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Malvern Bancorp Inc (MLVF) Stock Fundamental Analysis

NASDAQ:MLVF - US5614091032 - Common Stock

16.97 USD
+0.04 (+0.24%)
Last: 7/14/2023, 8:00:02 PM
Fundamental Rating

2

Taking everything into account, MLVF scores 2 out of 10 in our fundamental rating. MLVF was compared to 395 industry peers in the Banks industry. MLVF has a bad profitability rating. Also its financial health evaluation is rather negative. MLVF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MLVF had positive earnings in the past year.
MLVF had a positive operating cash flow in the past year.
Of the past 5 years MLVF 4 years were profitable.
In the past 5 years MLVF always reported a positive cash flow from operatings.
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

With a Return On Assets value of 0.69%, MLVF is not doing good in the industry: 81.58% of the companies in the same industry are doing better.
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 2015 2016 2017 2018 2019 2020 2021 2022 0 2 4 6 8 10

1.3 Margins

MLVF's Profit Margin of 21.70% is on the low side compared to the rest of the industry. MLVF is outperformed by 75.36% of its industry peers.
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 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.
Compared to 1 year ago, MLVF has more shares outstanding
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.
Looking at the Debt to FCF ratio, with a value of 6.57, MLVF is doing worse than 76.79% of the companies in the same industry.
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 in line with 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.
MLVF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.42% yearly.
Looking at the last year, MLVF shows a small growth in Revenue. The Revenue has grown by 3.26% in the last year.
Measured over the past years, MLVF shows a small growth in Revenue. The Revenue has been growing by 3.47% on average per year.
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

The Earnings Per Share is expected to grow by 7.38% on average over the next years.
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

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.
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 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

A Price/Earnings ratio of 18.65 indicates a rather expensive valuation of MLVF.
MLVF's Price/Earnings ratio is rather expensive when compared to the industry. MLVF is more expensive than 89.95% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, MLVF is valued a bit cheaper.
With a Price/Forward Earnings ratio of 16.00, MLVF is valued correctly.
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.
The average S&P500 Price/Forward Earnings ratio is at 22.63. MLVF is valued slightly cheaper when compared to this.
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

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0

5. Dividend

5.1 Amount

No dividends for MLVF!.
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%