Malvern Bancorp, Inc.

Symbol: MLVF

NASDAQ

16.97

USD

Market price today

  • 25.4843

    P/E Ratio

  • 0.0033

    PEG Ratio

  • 129.73M

    MRK Cap

  • 0.00%

    DIV Yield

Malvern Bancorp, Inc. (MLVF) Stock Price & Analysis

Shares Outstanding

7.64M

Gross Profit Margin

0.94%

Operating Profit Margin

0.77%

Net Profit Margin

0.21%

Return on Assets

0.01%

Return on Equity

0.03%

Return on Capital Employed

0.02%

Company general description and statistics

Sector: Financial Services
Industry: Banks—Regional
CEO:Mr. Anthony Charles Weagley
Full-time employees:77
City:Paoli
Address:42 East Lancaster Avenue
IPO:2008-05-21
CIK:0001550603

Malvern Bancorp, Inc. operates as the bank holding company for Malvern Bank that provides various banking products and services to consumer and business customers in Pennsylvania. It offers personal and business checking accounts, retirement accounts, money market accounts, and time and savings accounts; safe deposit boxes, credit cards, wire transfers, access to automated teller services, Internet banking, ACH origination, telephone banking, and mobile banking services. The company also provides loans, such as commercial construction and real estate loans, consumer loans, unsecured overdraft lines of credit, and personal loans, as well as loans secured by savings accounts and certificates of deposit on deposit; residential mortgages; and one- to four-family first mortgage loans, as well as investment advisory services to individuals, families, businesses, and non-profits. In addition, it offers life and health insurance, long term care, automobile, homeowners, and liability insurance services. Malvern Bancorp, Inc. was incorporated in 1887 and is headquartered in Paoli, Pennsylvania.

General Outlook

In simple terms, Malvern Bancorp, Inc. has 7.645 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 0.935% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.775%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.211%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.005% return, is a testament to Malvern Bancorp, Inc.'s adeptness in optimizing resource deployment. Malvern Bancorp, Inc.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.034%. Furthermore, the proficiency of Malvern Bancorp, Inc. in capital utilization is underscored by a remarkable 0.019% return on capital employed.

Stock Prices

Malvern Bancorp, Inc.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $15.78, while its low point bottomed out at $15.1. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Malvern Bancorp, Inc.'s stock market.

Liquidity Ratios

Analyzing MLVF liquidity ratios reveals its financial health of the firm. The current ratio of 67484.43% gauges short-term asset coverage for liabilities. The quick ratio (6780.34%) assesses immediate liquidity, while the cash ratio (2524.48%) indicates cash reserves.

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Current Ratio67484.43%
Quick Ratio6780.34%
Cash Ratio2524.48%

Profitability Ratios

MLVF profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 27.08% underscores its earnings before tax deductions. The effective tax rate stands at 22.08%, revealing its tax efficiency. The net income per EBT, 77.92%, and the EBT per EBIT, 34.97%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 77.46%, we grasp its operational profitability.

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Pretax Profit Margin27.08%
Effective Tax Rate22.08%
Net Income per EBT77.92%
EBT per EBIT34.97%
EBIT per Revenue77.46%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 674.84, it details the span from stock purchase to revenue. The 68 days it takes to settle debts showcases its creditor relations. Meanwhile, a 25 cash conversion cycle and 496.21% receivables turnover rate reflect its cash flow efficiency and credit management, respectively.

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Days of Sales Outstanding6780
Operating Cycle73.56
Days of Payables Outstanding292
Cash Conversion Cycle-219
Receivables Turnover4.96
Payables Turnover1.25
Fixed Asset Turnover5.12
Asset Turnover0.02

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 1.65, and free cash flow per share, 1.63, depict cash generation on a per-share basis. The cash per share value, 10.49, showcases liquidity position. Lastly, the operating cash flow sales ratio, 0.52, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share1.65
Free Cash Flow per Share1.63
Cash per Share10.49
Operating Cash Flow Sales Ratio0.52
Free Cash Flow to Operating Cash Flow Ratio0.99
Cash Flow Coverage Ratio0.13
Capital Expenditure Coverage Ratio92.24
Dividend Paid and Capex Coverage Ratio92.24

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 10.04%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.68, we discern the balance between debt and equity financing. The long-term debt to capitalization, 40.33%, and total debt to capitalization, 40.33%, ratios shed light on its capital structure. An interest coverage of 2.34 indicates its ability to manage interest expenses.

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Debt Ratio10.04%
Debt Equity Ratio0.68
Long Term Debt to Capitalization40.33%
Total Debt to Capitalization40.33%
Interest Coverage2.34
Cash Flow to Debt Ratio0.13
Company Equity Multiplier6.74

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 4.18, provides a glimpse into top-line earnings distributed across each share. Net income per share, 0.92, reflects the portion of profit attributed to each share. The book value per share, 19.36, represents the net asset value distributed per share, while the tangible book value per share, 19.36, excludes intangible assets.

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Revenue Per Share4.18
Net Income Per Share0.92
Book Value Per Share19.36
Tangible Book Value Per Share19.36
Shareholders Equity Per Share19.36
Interest Debt Per Share14.63
Capex Per Share-0.01

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, -0.57%, indicates top-line expansion, while the gross profit growth, -15.79%, reveals profitability trends. EBIT growth, 44.85%, and operating income growth, 44.85%, offer insights into operational profitability progression. The net income growth, 7655.43%, showcases bottom-line expansion, and the EPS growth, 7640.98%, measures the growth in earnings per share.

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Revenue Growth-0.57%
Gross Profit Growth-15.79%
EBIT Growth44.85%
Operating Income Growth44.85%
Net Income Growth7655.43%
EPS Growth7640.98%
EPS Diluted Growth7640.98%
Weighted Average Shares Growth0.35%
Weighted Average Shares Diluted Growth0.35%
Operating Cash Flow Growth-60.02%
Free Cash Flow Growth-60.09%
10-Year Revenue Growth per Share21.08%
5-Year Revenue Growth per Share0.85%
3-Year Revenue Growth per Share0.91%
10-Year Operating CF Growth per Share17.99%
5-Year Operating CF Growth per Share-48.97%
3-Year Operating CF Growth per Share-41.82%
10-Year Net Income Growth per Share177.37%
5-Year Net Income Growth per Share1.61%
3-Year Net Income Growth per Share-24.77%
10-Year Shareholders Equity Growth per Share82.77%
5-Year Shareholders Equity Growth per Share21.46%
3-Year Shareholders Equity Growth per Share3.78%
3-Year Dividend per Share Growth per Share-100.00%
Receivables Growth21.07%
Asset Growth-13.63%
Book Value per Share Growth2.65%
Debt Growth-10.08%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 160,430,726.44, captures the company's total value, considering both debt and equity. Income quality, 0.85, assesses the reliability of reported earnings.

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Enterprise Value160,430,726.44
Income Quality0.85
Sales General and Administrative to Revenue0.35
Capex to Operating Cash Flow-1.37%
Capex to Revenue-0.26%
Capex to Depreciation-7.03%
Stock-Based Compensation to Revenue1.70%
Graham Number20.01
Return on Tangible Assets0.67%
Graham Net Net-104.65
Working Capital3,709,000
Tangible Asset Value146,445,000
Net Current Asset Value-893,663,000
Invested Capital1
Average Receivables3,882,000
Average Payables557,500
Days Sales Outstanding49
Days Payables Outstanding41
ROIC4.54%
ROE0.05%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.87, and the price to book ratio, 0.87, reflect the market's valuation relative to the company's book value. The price to sales ratio, 5.41, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 10.45, and price to operating cash flows, 10.27, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.87
Price to Book Ratio0.87
Price to Sales Ratio5.41
Price Cash Flow Ratio10.27
Enterprise Value Multiple3.13
Price Fair Value0.87
Price to Operating Cash Flow Ratio10.27
Price to Free Cash Flows Ratio10.45
Price to Tangible Book Ratio0.74
Enterprise Value to Sales5.07
Enterprise Value Over EBITDA10.21
EV to Operating Cash Flow27.19
Earnings Yield6.39%
Free Cash Flow Yield5.35%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Malvern Bancorp, Inc. (MLVF) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 25.484 in 2024.

What is the ticker symbol of Malvern Bancorp, Inc. stock?

The ticker symbol of Malvern Bancorp, Inc. stock is MLVF.

What is company IPO date?

IPO date of Malvern Bancorp, Inc. is 2008-05-21.

What is company current share price?

Current share price is 16.970 USD.

What is stock market cap today?

The market cap of stock today is 129731577.000.

What is PEG ratio in 2024?

The current 0.003 is 0.003 in 2024.

What is the number of employees in 2024?

In 2024 the company has 77.