CoverageForm 410-K10-Q8-K13D13G13F

BMTC · Bryn Mawr Bank Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Income Statement

Line itemFY 2020FY 2019FY 2018FY 2017FY 2016FY 2015
Revenue$0$0$0---
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$7.80M$7.80M$6.61M$5.55M$5.63M$2.83M
Operating Income$41.35M$74.80M$77.96M$57.25M$54.20M$25.93M
Interest Expense$23.89M$45.75M$31.58M$14.43M$10.76M$8.41M
Income Tax$8.86M$15.61M$14.16M$34.23M$18.17M$9.17M
Net Income$32.57M$59.21M$63.79M$23.02M$36.04M$16.75M
EPS - Basic$1.63$2.94$3.15$1.34$2.14$0.96
EPS - Diluted$1.63$2.93$3.13$1.32$2.12$0.94

Balance Sheet

Line itemFY 2020FY 2019FY 2018FY 2017FY 2016FY 2015
Cash & Equivalents$96.31M$53.93M$48.46M$60.02M$50.77M$143.07M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$5.43B$5.26B$4.65B$4.45B$3.42B$3.03B
Current Liabilities------
Long-term Debt------
Total Liabilities$4.81B$4.65B$4.09B$3.92B$3.04B$2.67B
Stockholders' Equity$623.09M$612.92M$565.39M$528.80M$381.13M$365.71M
Retained Earnings$296.94M$288.65M$250.23M$205.55M$196.57M$174.52M

Cash Flow

Line itemFY 2020FY 2019FY 2018FY 2017FY 2016FY 2015
Operating Cash Flow$71.28M$93.38M$79.23M$54.23M$54.23M$37.93M
Investing Cash Flow($99.85M)($543.38M)($220.22M)($497.44M)($497.44M)($130.69M)
Financing Cash Flow$70.96M$455.47M$129.41M$350.91M$350.91M$16.56M
CapEx$1.35M$7.19M$19.43M$8.30M$2.21M$7.61M
Free Cash Flow$69.93M$86.19M$59.81M$45.92M$52.02M$30.32M

Ratios

MetricFY 2020FY 2019FY 2018FY 2017FY 2016FY 2015
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income2.151.460.942.001.441.81
R&D / Revenue------
SG&A / Revenue------
Effective tax rate21.4%20.9%18.2%59.8%33.5%35.4%
Return on assets0.6%1.1%1.4%0.5%1.1%0.6%
Return on equity5.2%9.7%11.3%4.4%9.5%4.6%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage1.7x1.6x2.5x4.0x5.0x3.1x
Equity multiplier8.728.598.238.418.988.29
Liabilities / Assets0.890.880.880.880.890.88
Efficiency
Asset turnover0.000.000.00---
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E------
P / B------
P / S------
EV / EBITDA------
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)-44.7%-4.0%36.2%5.6%109.1%-39.5%
Net income growth (YoY)-45.0%-7.2%177.2%-36.1%115.1%-39.8%
EPS growth (YoY)-44.4%-6.4%137.1%-37.7%125.5%-53.2%
EPS CAGR (3y)7.3%11.4%49.3%-13.1%5.6%-16.2%
EPS CAGR (5y)11.6%7.8%11.7%-3.8%12.4%-
FCF growth (YoY)-18.9%44.1%30.2%-11.7%71.6%11.5%
FCF CAGR (5y)18.2%26.0%10.5%9.9%21.4%-
Book value growth (YoY)1.7%8.4%6.9%38.7%4.2%49.0%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2020-12-31.

Business segments

$0 total
Wealth Management$622.0K · 0.0%
Banking1($622.0K) · 0.0%

Stability scores

Piotroski F-score

FY 2020 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

Comparing BRYN MAWR BANK CORP against the 5 most active filers in the same SIC group.