34.6 USD
+0.01 (+0.03%)
34.6 USD
0 (0%)
Overall HVBC gets a fundamental rating of 2 out of 10. We evaluated HVBC against 383 industry peers in the Banks industry. HVBC has a bad profitability rating. Also its financial health evaluation is rather negative. HVBC does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year HVBC was profitable.
- In the past year HVBC had a positive cash flow from operations.
1.2 Ratios
- HVBC has a worse Return On Assets (0.36%) than 91.98% of its industry peers.
- HVBC has a worse Return On Equity (5.16%) than 90.57% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 8.44%, HVBC is doing worse than 92.92% of the companies in the same industry.
- In the last couple of years the Profit Margin of HVBC has grown nicely.
- HVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- HVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- HVBC has more shares outstanding than it did 1 year ago.
- HVBC has a better debt/assets ratio than last year.
2.2 Solvency
- HVBC has a debt to FCF ratio of 0.59. This is a very positive value and a sign of high solvency as it would only need 0.59 years to pay back of all of its debts.
- HVBC has a Debt to FCF ratio of 0.59. This is in the better half of the industry: HVBC outperforms 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 has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: HVBC underperforms 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- HVBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -34.58%.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 32.34, HVBC can be considered very expensive at the moment.
- 91.75% of the companies in the same industry are cheaper than HVBC, based on the Price/Earnings ratio.
- HVBC is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.34 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- HVBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HVBC is cheaper than 75.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.39
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HVBC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
HV Bancorp Inc / HVBC 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.
How profitable is HV Bancorp Inc (HVBC) stock?
HV Bancorp Inc (HVBC) has a profitability rating of 1 / 10.
How financially healthy is HV Bancorp Inc?
The financial health rating of HV Bancorp Inc (HVBC) is 1 / 10.
How sustainable is the dividend of HV Bancorp Inc (HVBC) stock?
The dividend rating of HV Bancorp Inc (HVBC) is 0 / 10 and the dividend payout ratio is 0%.