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Market Price

35.57 

1.10 3.2%

as of Aug 16 '19

52 Week Range:

32.84 50.05


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 10.76
11.72
13.24
14.18
15.17
15.95
17.98
21.57
22.34
19.93
27.38
growth rate 8.9% 13.0% 7.1% 7.0% 5.1% 12.7% 20.0% 3.6% -10.8% 37.4%
Earnings BIT 14.34
15.84
13.69
29.31
32.22
37.03
46.03
30.13
59.13
62.93
growth rate 10.5% -13.6% 114.1% 9.9% 14.9% 24.3% -34.5% 96.2% 6.4%
Avg.PE 18.55
12.77
20.49
12.69
13.95
16.75
14.89
27.33
19.01
35.53
11.82
growth rate -31.2% 60.5% -38.1% 9.9% 20.1% -11.1% 83.6% -30.4% 86.9% -66.7%
ROA 0.87
0.87
0.62
1.12
1.11
1.19
1.29
0.63
1.12
0.58
1.40
growth rate 0.0% -28.7% 80.7% -0.9% 7.2% 8.4% -51.2% 77.8% -48.2% 141.4%
ROE 10.20
10.53
6.91
11.35
10.86
11.28
11.71
5.48
9.65
5.06
11.66
growth rate 3.2% -34.4% 64.3% -4.3% 3.9% 3.8% -53.2% 76.1% -47.6% 130.4%
ROIC 11.49
7.96
7.24
9.75
7.12
6.83
6.52
growth rate -30.7% -9.1% 34.7% -27.0% -4.1% -4.5%
Leverage 12.46
11.92
10.73
9.55
10.00
8.97
9.15
8.29
8.98
8.41
8.23
growth rate -4.3% -10.0% -11.0% 4.7% -10.3% 2.0% -9.4% 8.3% -6.4% -2.1%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 6.06
5.96
5.73
5.56
7.87
8.53
14.25
growth rate -1.8% -3.8% -2.9% 41.5% 8.4% 67.0%
Acct.Payable 1.59
1.23
0.84
1,688.03
2,252.73
2,579.68
3,373.80
3,599.09
growth rate -22.6% -31.8% 200,616.8% 33.5% 14.5% 30.8% 6.7%
Cur.Assets 233.75
166.51
73.82
82.98
70.71
growth rate -28.8% -55.7% 12.4% -14.8%
Total Assets 1,151.30
1,238.80
1,731.80
1,773.37
2,035.89
2,061.67
2,246.51
3,031.00
3,421.53
4,449.72
4,652.49
growth rate 7.6% 39.8% 2.4% 14.8% 1.3% 9.0% 34.9% 12.9% 30.1% 4.6%
Cash 69.00
70.10
89.40
355.99
504.51
381.97
218.28
131.37
40.37
54.22
44.16
growth rate 1.6% 27.5% 298.2% 41.7% -24.3% -42.9% -39.8% -69.3% 34.3% -18.6%
Inventory 1.15
2.64
1.02
0.30
0.42
growth rate 130.0% -61.5% -70.1% 37.2%
Cur.Liabilities 1,738.43
2,423.74
2,861.56
3,698.96
3,886.21
growth rate 39.4% 18.1% 29.3% 5.1%
Liabilities 1,058.90
1,134.90
1,570.40
1,588.99
1,832.32
1,831.77
2,001.03
2,665.29
3,040.40
3,921.60
4,087.78
growth rate 7.2% 38.4% 1.2% 15.3% 0.0% 9.2% 33.2% 14.1% 29.0% 4.2%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
234.61
209.34
144.27
175.21
147.38
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -88.4% -10.8% -31.1% 21.4% -15.9%
Equity 92.40
103.90
161.40
184.38
203.56
229.90
245.47
365.71
381.13
528.80
565.39
growth rate 12.5% 55.3% 14.2% 10.4% 12.9% 6.8% 49.0% 4.2% 38.8% 6.9%
Common Shares 9.00
9.00
11.00
13.00
13.00
14.00
14.00
18.00
17.00
17.00
20.00
growth rate 0.0% 22.2% 18.2% 0.0% 7.7% 0.0% 28.6% -5.6% 0.0% 17.7%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 5.90
2.10
2.10
2.61
4.05
3.57
5.46
7.61
2.21
8.30
19.43
growth rate -64.4% 0.0% 24.4% 55.0% -11.8% 52.8% 39.5% -71.0% 276.3% 133.9%
Cash Dividends 4.60
4.90
5.90
7.68
8.53
9.30
10.19
13.84
13.96
14.80
19.29
growth rate 6.5% 20.4% 30.2% 11.1% 9.0% 9.6% 35.8% 0.9% 6.0% 30.3%
Cash From OA 12.70
16.10
22.00
26.53
32.64
39.88
37.68
37.93
54.23
32.93
79.24
growth rate 26.8% 36.7% 20.6% 23.1% 22.2% -5.5% 0.7% 43.0% -39.3% 140.6%
FCF per Share 0.79
1.60
1.83
2.31
2.16
2.55
2.19
2.14
2.23
3.06
1.98
growth rate 102.5% 14.4% 26.2% -6.5% 18.1% -14.1% -2.3% 4.2% 37.2% -35.3%
Sale Purchase of Stock 9.25
3.80
4.91
2.99
6.47
2.18
1.50
growth rate -58.9% 29.3% -39.2% 116.7% -66.3% -31.3%
FCF 7.00
14.00
20.00
24.00
29.00
36.00
32.00
30.00
52.00
24.00
59.00
growth rate 100.0% 42.9% 20.0% 20.8% 24.1% -11.1% -6.3% 73.3% -53.9% 145.8%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 58.60
69.30
81.60
108.62
119.71
126.77
124.27
151.52
155.54
171.30
213.92
growth rate 18.3% 17.8% 33.1% 10.2% 5.9% -2.0% 21.9% 2.7% 10.1% 24.9%
Op.Income 14.30
15.80
13.50
19.60
21.15
24.44
48.46
56.32
57.50
65.70
85.06
growth rate 10.5% -14.6% 45.2% 7.9% 15.6% 98.3% 16.2% 2.1% 14.3% 29.5%
IBT 14.34
15.84
13.49
29.14
32.22
37.03
42.85
25.93
54.20
57.25
77.96
growth rate 10.5% -14.8% 116.0% 10.6% 14.9% 15.7% -39.5% 109.1% 5.6% 36.2%
Net Income 9.30
10.30
9.00
19.60
21.15
24.44
27.84
16.75
36.04
23.02
63.79
growth rate 10.8% -12.6% 117.8% 7.9% 15.6% 13.9% -39.8% 115.1% -36.1% 177.2%
EPS 1.08
1.18
0.85
1.54
1.60
1.80
2.01
0.94
2.12
1.32
3.13
growth rate 9.3% -28.0% 81.2% 3.9% 12.5% 11.7% -53.2% 125.5% -37.7% 137.1%
Gross Profit 124.27
151.52
155.54
171.30
213.92
growth rate 21.9% 2.7% 10.1% 24.9%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 3,358.92
3,357.23
3,599.09
3,637.62
3,632.41
growth rate -0.1% 7.2% 1.1% -0.1%
Cur.Assets 73.27
71.57
70.71
67.39
91.70
growth rate -2.3% -1.2% -4.7% 36.1%
Total Assets 4,394.20
4,388.44
4,652.49
4,631.99
4,736.57
growth rate -0.1% 6.0% -0.4% 2.3%
Cash 11.04
45.35
44.16
43.11
63.39
growth rate 310.7% -2.6% -2.4% 47.1%
Inventory 0.53
0.53
0.42
0.08
0.16
growth rate -0.4% -21.2% -79.9% 84.5%
Cur.Liabilities 3,631.07
3,619.02
3,886.21
3,803.61
3,876.59
growth rate -0.3% 7.4% -2.1% 1.9%
Liabilities 3,851.70
3,837.02
4,087.78
4,056.89
4,146.41
growth rate -0.4% 6.5% -0.8% 2.2%
LT Debt 167.93
164.76
147.38
142.50
140.12
growth rate -1.9% -10.6% -3.3% -1.7%
Equity 543.18
552.10
565.39
575.79
590.85
growth rate 1.6% 2.4% 1.8% 2.6%
Common Shares 24.45
24.53
24.55
24.58
24.58
growth rate 0.3% 0.1% 0.1% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 0.78
10.69
5.89
3.54
2.80
growth rate 1,270.4% -44.9% -39.9% -20.9%
Cash Dividends 4.47
5.21
5.08
5.04
5.05
growth rate 16.6% -2.6% -0.8% 0.1%
Cash From OA 32.96
24.93
16.31
6.82
-0.72
growth rate -24.4% -34.6% -58.2% -100.0%
Sale Purchase of Stock 0.04
growth rate
FCF 32.18
14.24
10.42
3.28
-3.52
growth rate -55.7% -26.9% -68.5% -100.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 53.54
53.15
53.58
53.15
55.17
growth rate -0.7% 0.8% -0.8% 3.8%
Op.Income 21.65
20.81
19.83
14.38
20.95
growth rate -3.9% -4.7% -27.5% 45.6%
IBT 18.42
20.75
18.88
13.44
20.02
growth rate 12.7% -9.0% -28.8% 48.9%
Net Income 14.69
16.68
17.14
10.68
15.79
growth rate 13.6% 2.7% -37.7% 47.8%
EPS
growth rate
Gross Profit 53.54
53.15
53.58
53.15
55.17
growth rate -0.7% 0.8% -0.8% 3.8%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (91.61)

YOY Growth Grade:

C (58.66)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.61 12.22 11.89
EPS / Growth 6.8% 2.91 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.8% 10.6% 10.6%
Future PE 11.89 15.59 15.59
Future EPS 5.63 7.99 7.99
Value Price
MOS %
16.54
-53.5%
30.80
-13.4%
30.80
-13.4%
MOS Price 8.27 15.40 15.40
IRT 8.74 7.68 7.68

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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