MID-SOUTHERN BANCORP INC (MSVB)
US59548Q1076 - Common Stock
Taking everything into account, MSVB scores 3 out of 10 in our fundamental rating. MSVB was compared to 412 industry peers in the Banks industry. MSVB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. MSVB does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
MSVB had positive earnings in the past year.
MSVB had a positive operating cash flow in the past year.
MSVB had positive earnings in each of the past 5 years.
Each year in the past 5 years MSVB had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.66%, MSVB is not doing good in the industry: 81.77% of the companies in the same industry are doing better.
With a Return On Equity value of 5.02%, MSVB is not doing good in the industry: 90.65% of the companies in the same industry are doing better.
| 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
With a Profit Margin value of 19.42%, MSVB is not doing good in the industry: 81.30% of the companies in the same industry are doing better.
MSVB's Profit Margin has improved in the last couple of years.
MSVB 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) | 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.
MSVB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MSVB has less shares outstanding
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.
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 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
The Earnings Per Share has grown by an nice 10.80% over the past year.
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%.
Measured over the past years, MSVB shows a small growth in Revenue. The Revenue has been growing by 5.95% on average per year.
EPS 1Y (TTM)10.8%
EPS 3Y33.42%
EPS 5Y15.17%
EPS growth Q2Q-24.08%
Revenue 1Y (TTM)10.05%
Revenue growth 3Y4.32%
Revenue growth 5Y5.95%
Revenue growth Q2Q4.26%
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
A Price/Earnings ratio of 17.15 indicates a rather expensive valuation of MSVB.
88.97% of the companies in the same industry are cheaper than MSVB, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.02. MSVB is valued slightly cheaper when compared to this.
| 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
With a Yearly Dividend Yield of 2.43%, MSVB has a reasonable but not impressive dividend return.
MSVB's Dividend Yield is slightly below the industry average, which is at 3.76.
Compared to an average S&P500 Dividend Yield of 2.40, MSVB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
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
MID-SOUTHERN BANCORP INC
NASDAQ:MSVB (8/11/2023, 7:12:52 PM)
11.15
+0.46 (+4.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap34.01M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.43% |
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 | 17.15 | ||
| Fwd PE | N/A | ||
| 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)N/A
PEG (5Y)1.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.02% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.42% | ||
| 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 | ||
| 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)10.8%
EPS 3Y33.42%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.05%
Revenue growth 3Y4.32%
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