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HV Bancorp Inc (HVBC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:HVBC - US40441H1059 - Common Stock

34.6 USD
+0.01 (+0.03%)
Last: 6/16/2023, 8:00:02 PM
34.6 USD
0 (0%)
After Hours: 6/16/2023, 8:00:02 PM
Fundamental Rating

2

HVBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of HVBC have multiple concerns. 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.
HVBC had a positive operating cash flow in the past year.
Each year in the past 5 years HVBC has been profitable.
In multiple years HVBC reported negative operating cash flow during the last 5 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

HVBC's Return On Assets of 0.36% is on the low side compared to the rest of the industry. HVBC is outperformed by 91.98% of its industry peers.
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 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

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 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.
With a Debt to Equity ratio value of 0.23, HVBC is not doing good in the industry: 67.22% of the companies in the same industry are doing better.
Although HVBC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 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.
Looking at the last year, HVBC shows a decrease in Revenue. The Revenue has decreased by -2.97% in the last 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 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.
The average S&P500 Price/Earnings ratio is at 26.15. HVBC is valued slightly more expensive when compared to this.
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

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 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
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 NumberN/A
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 FAQ

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

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


Can you provide the valuation status for HV Bancorp Inc?

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.


Can you provide the PE and PB ratios for HVBC stock?

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