

If You Had Bought Bryn Mawr Bank (NASDAQ:BMTC) Shares Three Years Ago You'd Have Made 31%

For example, the Bryn Mawr Bank Corporation (NASDAQ:BMTC) share price return of 31% over three years lags the market return in the same period. … Bryn Mawr Bank was able to grow its EPS at 42% per year over three years, sending the share price higher. … As it happens, Bryn Mawr Bank's TSR for the last 3 years was 40%, which exceeds the share price return mentioned earlier.

Simply Wall St -

Does The Hype Around Bryn Mawr Bank Corporation's (NASDAQ:BMTC) Growth Justify Its June Share Price?

Looking at Bryn Mawr Bank Corporation’s (NASDAQ:BMTC) fundamentals some investors are wondering if its last closing price of $36.51 represents a good value for money for this high growth stock. … But, to properly examine the value of a high-growth stock such as Bryn Mawr Bank, we must reflect its earnings growth into the valuation. … Based on this growth, Bryn Mawr Bank's stock can be considered slightly overvalued , based on fundamental analysis.

Simply Wall St -

Is It Too Late To Buy Bryn Mawr Bank Corporation (NASDAQ:BMTC) At Its June Price?

Bryn Mawr Bank Corporation (NASDAQ:BMTC) is considered a high-growth stock, but its last closing price of $36.51 left some investors wondering if this high future earnings potential can be rationalized by its current price tag. … However, to properly examine the value of a high-growth stock such as Bryn Mawr Bank, we must reflect its earnings growth into the valuation. … A PE ratio of 12.48x and expected year-on-year earnings growth of 10% give Bryn Mawr Bank a higher PEG ratio of 1.21x.

Simply Wall St -

Should You Worry About Bryn Mawr Bank Corporation's (NASDAQ:BMTC) CEO Pay?

Check out our latest analysis for Bryn Mawr Bank How Does Frank Leto's Compensation Compare With Similar Sized Companies? … According to our data, Bryn Mawr Bank Corporation has a market capitalization of US$759m, and pays its CEO total annual compensation worth US$1.7m. … It appears that Bryn Mawr Bank Corporation remunerates its CEO below most similar sized companies.

Simply Wall St -

Why Bryn Mawr Bank Corporation (NASDAQ:BMTC) Is A Top Dividend Stock

Dividend paying stocks like Bryn Mawr Bank Corporation (NASDAQ:BMTC) tend to be popular with investors, and for good reason - some research suggests a significant amount of all stock market returns come from reinvested dividends. Yet sometimes, investors buy a popular dividend stock because of its yield, and then lose money if the company's dividend doesn't live up to expectations. A slim 2.6% yield is hard to get excited about, but the long payment history is respectable. At the right price, or with strong growth opportunities, Bryn Mawr Bank could have potential. The company also bought back stock equivalent to around 0.9% of market capitalisation this year. Before you buy any stock for its dividend however, you should always remember Warren Buffett's two rules: 1) Don't lose money, and 2) Remember rule #1. … For the purpose of this article, we only scrutinise the last decade of Bryn Mawr Bank's dividend payments. … Conclusion To summarise, shareholders should always check that Bryn Mawr Bank's dividends are affordable, that its dividend payments are relatively stable, and that it has decent prospects for growing its earnings and dividend.

Simply Wall St -

Only 3 Days Left To Cash In On Bryn Mawr Bank Corporation (NASDAQ:BMTC) Dividend

Investors who want to cash in on Bryn Mawr Bank Corporation's (NASDAQ:BMTC) upcoming dividend of US$0.25 per share have only 3 days left to buy the shares before its ex-dividend date, 30 April 2019, in time for dividends payable on the 01 June 2019. … Investors looking for higher income-generating stocks to add to their portfolio should keep reading, as I examine Bryn Mawr Bank's latest financial data to analyse its dividend characteristics. … Whenever I am looking at a potential dividend stock investment, I always check these five metrics:?

Simply Wall St -

Should You Be Worried About Insider Transactions At Bryn Mawr Bank Corporation (NASDAQ:BMTC)?

So before you buy or sell Bryn Mawr Bank Corporation (NASDAQ:BMTC), you may well want to know whether insiders have been buying or selling. … The Last 12 Months Of Insider Transactions At Bryn Mawr Bank. … Over the last year we saw more insider selling of Bryn Mawr Bank shares, than buying.

Simply Wall St -

Three Understated Metrics For Bryn Mawr Bank Corporation (NASDAQ:BMTC) You Should Know

Bryn Mawr Bank Corporation’s (NASDAQ:BMTC) profitability and risk are largely affected by the underlying economic growth for the region it operates in US given it is a small-cap stock with a market capitalisation of US$742m. … Unpredictable macro events such as political instability could weaken its financial position which is why it is important to understand how well the bank manages its risk levels. … Today we will be measuring Bryn Mawr Bank’s financial risk position by looking at three leverage and liquidity metrics.

Simply Wall St -

Does Bryn Mawr Bank Corporation (NASDAQ:BMTC) Have A Good P/E Ratio?

We'll show how you can use Bryn Mawr Bank Corporation's (NASDAQ:BMTC) P/E ratio to inform your assessment of the investment opportunity. … Bryn Mawr Bank has a price to earnings ratio of 12, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

What Kind Of Investor Owns Most Of Bryn Mawr Bank Corporation (NASDAQ:BMTC)?

If you want to know who really controls Bryn Mawr Bank Corporation (NASDAQ:BMTC), then you'll have to look at the makeup of its share registry. … Bryn Mawr Bank has a market capitalization of US$809m, so we would expect some institutional investors to have noticed the stock. … institutions are noticeable on the share registry.

Simply Wall St -

BMTC Company Info

Description

Bryn Mawr Bank Corporation operates as the bank holding company for The Bryn Mawr Trust Company that provides commercial and retail banking services to individual and business customers. It operates in two segments, Wealth Management and Banking. The company accepts deposit products, including interest-bearing demand accounts, wholesale time deposits, retail time deposits, savings accounts, noninterest-bearing demand accounts, and wholesale non-maturity deposits, as well as NOW and market rate accounts. It also provides loan and lease portfolio of products, such as commercial mortgages, home equity lines and loans, and residential mortgages, as well as construction, and commercial and industrial consumer loans and leases; and leasing services. In addition, the company offers wealth management services comprising trust administration and other related fiduciary, custody, investment management and advisory, employee benefit account and IRA administration, estate settlement, financial planning, and brokerage services, as well as estate administration, retirement planning, and tax planning and preparation services. Further, it provides insurance and related products and services that include casualty, property, and allied insurance lines, as well as life insurance, annuities, medical insurance, and accident and health insurance for groups and individuals. Additionally, the company offers a small-ticket equipment financing services. It provides its services through 43 banking locations, 6 wealth management offices, and 2 insurance and risk management locations in the Montgomery, Chester, Delaware, Philadelphia, and Dauphin Counties in Pennsylvania; New Castle County in Delaware; and Mercer and Camden Counties in New Jersey. The company was founded in 1889 and is headquartered in Bryn Mawr, Pennsylvania.

Details
Name: Bryn Mawr Bank Corporation
BMTC
Exchange: NasdaqGS
Founded: 1889
$745,646,058
20,147,151
Website: http://www.bmt.com
Address: Bryn Mawr Bank Corporation
801 Lancaster Avenue,
Bryn Mawr,
Pennsylvania, 19010,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS BMTC Common Stock Nasdaq Global Select US USD 06. Jan 1975
Number of employees
Current staff
Staff numbers
664
Bryn Mawr Bank employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/15 23:34
End of day share price update: 2019/07/15 00:00
Last estimates confirmation: 2019/07/07
Last earnings filing: 2019/05/08
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.