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HV Bancorp Inc (HVBC) Stock Fundamental Analysis

NASDAQ:HVBC - Nasdaq - US40441H1059 - Common Stock - Currency: USD

34.6  +0.01 (+0.03%)

After market: 34.6 0 (0%)

Fundamental Rating

2

HVBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. HVBC may be in some trouble as it scores bad on both profitability and health. HVBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

HVBC had positive earnings in the past year.
In the past year HVBC had a positive cash flow from operations.
Each year in the past 5 years HVBC has been profitable.
The reported operating cash flow has been mixed in the past 5 years: HVBC reported negative operating cash flow in multiple years.
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 2015 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M

1.2 Ratios

The Return On Assets of HVBC (0.36%) is worse than 91.98% of its industry peers.
With a Return On Equity value of 5.16%, HVBC is not doing good in the industry: 90.57% of the companies in the same industry are doing better.
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 2015 2016 2017 2018 2019 2020 2021 2022 5 10

1.3 Margins

HVBC's Profit Margin of 8.44% is on the low side compared to the rest of the industry. HVBC is outperformed by 92.92% of its industry peers.
HVBC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for HVBC so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15 20

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3

2. Health

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
The debt/assets ratio for HVBC has been reduced compared to a year ago.
HVBC Yearly Shares OutstandingHVBC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
The Debt to FCF ratio of HVBC (0.59) is better than 79.48% of its industry peers.
HVBC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
HVBC's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. HVBC is outperformed by 67.22% of its industry peers.
Even though the debt/equity ratio score it not favorable for HVBC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

The earnings per share for HVBC have decreased strongly by -34.58% in the last year.
The Earnings Per Share has been growing by 13.55% on average over the past years. This is quite good.
HVBC shows a decrease in Revenue. In the last year, the revenue decreased by -2.97%.
Measured over the past years, HVBC shows a very strong growth in Revenue. The Revenue has been growing by 22.26% on average per year.
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. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 32.34, the valuation of HVBC can be described as expensive.
Based on the Price/Earnings ratio, HVBC is valued expensively inside the industry as 91.75% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of HVBC to the average of the S&P500 Index (26.52), we can say HVBC is valued slightly more expensively.
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

Based on the Price/Free Cash Flow ratio, HVBC is valued a bit cheaper than the industry average as 75.24% of the companies are valued more expensively.
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

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0

5. Dividend

5.1 Amount

No dividends for HVBC!.
Industry RankSector Rank
Dividend Yield N/A

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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
Earnings (Last)05-05 2023-05-05/amc
Earnings (Next)08-03 2023-08-03/amc
Inst Owners0.21%
Inst Owner Change0%
Ins Owners2.01%
Ins Owner Change0%
Market Cap77.41M
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
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
ROICexcg growth 3YN/A
ROICexcg 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%