Malvern Bancorp Inc (MLVF) Stock Fundamental Analysis
USA - NASDAQ:MLVF - US5614091032 - Common Stock
16.97 USD
+0.04 (+0.24%)
We assign a fundamental rating of 2 out of 10 to MLVF. MLVF was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of MLVF have multiple concerns. MLVF is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In the past 5 years MLVF always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.69%, MLVF is doing worse than 81.58% of the companies in the same industry.
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 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
MLVF has a Profit Margin of 21.70%. This is in the lower half of the industry: MLVF underperforms 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 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.
The debt/assets ratio for MLVF is higher compared to a year ago.
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 has a worse Debt to FCF ratio (6.57) than 76.79% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that MLVF is not too dependend on debt financing.
The Debt to Equity ratio of MLVF (0.17) 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
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.
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
The Earnings Per Share is expected to grow by 7.38% on average over the next years.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 18.65, which indicates a rather expensive current valuation of MLVF.
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 26.06.
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.
MLVF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| Fwd PE | 16 |
4.2 Price Multiples
MLVF's Price/Free Cash Flow ratio is rather expensive when compared to the industry. MLVF is more expensive than 89.23% of the companies 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 MLVF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.91
PEG (5Y)44.7
EPS Next 2Y7.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for MLVF!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.
What is the valuation status for MLVF stock?
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.
What is the valuation of Malvern Bancorp Inc based on its PE and PB ratios?
The Price/Earnings (PE) ratio for Malvern Bancorp Inc (MLVF) is 18.65 and the Price/Book (PB) ratio is 0.85.
Can you provide the financial health for MLVF stock?
The financial health rating of Malvern Bancorp Inc (MLVF) is 1 / 10.