MID-SOUTHERN BANCORP INC (MSVB) Stock Fundamental Analysis

NASDAQ:MSVB • US59548Q1076

11.15 USD
+0.46 (+4.3%)
Last: Aug 11, 2023, 08:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

MSVB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. The financial health of MSVB is average, but there are quite some concerns on its profitability. MSVB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • MSVB had positive earnings in the past year.
  • In the past year MSVB had a positive cash flow from operations.
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

  • Looking at the Return On Assets, with a value of 0.66%, MSVB is doing worse than 81.77% of the companies in the same industry.
  • 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

  • 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.
  • In the last couple of years the Profit Margin of MSVB has grown nicely.
  • MSVB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
  • The number of shares outstanding for MSVB has been reduced compared to 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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.
  • Looking at the last year, MSVB shows a quite strong growth in Revenue. The Revenue has grown by 10.05% in the last year.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.15, the valuation of MSVB can be described as rather expensive.
  • Based on the Price/Earnings ratio, MSVB is valued more expensive than 88.97% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. MSVB is valued slightly cheaper when compared to this.
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

  • 82.49% of the companies in the same industry are cheaper than MSVB, based on the Price/Free Cash Flow ratio.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

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 2.74, MSVB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.81, MSVB pays a bit more dividend than the S&P500 average.
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
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 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%.