MID-SOUTHERN BANCORP INC (MSVB) Fundamental Analysis & Valuation

NASDAQ:MSVB • US59548Q1076

Current stock price

11.15 USD
+0.46 (+4.3%)
Last:

This MSVB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. MSVB Profitability Analysis

1.1 Basic Checks

  • MSVB had positive earnings in the past year.
  • MSVB had a positive operating cash flow in the past year.
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

  • MSVB's Return On Assets of 0.66% is on the low side compared to the rest of the industry. MSVB is outperformed by 81.77% of its industry peers.
  • MSVB has a worse Return On Equity (5.02%) than 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 has a Profit Margin of 19.42%. This is amonst the worse of the industry: MSVB underperforms 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. MSVB Health Analysis

2.1 Basic Checks

  • MSVB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • MSVB has less shares outstanding than it did 1 year ago.
  • 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.
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. MSVB Growth Analysis

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.
  • MSVB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.05%.
  • MSVB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.95% yearly.
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. MSVB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.15, the valuation of MSVB can be described as rather expensive.
  • 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 is valuated rather cheaply when we compare the Price/Earnings ratio to 25.51, 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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5

5. MSVB Dividend Analysis

5.1 Amount

  • MSVB has a Yearly Dividend Yield of 2.43%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, MSVB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, MSVB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.43%

5.2 History

  • On average, the dividend of MSVB grows each year by 31.04%, which is quite nice.
  • 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.
  • 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
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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MSVB Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)10-23
Inst Owners5.56%
Inst Owner Change0%
Ins Owners8.39%
Ins Owner Change0%
Market Cap34.01M
Revenue(TTM)9.03M
Net Income(TTM)1.75M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
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
Graham NumberN/A
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
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 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%

MID-SOUTHERN BANCORP INC / MSVB Fundamental Analysis FAQ

What is the fundamental rating for MSVB stock?

ChartMill assigns a fundamental rating of 3 / 10 to MSVB.


What is the valuation status of MID-SOUTHERN BANCORP INC (MSVB) stock?

ChartMill assigns a valuation rating of 1 / 10 to MID-SOUTHERN BANCORP INC (MSVB). This can be considered as Overvalued.


Can you provide the profitability details for MID-SOUTHERN BANCORP INC?

MID-SOUTHERN BANCORP INC (MSVB) has a profitability rating of 3 / 10.


What is the financial health of MID-SOUTHERN BANCORP INC (MSVB) stock?

The financial health rating of MID-SOUTHERN BANCORP INC (MSVB) is 5 / 10.


Can you provide the dividend sustainability for MSVB stock?

The dividend rating of MID-SOUTHERN BANCORP INC (MSVB) is 4 / 10 and the dividend payout ratio is 30.96%.