HV Bancorp Inc (HVBC)
US40441H1059 - Common Stock
We assign a fundamental rating of 2 out of 10 to HVBC. HVBC was compared to 412 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.
In the past 5 years HVBC has always been profitable.
In multiple years HVBC reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.36%, HVBC is doing worse than 91.98% of the companies in the same industry.
HVBC has a Return On Equity of 5.16%. This is amonst the worse of the industry: HVBC underperforms 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.
The Operating Margin and Gross Margin are not available for HVBC so they could not be analyzed.
| 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.
Compared to 1 year ago, HVBC has more shares outstanding
HVBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, HVBC has an improved debt to assets ratio.
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.
HVBC has a better Debt to FCF ratio (0.59) than 79.48% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that HVBC is not too dependend on debt financing.
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
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.
The Revenue has decreased by -2.97% in the past year.
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 growth Q2Q-2.9%
Revenue 1Y (TTM)-2.97%
Revenue growth 3Y29.09%
Revenue growth 5Y22.26%
Revenue growth 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
HVBC is valuated quite expensively with a Price/Earnings ratio of 32.34.
HVBC's Price/Earnings ratio is rather expensive when compared to the industry. HVBC is more expensive than 91.75% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.28. HVBC is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.34 | ||
| Fwd PE | N/A |
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 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
No dividends for HVBC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
HV Bancorp Inc
NASDAQ:HVBC (6/16/2023, 7:00:02 PM)
After market: 34.6 0 (0%)34.6
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap77.41M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.34 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.36% | ||
| ROE | 5.16% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 8.44% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-34.58%
EPS 3Y34.96%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.97%
Revenue growth 3Y29.09%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y