Bryn Mawr Bank
Market Cap
US$663.4m
Last Updated
2021/01/21 23:56 UTC
Data Sources
Company Financials +
Executive Summary
Bryn Mawr Bank Corporation operates as a bank holding company for The Bryn Mawr Trust Company that provides commercial and retail banking services to individual and business customers. More Details
Rewards
Risk Analysis
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 is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: BMTC's weekly volatility (7%) has been stable over the past year.
Market Performance
7 Day Return
-1.6%
BMTC
-5.3%
US Banks
1.4%
US Market
1 Year Return
-16.7%
BMTC
-8.4%
US Banks
22.6%
US Market
Return vs Industry: BMTC underperformed the US Banks industry which returned -7.2% over the past year.
Return vs Market: BMTC underperformed the US Market which returned 22.8% over the past year.
Shareholder returns
| BMTC | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.6% | -5.3% | 1.4% |
| 30 Day | 13.9% | 9.9% | 4.9% |
| 90 Day | 16.9% | 29.9% | 14.6% |
| 1 Year | -13.7%-16.7% | -5.0%-8.4% | 25.4%22.6% |
| 3 Year | -19.7%-26.2% | -2.1%-10.5% | 46.8%37.0% |
| 5 Year | 45.9%27.7% | 82.1%59.0% | 132.0%106.1% |
Long-Term 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
What Is The Ownership Structure Like For Bryn Mawr Bank Corporation (NASDAQ:BMTC)?1 month ago | Simply Wall St
Read This Before Buying Bryn Mawr Bank Corporation (NASDAQ:BMTC) For Its DividendValuation
Is Bryn Mawr Bank undervalued compared to its fair value and its price relative to the market?
26.1%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BMTC ($33.24) is trading below our estimate of fair value ($44.96)
Significantly Below Fair Value: BMTC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BMTC is poor value based on its PE Ratio (19.9x) compared to the US Banks industry average (12.3x).
PE vs Market: BMTC is good value based on its PE Ratio (19.9x) compared to the US market (21.1x).
Price to Earnings Growth Ratio
PEG Ratio: BMTC is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: BMTC's PB Ratio (1.1x) is in line with the US Banks industry average.
Next Steps
Future Growth
How is Bryn Mawr Bank forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
32.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BMTC's forecast earnings growth (32.3% per year) is above the savings rate (2%).
Earnings vs Market: BMTC's earnings (32.3% per year) are forecast to grow faster than the US market (21.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BMTC's revenue is expected to decline over the next 3 years (-3% per year).
High Growth Revenue: BMTC's revenue is forecast to decline over the next 3 years (-3% 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 (8.5%).
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Past Performance
How has Bryn Mawr Bank performed over the past 5 years?
16.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BMTC has high quality earnings.
Growing Profit Margin: BMTC's current net profit margins (18%) are lower than last year (27.5%).
Past Earnings Growth Analysis
Earnings Trend: BMTC's earnings have grown by 16.6% 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 (-44.3%) over the past year, making it difficult to compare to the Banks industry average (-4.3%).
Return on Equity
High ROE: BMTC's Return on Equity (5.4%) is considered low.
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
Financial Institutions Analysis
Asset Level: BMTC's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: BMTC has a sufficient allowance for bad loans (656%).
Low Risk Liabilities: 91% of BMTC's liabilities are made up of primarily low risk sources of funding.
Loan Level: BMTC has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: BMTC's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: BMTC has an appropriate level of bad loans (0.2%).
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Dividend
What is Bryn Mawr Bank current dividend yield, its reliability and sustainability?
3.25%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BMTC's dividend (3.25%) is higher than the bottom 25% of dividend payers in the US market (1.37%).
High Dividend: BMTC's dividend (3.25%) is low compared to the top 25% of dividend payers in the US market (3.86%).
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 reasonable payout ratio (62.9%), BMTC's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BMTC's dividends in 3 years are forecast to be well covered by earnings (39.1% payout ratio).
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Management
How experienced are the management team and are they aligned to shareholders interests?
3.3yrs
Average management tenure
CEO
Frank Leto (60 yo)
6yrs
Tenure
US$1,621,174
Compensation
Mr. Francis J. Leto, also known as Frank, J.D., has been the Chief Executive Officer and President of Bryn Mawr Bank Corporation (“Holding”) and Bryn Mawr Trust Company (“Bank”) since January 1, 2015 and M...
CEO Compensation Analysis
Compensation vs Market: Frank's total compensation ($USD1.62M) is below average for companies of similar size in the US market ($USD2.39M).
Compensation vs Earnings: Frank's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 6yrs | US$1.62m | 0.29% $ 2.0m | |
| Chief Financial Officer | 5.33yrs | US$809.19k | 0.091% $ 606.2k | |
| President of Banking Division & Director | 3.08yrs | US$944.59k | 0.15% $ 1.0m | |
| President of the Wealth Management Division | no data | US$1.13m | 0.026% $ 172.3k | |
| Senior VP & Chief Credit Officer - Bryn Mawr Trust | no data | US$1.08m | 0.0078% $ 51.7k | |
| Chief Accounting Officer & Controller | 3.5yrs | no data | 0.0075% $ 49.9k | |
| Senior VP & CTO | 2yrs | no data | no data | |
| General Counsel & Corporate Secretary | no data | no data | 0.022% $ 144.1k | |
| Senior Vice President of Marketing | no data | no data | no data | |
| Chief Human Resources Officer | 1.83yrs | no data | no data | |
| Executive VP of Corporate Banking Group of The Bryn Mawr Trust Co. | 2.75yrs | US$736.79k | no data | |
| Chief Risk Officer & VP | 3.58yrs | no data | 0.011% $ 71.1k |
3.3yrs
Average Tenure
53yo
Average Age
Experienced Management: BMTC's management team is considered experienced (3.3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 6yrs | US$1.62m | 0.29% $ 2.0m | |
| President of Banking Division & Director | 3.08yrs | US$944.59k | 0.15% $ 1.0m | |
| Independent Director | 24yrs | US$83.59k | 0.081% $ 537.0k | |
| Independent Director | 6yrs | US$82.59k | 0.074% $ 492.5k | |
| Independent Chairman of the Board | 6yrs | US$134.14k | 0.16% $ 1.0m | |
| Independent Director | 14.58yrs | US$92.59k | 0.079% $ 521.0k | |
| Independent Director | 8yrs | US$74.59k | 0.045% $ 299.3k | |
| Independent Director | 3yrs | US$77.43k | 0.031% $ 204.7k | |
| Independent Director | 17yrs | US$78.34k | 0.14% $ 933.8k | |
| Independent Director | 6yrs | US$84.84k | 0.16% $ 1.0m |
7.0yrs
Average Tenure
65yo
Average Age
Experienced Board: BMTC's board of directors are considered experienced (7 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BMTC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$663.410m
- Shares outstanding: 19.96m
- 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 a 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 s...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/21 23:56 |
| End of Day Share Price | 2021/01/21 00:00 |
| Earnings | 2020/09/30 |
| 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.