HV Bancorp Inc (HVBC) Fundamental Analysis & Valuation

NASDAQ:HVBC • US40441H1059

Current stock price

34.6 USD
+0.01 (+0.03%)
At close:
34.6 USD
0 (0%)
After Hours:

This HVBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. HVBC Profitability Analysis

1.1 Basic Checks

  • In the past year HVBC was profitable.
  • HVBC had a positive operating cash flow in the past year.
HVBC Yearly Net Income VS EBIT VS OCF VS FCFHVBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M

1.2 Ratios

  • With a Return On Assets value of 0.36%, HVBC is not doing good in the industry: 91.98% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 5.16%, HVBC is doing worse than 90.57% of the companies in the same industry.
Industry RankSector Rank
ROA 0.36%
ROE 5.16%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.45%
ROE(3y)9.88%
ROE(5y)6.97%
ROIC(3y)N/A
ROIC(5y)N/A
HVBC Yearly ROA, ROE, ROICHVBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 5 10

1.3 Margins

  • With a Profit Margin value of 8.44%, HVBC is not doing good in the industry: 92.92% of the companies in the same industry are doing better.
  • HVBC's Profit Margin has improved in the last couple of years.
  • HVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 8.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.61%
PM growth 5Y7.45%
GM growth 3YN/A
GM growth 5YN/A
HVBC Yearly Profit, Operating, Gross MarginsHVBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 5 10 15 20

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3

2. HVBC Health Analysis

2.1 Basic Checks

  • HVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, HVBC has more shares outstanding
  • HVBC has a better debt/assets ratio than last year.
HVBC Yearly Shares OutstandingHVBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 500K 1M 1.5M 2M
HVBC Yearly Total Debt VS Total AssetsHVBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M 800M

2.2 Solvency

  • The Debt to FCF ratio of HVBC is 0.59, which is an excellent value as it means it would take HVBC, only 0.59 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.59, HVBC is in the better half of the industry, outperforming 79.48% of the companies in the same industry.
  • HVBC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.23, HVBC is doing worse than 67.22% of the companies in the same industry.
  • Although HVBC's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.59
Altman-Z N/A
ROIC/WACCN/A
WACC8.19%
HVBC Yearly LT Debt VS Equity VS FCFHVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HVBC Yearly Current Assets VS Current LiabilitesHVBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. HVBC Growth Analysis

3.1 Past

  • The earnings per share for HVBC have decreased strongly by -34.58% in the last year.
  • HVBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.55% yearly.
  • Looking at the last year, HVBC shows a decrease in Revenue. The Revenue has decreased by -2.97% in the last year.
  • The Revenue has been growing by 22.26% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-34.58%
EPS 3Y34.96%
EPS 5Y13.55%
EPS Q2Q%-2.9%
Revenue 1Y (TTM)-2.97%
Revenue growth 3Y29.09%
Revenue growth 5Y22.26%
Sales Q2Q%-2.97%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
HVBC Yearly Revenue VS EstimatesHVBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M 25M

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1

4. HVBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 32.34, which means the current valuation is very expensive for HVBC.
  • Based on the Price/Earnings ratio, HVBC is valued expensively inside the industry as 91.75% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, HVBC is valued a bit more expensive.
Industry RankSector Rank
PE 32.34
Fwd PE N/A
HVBC Price Earnings VS Forward Price EarningsHVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 75.24% of the companies in the same industry are more expensive than HVBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.55
EV/EBITDA N/A
HVBC Per share dataHVBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.39
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. HVBC Dividend Analysis

5.1 Amount

  • HVBC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

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HVBC Fundamentals: All Metrics, Ratios and Statistics

HV Bancorp Inc

NASDAQ:HVBC (6/16/2023, 8:00:02 PM)

After market: 34.6 0 (0%)

34.6

+0.01 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.93
Earnings (Last)05-05
Earnings (Next)08-03
Inst Owners0.21%
Inst Owner Change0%
Ins Owners2.01%
Ins Owner Change0%
Market Cap77.41M
Revenue(TTM)26.52M
Net Income(TTM)2.24M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.48
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 32.34
Fwd PE N/A
P/S 2.92
P/FCF 4.55
P/OCF 4.52
P/B 1.78
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)1.07
EY3.09%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)7.61
FCFY21.99%
OCF(TTM)7.66
OCFY22.12%
SpS11.85
BVpS19.39
TBVpS19.29
PEG (NY)N/A
PEG (5Y)2.39
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA 0.36%
ROE 5.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.44%
GM N/A
FCFM N/A
ROA(3y)0.58%
ROA(5y)0.45%
ROE(3y)9.88%
ROE(5y)6.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.61%
PM growth 5Y7.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.59
Debt/EBITDA N/A
Cap/Depr 16.96%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 760.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.19%
ROIC/WACCN/A
Cap/Depr(3y)99.29%
Cap/Depr(5y)122.91%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-34.58%
EPS 3Y34.96%
EPS 5Y13.55%
EPS Q2Q%-2.9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.97%
Revenue growth 3Y29.09%
Revenue growth 5Y22.26%
Sales Q2Q%-2.97%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y213.16%
FCF growth 3YN/A
FCF growth 5Y19.7%
OCF growth 1Y222.15%
OCF growth 3YN/A
OCF growth 5Y19.07%

HV Bancorp Inc / HVBC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HV Bancorp Inc (HVBC) stock?

ChartMill assigns a fundamental rating of 2 / 10 to HVBC.


What is the valuation status of HV Bancorp Inc (HVBC) stock?

ChartMill assigns a valuation rating of 1 / 10 to HV Bancorp Inc (HVBC). This can be considered as Overvalued.


Can you provide the profitability details for HV Bancorp Inc?

HV Bancorp Inc (HVBC) has a profitability rating of 1 / 10.


What are the PE and PB ratios of HV Bancorp Inc (HVBC) stock?

The Price/Earnings (PE) ratio for HV Bancorp Inc (HVBC) is 32.34 and the Price/Book (PB) ratio is 1.78.


How financially healthy is HV Bancorp Inc?

The financial health rating of HV Bancorp Inc (HVBC) is 1 / 10.