NasdaqGS:BNCL

Stock Analysis Report

Executive Summary

Beneficial Bancorp, Inc., together with its subsidiaries, provides consumer and commercial banking services to individuals, businesses, and nonprofit organizations in Philadelphia and Southern New Jersey area.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.


Similar Companies

Share Price & News

How has Beneficial Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.6%

BNCL

1.6%

US Mortgage

0.4%

US Market


1 Year Return

4.0%

BNCL

15.2%

US Mortgage

6.9%

US Market


Shareholder returns

BNCLIndustryMarket
7 Day-0.6%1.6%0.4%
30 Day2.0%1.0%-1.2%
90 Day3.5%4.0%-0.4%
1 Year5.6%4.0%17.7%15.2%9.3%6.9%
3 Year30.8%23.4%41.2%31.8%45.8%36.4%
5 Year38.7%30.9%71.5%53.4%62.9%45.1%

Price Volatility Vs. Market

How volatile is Beneficial Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Beneficial Bancorp undervalued compared to its fair value and its price relative to the market?

24.46x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: Insufficient data to calculate BNCL's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate BNCL's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: BNCL is poor value based on its PE Ratio (24.5x) compared to the Mortgage industry average (14.4x).

PE vs Market: BNCL is poor value based on its PE Ratio (24.5x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate BNCL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BNCL is good value based on its PB Ratio (1.1x) compared to the US Mortgage industry average (1.1x).


Next Steps

Future Growth

How is Beneficial Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.4%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if BNCL's forecast earnings growth is above the savings rate (2.7%).

Earnings vs Market: Insufficient data to determine if BNCL's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if BNCL's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if BNCL's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Beneficial Bancorp performed over the past 5 years?

18.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BNCL's earnings have grown by 18.1% per year over the past 5 years.

Accelerating Growth: BNCL's earnings growth over the past year (102.3%) exceeds its 5-year average (18.1% per year).

Earnings vs Industry: BNCL earnings growth over the past year (102.3%) exceeded the Mortgage industry 31.5%.


Return on Equity

High ROE: BNCL's Return on Equity (4.5%) is considered low.


Return on Assets

ROA vs Industry: BNCL's Return on Assets is below or equal to the Mortgage industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BNCL's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Beneficial Bancorp's financial position?


Financial Position Analysis

Short Term Liabilities: BNCL's short term assets ($880.3M) do not cover its short term liabilities ($4.4B)

Long Term Liabilities: BNCL's short term assets (880.3M) exceeds its long term liabilities (367.0M)


Debt to Equity History and Analysis

Debt Level: BNCL's debt to equity ratio (49%) is considered high

Reducing Debt: BNCL's debt to equity ratio has increased from 40.7% to 49% over the past 5 years.

Debt Coverage: BNCL's debt is not well covered by operating cash flow (19.4%).

Interest Coverage: Insufficient data to determine if BNCL's interest payments on its debt are well covered by EBIT.


Balance Sheet

Information is not available.

Information is not available.


Next Steps

Dividend

What is Beneficial Bancorp's current dividend yield, its reliability and sustainability?

1.49%

Current Dividend Yield


Dividend Yield vs Market

company1.5%marketbottom25%1.4%markettop25%3.7%industryaverage2.7%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BNCL's dividend (1.49%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: BNCL's dividend (1.49%) is low compared to the top 25% of dividend payers in the US market (3.73%).

Stable Dividend: Whilst dividend payments have been stable, BNCL has been paying a dividend for less than 10 years.

Growing Dividend: BNCL has only been paying a dividend for 3 years, and since then payments have not increased.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (36.4%), BNCL's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of Beneficial Bancorp's salary, the management and board of directors tenure and is there insider trading?

7.3yrs

Average management tenure


CEO

Gerry Cuddy (58yo)

13.2yrs

Tenure

US$2,014,998

Compensation

Mr. Gerard P. Cuddy, also known as Gerry, has been the Chief Executive Officer and President of Beneficial Bank (alternate name Beneficial Savings Bank) since January 2007. Mr. Cuddy has been the Chief Exe ...


CEO Compensation Analysis

Information is not available.

Compensation vs Earnings: Gerry's compensation has been consistent with company performance over the past year.


Management Age and Tenure

7.3yrs

Average Tenure

53yo

Average Age

Experienced Management: BNCL's management team is seasoned and experienced (7.3 years average tenure).


Board Age and Tenure

5.2yrs

Average Tenure

59yo

Average Age

Experienced Board: BNCL's board of directors are considered experienced (5.2 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.


Recent Insider Transactions

SellUS$2,723,24701 Mar 19
Gerard Cuddy
EntityIndividual
Role
Chief Executive Officer
President
Shares170,000
Max PriceUS$16.02

Ownership Breakdown


Management Team

  • Pam Cyr (51yo)

    Executive VP & Chief Retail Banking Officer of Beneficial Bank

    • Tenure: 6.8yrs
    • Compensation: US$457.62k
  • Gerry Cuddy (58yo)

    President

    • Tenure: 13.2yrs
    • Compensation: US$2.01m
  • Tom Cestare (49yo)

    Executive VP & CFO

    • Tenure: 5.2yrs
    • Compensation: US$990.50k
  • Bill Kline

    Senior VP & Corporate Secretary

    • Tenure: 0yrs
  • Martin Gallagher (61yo)

    Executive VP & Chief Lending Officer of Beneficial Bank

    • Tenure: 7.8yrs
    • Compensation: US$736.74k
  • Joanne Ryder (43yo)

    Executive VP & Chief Administrative Officer of Beneficial Bank

    • Tenure: 0yrs
    • Compensation: US$786.73k
  • Joseph Canosa (55yo)

    Executive VP & Chief Credit Officer of Beneficial Bank

    • Tenure: 0yrs
    • Compensation: US$1.08m
  • Sheila Stan

    VP & Assistant Controller

    • Tenure: 0yrs

Board Members

  • Elizabeth Gemmill (72yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$153.70k
  • Ed Boehne (77yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$147.49k
  • Michael Donahue (59yo)

    Director

    • Tenure: 3.5yrs
    • Compensation: US$139.26k
  • Roy Yates (55yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$138.18k
  • Frank Farnesi (71yo)

    Chairman of the Board

    • Tenure: 5.2yrs
    • Compensation: US$198.22k
  • Karen Buchholz (50yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$137.14k
  • Gerry Cuddy (58yo)

    President

    • Tenure: 13.2yrs
    • Compensation: US$2.01m
  • Don Gayhardt (53yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$151.63k
  • Tom Lewis (65yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$153.70k

Company Information

Beneficial Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Beneficial Bancorp, Inc.
  • Ticker: BNCL
  • Exchange: NasdaqGS
  • Founded: 1853
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$1.165b
  • Shares outstanding: 72.26m
  • Website: https://www.thebeneficial.com

Number of Employees


Location

  • Beneficial Bancorp, Inc.
  • 1818 Market Street
  • Philadelphia
  • Pennsylvania
  • 19103
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BNCLNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDJul 2007

Biography

Beneficial Bancorp, Inc., together with its subsidiaries, provides consumer and commercial banking services to individuals, businesses, and nonprofit organizations in Philadelphia and Southern New Jersey a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/03/03 00:29
End of Day Share Price2019/02/28 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.