11.15 USD
+0.46 (+4.3%)
MSVB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While MSVB seems to be doing ok healthwise, there are quite some concerns on its profitability. MSVB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year MSVB was profitable.
- MSVB had a positive operating cash flow in the past year.
1.2 Ratios
- MSVB has a Return On Assets of 0.66%. This is amonst the worse of the industry: MSVB underperforms 81.77% of its industry peers.
- MSVB's Return On Equity of 5.02% is on the low side compared to the rest of the industry. MSVB is outperformed by 90.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.02% | ||
| ROIC | N/A |
ROA(3y)0.61%
ROA(5y)0.6%
ROE(3y)3.85%
ROE(5y)3.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- MSVB has a worse Profit Margin (19.42%) than 81.30% of its industry peers.
- In the last couple of years the Profit Margin of MSVB has grown nicely.
- The Operating Margin and Gross Margin are not available for MSVB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.42% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.95%
PM growth 5Y3.78%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- MSVB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, MSVB has less shares outstanding
- MSVB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- MSVB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MSVB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.80%, which is quite good.
- The Earnings Per Share has been growing by 15.17% on average over the past years. This is quite good.
- MSVB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.05%.
- The Revenue has been growing slightly by 5.95% on average over the past years.
EPS 1Y (TTM)10.8%
EPS 3Y33.42%
EPS 5Y15.17%
EPS Q2Q%-24.08%
Revenue 1Y (TTM)10.05%
Revenue growth 3Y4.32%
Revenue growth 5Y5.95%
Sales Q2Q%4.26%
3.2 Future
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
- MSVB is valuated rather expensively with a Price/Earnings ratio of 17.15.
- Compared to the rest of the industry, the Price/Earnings ratio of MSVB indicates a rather expensive valuation: MSVB more expensive than 88.97% of the companies listed in the same industry.
- MSVB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.15 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- MSVB's Price/Free Cash Flow ratio is rather expensive when compared to the industry. MSVB is more expensive than 82.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.13
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- MSVB has a Yearly Dividend Yield of 2.43%.
- Compared to an average industry Dividend Yield of 2.61, MSVB is paying slightly less dividend.
- MSVB's Dividend Yield is a higher than the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
5.2 History
- The dividend of MSVB is nicely growing with an annual growth rate of 31.04%!
- MSVB has been paying a dividend for over 5 years, so it has already some track record.
- MSVB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)31.04%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
- MSVB pays out 30.96% of its income as dividend. This is a sustainable payout ratio.
- The dividend of MSVB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP30.96%
EPS Next 2YN/A
EPS Next 3YN/A
MID-SOUTHERN BANCORP INC / MSVB FAQ
What is the fundamental rating for MSVB stock?
ChartMill assigns a fundamental rating of 3 / 10 to MSVB.
Can you provide the valuation status for MID-SOUTHERN BANCORP INC?
ChartMill assigns a valuation rating of 1 / 10 to MID-SOUTHERN BANCORP INC (MSVB). This can be considered as Overvalued.
How profitable is MID-SOUTHERN BANCORP INC (MSVB) stock?
MID-SOUTHERN BANCORP INC (MSVB) has a profitability rating of 3 / 10.
What is the valuation of MID-SOUTHERN BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MID-SOUTHERN BANCORP INC (MSVB) is 17.15 and the Price/Book (PB) ratio is 0.97.
Is the dividend of MID-SOUTHERN BANCORP INC sustainable?
The dividend rating of MID-SOUTHERN BANCORP INC (MSVB) is 4 / 10 and the dividend payout ratio is 30.96%.