Malvern Bancorp Inc (MLVF) Stock Fundamental Analysis

NASDAQ:MLVF • US5614091032

16.97 USD
+0.04 (+0.24%)
Last: Jul 14, 2023, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

MLVF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and financial health of MLVF have multiple concerns. While showing a medium growth rate, MLVF is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • MLVF had positive earnings in the past year.
  • In the past year MLVF had a positive cash flow from operations.
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 2016 2017 2018 2019 2020 2021 2022 0 5M 10M

1.2 Ratios

  • MLVF has a Return On Assets of 0.69%. This is amonst the worse of the industry: MLVF underperforms 81.58% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.66%, MLVF is doing worse than 92.58% of the companies in the same industry.
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 2016 2017 2018 2019 2020 2021 2022 0 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.70%, MLVF is doing worse than 75.36% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MLVF has remained more or less at the same level.
  • 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 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

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 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 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M 800M 1B

2.2 Solvency

  • The Debt to FCF ratio of MLVF is 6.57, which is on the high side as it means it would take MLVF, 6.57 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of MLVF (6.57) is worse than 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 (0.17) which is comparable to the rest of the industry.
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 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 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 437.04% over the past year.
  • The Earnings Per Share has been growing slightly by 0.42% on average over the past years.
  • The Revenue has been growing slightly by 3.26% in the past year.
  • The Revenue has been growing slightly by 3.47% on average over the past years.
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

  • MLVF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.38% yearly.
  • The Revenue is expected to grow by 3.30% on average over the next years.
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

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

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • MLVF is valuated rather expensively with a Price/Earnings ratio of 18.65.
  • Based on the Price/Earnings ratio, MLVF is valued expensively inside the industry as 89.95% of the companies are valued cheaper.
  • MLVF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.07.
  • MLVF is valuated correctly with a Price/Forward Earnings ratio of 16.00.
  • Based on the Price/Forward Earnings ratio, MLVF is valued a bit more expensive than 75.84% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MLVF to the average of the S&P500 Index (28.05), we can say MLVF is valued slightly 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

  • 89.23% of the companies in the same industry are cheaper than MLVF, based on the Price/Free Cash Flow ratio.
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

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
Earnings (Next)08-07
Inst Owners0.27%
Inst Owner Change0%
Ins Owners0.72%
Ins Owner Change0%
Market Cap126.43M
Revenue(TTM)31.73M
Net Income(TTM)6.89M
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
Graham NumberN/A
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
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 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%

Malvern Bancorp Inc / MLVF FAQ

What is the ChartMill fundamental rating of Malvern Bancorp Inc (MLVF) stock?

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


Can you provide the valuation status for Malvern Bancorp Inc?

ChartMill assigns a valuation rating of 1 / 10 to Malvern Bancorp Inc (MLVF). This can be considered as Overvalued.


How profitable is Malvern Bancorp Inc (MLVF) stock?

Malvern Bancorp Inc (MLVF) has a profitability rating of 2 / 10.


Can you provide the financial health for MLVF stock?

The financial health rating of Malvern Bancorp Inc (MLVF) is 1 / 10.


What is the earnings growth outlook for Malvern Bancorp Inc?

The Earnings per Share (EPS) of Malvern Bancorp Inc (MLVF) is expected to grow by 9.76% in the next year.