Bryn Mawr Bank
Market Cap
US$803.1m
Last Updated
2020/01/23 23:34 UTC
Data Sources
Company Financials +
Executive Summary
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.
Rewards
Risk Analysis
No risks detected for BMTC from our risk checks.
Snowflake Analysis
Flawless balance sheet established dividend payer.
Similar Companies
Share Price & News
How has Bryn Mawr Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BMTC has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-0.9%
BMTC
-1.0%
US Banks
-0.09%
US Market
1 Year Return
6.4%
BMTC
14.7%
US Banks
23.9%
US Market
Return vs Industry: BMTC underperformed the US Banks industry which returned 21.7% over the past year.
Return vs Market: BMTC underperformed the US Market which returned 24.7% over the past year.
Shareholder returns
| BMTC | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.9% | -1.0% | -0.09% |
| 30 Day | -3.2% | -3.0% | 3.1% |
| 90 Day | 7.1% | 4.5% | 10.4% |
| 1 Year | 9.3%6.4% | 18.0%14.7% | 26.6%23.9% |
| 3 Year | 3.0%-3.8% | 28.6%19.4% | 50.9%41.2% |
| 5 Year | 52.1%34.4% | 86.7%65.8% | 78.1%58.5% |
Price Volatility Vs. Market
How volatile is Bryn Mawr Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
The Bryn Mawr Bank (NASDAQ:BMTC) Share Price Has Gained 38% And Shareholders Are Hoping For More1 month ago | Simply Wall St
Does Bryn Mawr Bank Corporation's (NASDAQ:BMTC) CEO Pay Compare Well With Peers?1 month ago | Simply Wall St
Why Bryn Mawr Bank Corporation (NASDAQ:BMTC) Is A Dividend RockstarValuation
Is Bryn Mawr Bank undervalued compared to its fair value and its price relative to the market?
13.58x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BMTC ($39.95) is trading above our estimate of fair value ($39.61)
Significantly Below Fair Value: BMTC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BMTC is poor value based on its PE Ratio (13.5x) compared to the Banks industry average (12.8x).
PE vs Market: BMTC is good value based on its PE Ratio (13.5x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: BMTC is poor value based on its PEG Ratio (2.5x)
Price to Book Ratio
PB vs Industry: BMTC is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Bryn Mawr Bank forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
5.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BMTC's forecast earnings growth (5.5% per year) is above the savings rate (1.7%).
Earnings vs Market: BMTC's earnings (5.5% per year) are forecast to grow slower than the US market (14.3% per year).
High Growth Earnings: BMTC's earnings are forecast to grow, but not significantly.
Revenue vs Market: BMTC's revenue is expected to decline over the next 3 years (-5.4% per year).
High Growth Revenue: BMTC's revenue is forecast to decline over the next 3 years (-5.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BMTC's Return on Equity is forecast to be low in 3 years time (9.9%).
Next Steps
Past Performance
How has Bryn Mawr Bank performed over the past 5 years?
21.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BMTC has high quality earnings.
Growing Profit Margin: BMTC's current net profit margins (26.8%) are lower than last year (29.8%).
Past Earnings Growth Analysis
Earnings Trend: BMTC's earnings have grown significantly by 20.1% per year over the past 5 years.
Accelerating Growth: BMTC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BMTC had negative earnings growth (-7.2%) over the past year, making it difficult to compare to the Banks industry average (26.3%).
Return on Equity
High ROE: BMTC's Return on Equity (10%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Bryn Mawr Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: BMTC has a low level of unsold assets or inventory.
Debt Coverage by Assets: BMTC's debt is not covered by short term assets (assets are 0.3x debt).
Financial Institutions Analysis
Asset Level: BMTC's level of assets compared to its equity is low.
Allowance for Bad Loans: BMTC has a sufficient allowance for bad loans.
Low Risk Liabilities: BMTC's liabilities are made up of primarily low risk sources of funding.
Loan Level: BMTC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BMTC's loans are broadly funded by customer deposits.
Level of Bad Loans: BMTC has an appropriate level of bad loans (0.4%)
Next Steps
Dividend
What is Bryn Mawr Bank's current dividend yield, its reliability and sustainability?
2.61%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: BMTC's dividend (2.59%) is higher than the bottom 25% of dividend payers in the US market (1.4%).
High Dividend: BMTC's dividend (2.59%) is low compared to the top 25% of dividend payers in the US market (3.66%).
Stability and Growth of Payments
Stable Dividend: BMTC's dividends per share have been stable in the past 10 years.
Growing Dividend: BMTC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (34.3%), BMTC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BMTC's dividends in 3 years are forecast to be well covered by earnings (34.9% payout ratio).
Next Steps
Management
What is the CEO of Bryn Mawr Bank's salary, the management and board of directors tenure and is there insider trading?
2.1yrs
Average management tenure
CEO
Frank Leto (59yo)
5yrs
Tenure
US$1,729,087
Compensation
Mr. Francis J. Leto, also known as Frank, has been the Chief Executive Officer and President of Bryn Mawr Bank Corporation (“Holding”) and Bryn Mawr Trust Company (“Bank”) since January 1, 2015 and May 1, ...
CEO Compensation Analysis
Compensation vs Market: Frank's total compensation ($USD1.73M) is below average for companies of similar size in the US market ($USD2.53M).
Compensation vs Earnings: Frank's compensation has been consistent with company performance over the past year.
Management Age and Tenure
2.1yrs
Average Tenure
54yo
Average Age
Experienced Management: BMTC's management team is considered experienced (2.1 years average tenure).
Board Age and Tenure
6.0yrs
Average Tenure
64yo
Average Age
Experienced Board: BMTC's board of directors are considered experienced (6 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Management Team
Joe Keefer (60yo)
Executive VP of Corporate Banking Group of The Bryn Mawr Trust Co.
- Tenure: 1.8yrs
- Compensation: US$736.79k
F. Tylus (64yo)
President of Banking Division & Director
- Tenure: 2.1yrs
- Compensation: US$904.27k
Frank Leto (59yo)
President
- Tenure: 5yrs
- Compensation: US$1.73m
Mike Harrington (56yo)
Executive VP & CFO
- Tenure: 4.3yrs
- Compensation: US$824.16k
Linda Sanchez
Senior VP & Chief Human Resources Officer
- Tenure: 0.8yrs
Jen Fox (48yo)
President of Wealth Management Division
- Compensation: US$767.05k
Adam Bonanno (41yo)
Senior VP & Chief Technology Officer
- Tenure: 1yrs
Lori A. Goldman (38yo)
Senior VP
Michael LaPlante (47yo)
Chief Accounting Officer & Controller
- Tenure: 2.5yrs
Tina McDonald (54yo)
Senior Vice President of Marketing
Board Members
Wendell Holland (67yo)
Independent Director
- Tenure: 23yrs
- Compensation: US$75.39k
A. May (63yo)
Independent Director
- Tenure: 5yrs
- Compensation: US$75.39k
Britt Murdoch (61yo)
Chairman of the Board
- Tenure: 5yrs
- Compensation: US$126.60k
F. Tylus (64yo)
President of Banking Division & Director
- Tenure: 2.1yrs
- Compensation: US$904.27k
Scott Jenkins (64yo)
Independent Director
- Tenure: 13.6yrs
- Compensation: US$85.64k
Frank Leto (59yo)
President
- Tenure: 5yrs
- Compensation: US$1.73m
Lynn McKee (64yo)
Independent Director
- Tenure: 7yrs
- Compensation: US$66.89k
Diego Calderin (57yo)
Independent Director
- Tenure: 2yrs
- Compensation: US$67.30k
Andrea Gilbert (66yo)
Independent Director
- Tenure: 16yrs
- Compensation: US$66.14k
Michael Clement (69yo)
Independent Director
- Tenure: 5yrs
- Compensation: US$74.89k
Company Information
Bryn Mawr Bank Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Bryn Mawr Bank Corporation
- Ticker: BMTC
- Exchange: NasdaqGS
- Founded: 1889
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$803.140m
- Shares outstanding: 20.13m
- Website: https://www.bmt.com
Number of Employees
Location
- Bryn Mawr Bank Corporation
- 801 Lancaster Avenue
- Bryn Mawr
- Pennsylvania
- 19010
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BMTC | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Jan 1975 |
Biography
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.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/01/23 23:34 |
| End of Day Share Price | 2020/01/23 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.