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Malvern Bancorp Inc (MLVF) Stock Fundamental Analysis

NASDAQ:MLVF - Nasdaq - US5614091032 - Common Stock - Currency: USD

16.97  +0.04 (+0.24%)

Fundamental Rating

2

Overall MLVF gets a fundamental rating of 2 out of 10. We evaluated MLVF against 396 industry peers in the Banks industry. MLVF has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, MLVF is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year MLVF was profitable.
In the past year MLVF had a positive cash flow from operations.
MLVF had positive earnings in 4 of the past 5 years.
MLVF had a positive operating cash flow in each of the past 5 years.
MLVF Yearly Net Income VS EBIT VS OCF VS FCFMLVF 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 5M 10M

1.2 Ratios

MLVF has a worse Return On Assets (0.69%) than 81.58% of its industry peers.
MLVF's Return On Equity of 4.66% is on the low side compared to the rest of the industry. MLVF is outperformed by 92.58% of its industry peers.
Industry RankSector Rank
ROA 0.69%
ROE 4.66%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MLVF Yearly ROA, ROE, ROICMLVF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 2 4 6 8 10

1.3 Margins

The Profit Margin of MLVF (21.70%) is worse than 75.36% of its industry peers.
MLVF's Profit Margin has been stable in the last couple of years.
MLVF 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) 21.7%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.32%
PM growth 5Y0.14%
GM growth 3YN/A
GM growth 5YN/A
MLVF Yearly Profit, Operating, Gross MarginsMLVF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

MLVF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MLVF has been increased compared to 1 year ago.
The debt/assets ratio for MLVF is higher compared to a year ago.
MLVF Yearly Shares OutstandingMLVF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M
MLVF Yearly Total Debt VS Total AssetsMLVF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M 800M 1B

2.2 Solvency

MLVF has a debt to FCF ratio of 6.57. This is a slightly negative value and a sign of low solvency as MLVF would need 6.57 years to pay back of all of its debts.
MLVF's Debt to FCF ratio of 6.57 is on the low side compared to the rest of the industry. MLVF is outperformed by 76.79% of its industry peers.
MLVF has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
MLVF has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: MLVF outperforms 44.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.57
Altman-Z N/A
ROIC/WACCN/A
WACC6.44%
MLVF Yearly LT Debt VS Equity VS FCFMLVF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MLVF Yearly Current Assets VS Current LiabilitesMLVF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 437.04% over the past year.
Measured over the past 5 years, MLVF shows a small growth in Earnings Per Share. The EPS has been growing by 0.42% on average per year.
MLVF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.26%.
MLVF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.47% yearly.
EPS 1Y (TTM)437.04%
EPS 3Y-9.23%
EPS 5Y0.42%
EPS Q2Q%14.29%
Revenue 1Y (TTM)3.26%
Revenue growth 3Y-0.03%
Revenue growth 5Y3.47%
Sales Q2Q%-3.37%

3.2 Future

Based on estimates for the next years, MLVF will show a small growth in Earnings Per Share. The EPS will grow by 7.38% on average per year.
Based on estimates for the next years, MLVF will show a small growth in Revenue. The Revenue will grow by 3.30% on average per year.
EPS Next Y9.76%
EPS Next 2Y7.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.98%
Revenue Next 2Y3.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MLVF Yearly Revenue VS EstimatesMLVF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
MLVF Yearly EPS VS EstimatesMLVF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0.5 1 1.5

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1

4. Valuation

4.1 Price/Earnings Ratio

MLVF is valuated rather expensively with a Price/Earnings ratio of 18.65.
Compared to the rest of the industry, the Price/Earnings ratio of MLVF indicates a rather expensive valuation: MLVF more expensive than 89.95% of the companies listed in the same industry.
MLVF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.68.
The Price/Forward Earnings ratio is 16.00, which indicates a correct valuation of MLVF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MLVF indicates a slightly more expensive valuation: MLVF is more expensive than 75.84% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.50, MLVF is valued a bit cheaper.
Industry RankSector Rank
PE 18.65
Fwd PE 16
MLVF Price Earnings VS Forward Price EarningsMLVF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MLVF is valued more expensive than 89.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 33.21
EV/EBITDA N/A
MLVF Per share dataMLVF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.91
PEG (5Y)44.7
EPS Next 2Y7.38%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

MLVF does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Malvern Bancorp Inc

NASDAQ:MLVF (7/14/2023, 8:00:02 PM)

16.97

+0.04 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-12 2023-05-12/amc
Earnings (Next)08-07 2023-08-07/amc
Inst Owners0.27%
Inst Owner Change0%
Ins Owners0.72%
Ins Owner Change0%
Market Cap126.43M
Analysts43.33
Price Target19.38 (14.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-37.56%
Min EPS beat(2)-65.9%
Max EPS beat(2)-9.22%
EPS beat(4)2
Avg EPS beat(4)-14.47%
Min EPS beat(4)-65.9%
Max EPS beat(4)14.94%
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)0
Avg Revenue beat(2)-5.61%
Min Revenue beat(2)-10.74%
Max Revenue beat(2)-0.48%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-10.74%
Max Revenue beat(4)5.64%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 18.65
Fwd PE 16
P/S 3.98
P/FCF 33.21
P/OCF 31.82
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)0.91
EY5.36%
EPS(NY)1.06
Fwd EY6.25%
FCF(TTM)0.51
FCFY3.01%
OCF(TTM)0.53
OCFY3.14%
SpS4.26
BVpS19.86
TBVpS19.86
PEG (NY)1.91
PEG (5Y)44.7
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 4.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.7%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y-9.32%
PM growth 5Y0.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.57
Debt/EBITDA N/A
Cap/Depr 27.9%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 55.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.44%
ROIC/WACCN/A
Cap/Depr(3y)27.16%
Cap/Depr(5y)37.88%
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)437.04%
EPS 3Y-9.23%
EPS 5Y0.42%
EPS Q2Q%14.29%
EPS Next Y9.76%
EPS Next 2Y7.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.26%
Revenue growth 3Y-0.03%
Revenue growth 5Y3.47%
Sales Q2Q%-3.37%
Revenue Next Year3.98%
Revenue Next 2Y3.3%
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 1Y-54.73%
FCF growth 3Y-16.46%
FCF growth 5Y-6.72%
OCF growth 1Y-53.96%
OCF growth 3Y-16.79%
OCF growth 5Y-9.71%