Malvern Bancorp Inc (MLVF)
US5614091032 - Common Stock
Taking everything into account, MLVF scores 2 out of 10 in our fundamental rating. MLVF was compared to 411 industry peers in the Banks industry. Both the profitability and financial health of MLVF have multiple concerns. MLVF is quite expensive at the moment. It does show a decent growth rate.
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.
Of the past 5 years MLVF 4 years were profitable.
Each year in the past 5 years MLVF had a positive operating cash flow.
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.
MLVF has a Return On Equity of 4.66%. This is amonst the worse of the industry: MLVF underperforms 92.58% of its industry peers.
| Industry Rank | Sector 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
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.
The Operating Margin and Gross Margin are not available for MLVF so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
MLVF does not have a ROIC to compare to the WACC, probably because it is not profitable.
MLVF has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, MLVF has more shares outstanding
Compared to 1 year ago, MLVF has a worse debt to assets ratio.
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.
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.
A Debt/Equity ratio of 0.17 indicates that MLVF is not too dependend on debt financing.
MLVF has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 6.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MLVF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 437.04%, which is quite impressive.
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 growth Q2Q14.29%
Revenue 1Y (TTM)3.26%
Revenue growth 3Y-0.03%
Revenue growth 5Y3.47%
Revenue growth 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.
4. Valuation
4.1 Price/Earnings Ratio
MLVF is valuated rather expensively with a Price/Earnings ratio of 18.65.
89.95% of the companies in the same industry are cheaper than MLVF, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.53. MLVF is valued slightly cheaper when compared to this.
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.
MLVF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| Fwd PE | 16 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MLVF indicates a rather expensive valuation: MLVF more expensive than 89.23% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.21 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
MLVF does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Malvern Bancorp Inc
NASDAQ:MLVF (7/14/2023, 7:00:02 PM)
16.97
+0.04 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap126.43M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 | 18.65 | ||
| Fwd PE | 16 | ||
| 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)1.91
PEG (5Y)44.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 4.66% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.7% | ||
| 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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| 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)437.04%
EPS 3Y-9.23%
EPS 5Y
EPS growth Q2Q
EPS Next Y9.76%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.26%
Revenue growth 3Y-0.03%
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