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MID-SOUTHERN BANCORP INC (MSVB) Stock Fundamental Analysis

NASDAQ:MSVB - Nasdaq - US59548Q1076 - Common Stock - Currency: USD

11.15  +0.46 (+4.3%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MSVB. MSVB was compared to 393 industry peers in the Banks industry. While MSVB seems to be doing ok healthwise, there are quite some concerns on its profitability. MSVB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year MSVB was profitable.
MSVB had a positive operating cash flow in the past year.
MSVB had positive earnings in each of the past 5 years.
In the past 5 years MSVB always reported a positive cash flow from operatings.
MSVB Yearly Net Income VS EBIT VS OCF VS FCFMSVB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 500K 1M 1.5M 2M 2.5M

1.2 Ratios

The Return On Assets of MSVB (0.66%) is worse than 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 RankSector 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
MSVB Yearly ROA, ROE, ROICMSVB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 1 2 3 4 5

1.3 Margins

MSVB's Profit Margin of 19.42% is on the low side compared to the rest of the industry. MSVB is outperformed by 81.30% of its industry peers.
MSVB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for MSVB so they could not be analyzed.
Industry RankSector 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
MSVB Yearly Profit, Operating, Gross MarginsMSVB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 5 10 15 20

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4

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.
MSVB Yearly Shares OutstandingMSVB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M
MSVB Yearly Total Debt VS Total AssetsMSVB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M 250M

2.2 Solvency

There is no outstanding debt for MSVB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC7.28%
MSVB Yearly LT Debt VS Equity VS FCFMSVB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MSVB Yearly Current Assets VS Current LiabilitesMSVB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 200K 400K 600K 800K 1M

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3

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.
MSVB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.17% yearly.
Looking at the last year, MSVB shows a quite strong growth in Revenue. The Revenue has grown by 10.05% in the last year.
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.
MSVB Yearly Revenue VS EstimatesMSVB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M 8M

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1

4. Valuation

4.1 Price/Earnings Ratio

MSVB is valuated rather expensively with a Price/Earnings ratio of 17.15.
MSVB's Price/Earnings ratio is rather expensive when compared to the industry. MSVB is more expensive than 88.97% of the companies in the same industry.
MSVB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.15
Fwd PE N/A
MSVB Price Earnings VS Forward Price EarningsMSVB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

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 RankSector Rank
P/FCF 15.11
EV/EBITDA N/A
MSVB Per share dataMSVB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.13
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

MSVB has a Yearly Dividend Yield of 2.43%.
MSVB's Dividend Yield is slightly below the industry average, which is at 3.41.
MSVB's Dividend Yield is comparable with the S&P500 average which is at 2.36.
Industry RankSector 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
MSVB Yearly Dividends per shareMSVB Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 0.05 0.1 0.15

5.3 Sustainability

30.96% of the earnings are spent on dividend by MSVB. This is a low number and sustainable payout ratio.
MSVB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.96%
EPS Next 2YN/A
EPS Next 3YN/A
MSVB Yearly Income VS Free CF VS DividendMSVB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 500K 1M 1.5M 2M
MSVB Dividend Payout.MSVB Dividend Payout, showing the Payout Ratio.MSVB Dividend Payout.PayoutRetained Earnings

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MID-SOUTHERN BANCORP INC

NASDAQ:MSVB (8/11/2023, 8:12:52 PM)

11.15

+0.46 (+4.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2023-07-24/bmo
Earnings (Next)10-23 2023-10-23/bmo
Inst Owners5.56%
Inst Owner Change0%
Ins Owners8.39%
Ins Owner Change0%
Market Cap34.01M
Analysts0
Price TargetN/A
Short Float %0.02%
Short Ratio0.08
Dividend
Industry RankSector Rank
Dividend Yield 2.43%
Yearly Dividend0.17
Dividend Growth(5Y)31.04%
DP30.96%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17.15
Fwd PE N/A
P/S 3.76
P/FCF 15.11
P/OCF 12.55
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)0.65
EY5.83%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.74
FCFY6.62%
OCF(TTM)0.89
OCFY7.97%
SpS2.96
BVpS11.46
TBVpS11.46
PEG (NY)N/A
PEG (5Y)1.13
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 5.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.42%
GM N/A
FCFM 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
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 3Y19.95%
PM growth 5Y3.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 239.58%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.28%
ROIC/WACCN/A
Cap/Depr(3y)141.04%
Cap/Depr(5y)105.81%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)131.71%
Profit Quality(5y)145.45%
High Growth Momentum
Growth
EPS 1Y (TTM)10.8%
EPS 3Y33.42%
EPS 5Y15.17%
EPS Q2Q%-24.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.05%
Revenue growth 3Y4.32%
Revenue growth 5Y5.95%
Sales Q2Q%4.26%
Revenue Next YearN/A
Revenue Next 2YN/A
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 1Y48.03%
FCF growth 3Y12.01%
FCF growth 5Y9.98%
OCF growth 1Y59.41%
OCF growth 3Y17.11%
OCF growth 5Y13.94%