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Malvern Bancorp Inc (MLVF) Stock Fundamental Analysis

NASDAQ:MLVF - Nasdaq - US5614091032 - Common Stock - Currency: USD

16.97  +0.04 (+0.24%)

Fundamental Rating

2

Overall MLVF gets a fundamental rating of 2 out of 10. We evaluated MLVF against 405 industry peers in the Banks industry. Both the profitability and financial health of MLVF have multiple concerns. MLVF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year MLVF was profitable.
In the past year MLVF had a positive cash flow from operations.
Of the past 5 years MLVF 4 years were profitable.
MLVF had a positive operating cash flow in each of the past 5 years.
MLVF Yearly Net Income VS EBIT VS OCF VS FCFMLVF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 5M 10M

1.2 Ratios

MLVF has a worse Return On Assets (0.69%) than 81.58% of its industry peers.
Looking at the Return On Equity, with a value of 4.66%, MLVF is doing worse than 92.58% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 4.66%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MLVF Yearly ROA, ROE, ROICMLVF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 2 4 6 8 10

1.3 Margins

MLVF's Profit Margin of 21.70% is on the low side compared to the rest of the industry. MLVF is outperformed by 75.36% of its industry peers.
In the last couple of years the Profit Margin of MLVF has remained more or less at the same level.
MLVF 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) 21.7%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.32%
PM growth 5Y0.14%
GM growth 3YN/A
GM growth 5YN/A
MLVF Yearly Profit, Operating, Gross MarginsMLVF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

MLVF does not have a ROIC to compare to the WACC, probably because it is not profitable.
MLVF has more shares outstanding than it did 1 year ago.
MLVF has a worse debt/assets ratio than last year.
MLVF Yearly Shares OutstandingMLVF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M
MLVF Yearly Total Debt VS Total AssetsMLVF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M 800M 1B

2.2 Solvency

MLVF has a debt to FCF ratio of 6.57. This is a slightly negative value and a sign of low solvency as MLVF would need 6.57 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.57, MLVF is doing worse than 76.79% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that MLVF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, MLVF is in line with its industry, outperforming 44.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.57
Altman-Z N/A
ROIC/WACCN/A
WACC6.44%
MLVF Yearly LT Debt VS Equity VS FCFMLVF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MLVF Yearly Current Assets VS Current LiabilitesMLVF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 437.04% over the past year.
MLVF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.42% yearly.
MLVF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.26%.
The Revenue has been growing slightly by 3.47% on average over the past years.
EPS 1Y (TTM)437.04%
EPS 3Y-9.23%
EPS 5Y0.42%
EPS Q2Q%14.29%
Revenue 1Y (TTM)3.26%
Revenue growth 3Y-0.03%
Revenue growth 5Y3.47%
Sales Q2Q%-3.37%

3.2 Future

Based on estimates for the next years, MLVF will show a small growth in Earnings Per Share. The EPS will grow by 7.38% on average per year.
Based on estimates for the next years, MLVF will show a small growth in Revenue. The Revenue will grow by 3.30% on average per year.
EPS Next Y9.76%
EPS Next 2Y7.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.98%
Revenue Next 2Y3.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MLVF Yearly Revenue VS EstimatesMLVF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
MLVF Yearly EPS VS EstimatesMLVF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0.5 1 1.5

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.65, MLVF is valued on the expensive side.
MLVF's Price/Earnings ratio is rather expensive when compared to the industry. MLVF is more expensive than 89.95% of the companies in the same industry.
When comparing the Price/Earnings ratio of MLVF to the average of the S&P500 Index (29.63), we can say MLVF is valued slightly cheaper.
With a Price/Forward Earnings ratio of 16.00, MLVF is valued correctly.
Based on the Price/Forward Earnings ratio, MLVF is valued a bit more expensive than the industry average as 75.84% of the companies are valued more cheaply.
MLVF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 18.65
Fwd PE 16
MLVF Price Earnings VS Forward Price EarningsMLVF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MLVF is valued expensively inside the industry as 89.23% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 33.21
EV/EBITDA N/A
MLVF Per share dataMLVF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.91
PEG (5Y)44.7
EPS Next 2Y7.38%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for MLVF!.
Industry RankSector Rank
Dividend Yield 0%

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Malvern Bancorp Inc

NASDAQ:MLVF (7/14/2023, 8:00:02 PM)

16.97

+0.04 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-12 2023-05-12/amc
Earnings (Next)08-07 2023-08-07/amc
Inst Owners0.27%
Inst Owner Change0%
Ins Owners0.72%
Ins Owner Change0%
Market Cap126.43M
Analysts43.33
Price Target19.38 (14.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-37.56%
Min EPS beat(2)-65.9%
Max EPS beat(2)-9.22%
EPS beat(4)2
Avg EPS beat(4)-14.47%
Min EPS beat(4)-65.9%
Max EPS beat(4)14.94%
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)0
Avg Revenue beat(2)-5.61%
Min Revenue beat(2)-10.74%
Max Revenue beat(2)-0.48%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-10.74%
Max Revenue beat(4)5.64%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 18.65
Fwd PE 16
P/S 3.98
P/FCF 33.21
P/OCF 31.82
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)0.91
EY5.36%
EPS(NY)1.06
Fwd EY6.25%
FCF(TTM)0.51
FCFY3.01%
OCF(TTM)0.53
OCFY3.14%
SpS4.26
BVpS19.86
TBVpS19.86
PEG (NY)1.91
PEG (5Y)44.7
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 4.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.7%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y-9.32%
PM growth 5Y0.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.57
Debt/EBITDA N/A
Cap/Depr 27.9%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 55.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.44%
ROIC/WACCN/A
Cap/Depr(3y)27.16%
Cap/Depr(5y)37.88%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)437.04%
EPS 3Y-9.23%
EPS 5Y0.42%
EPS Q2Q%14.29%
EPS Next Y9.76%
EPS Next 2Y7.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.26%
Revenue growth 3Y-0.03%
Revenue growth 5Y3.47%
Sales Q2Q%-3.37%
Revenue Next Year3.98%
Revenue Next 2Y3.3%
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 1Y-54.73%
FCF growth 3Y-16.46%
FCF growth 5Y-6.72%
OCF growth 1Y-53.96%
OCF growth 3Y-16.79%
OCF growth 5Y-9.71%