NasdaqCM:HVBC

Stock Analysis Report

Executive Summary

HV Bancorp, Inc. operates as the bank holding company for Huntingdon Valley Bank that provides various financial products and services to individuals and businesses.

Snowflake

Fundamentals

Excellent balance sheet with moderate growth potential.

Risks

  • HV Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has HV Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.1%

NasdaqCM:HVBC

2.1%

US Mortgage

2.1%

US Market


1 Year Return

-4.9%

NasdaqCM:HVBC

-0.7%

US Mortgage

-0.04%

US Market

HVBC underperformed the Mortgage industry which returned -1.5% over the past year.

HVBC underperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

HVBCIndustryMarket
7 Day0.1%2.1%2.1%
30 Day-1.0%-1.9%-3.2%
90 Day-10.0%0.6%2.8%
1 Year-4.9%-4.9%1.4%-0.7%2.2%-0.04%
3 Yearn/a32.9%24.1%41.5%32.3%
5 Yearn/a59.3%42.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is HV Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is HV Bancorp undervalued based on future cash flows and its price relative to the stock market?

32.97x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for HV Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for HV Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

HV Bancorp is overvalued based on earnings compared to the US Mortgage industry average.

HV Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for HV Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

HV Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is HV Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

24.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if HV Bancorp is high growth as no revenue estimate data is available.

HV Bancorp's earnings are expected to grow significantly at over 20% yearly.

Unable to compare HV Bancorp's revenue growth to the United States of America market average as no estimate data is available.

HV Bancorp's earnings growth is expected to exceed the United States of America market average.

HV Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if HV Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has HV Bancorp performed over the past 5 years?

-2.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

HV Bancorp's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

HV Bancorp's 1-year earnings growth exceeds its 5-year average (14.2% vs -2.7%)

HV Bancorp's earnings growth has not exceeded the US Mortgage industry average in the past year (14.2% vs 32.9%).


Return on Equity

HV Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

HV Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if HV Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is HV Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

HV Bancorp has an acceptable proportion of non-loan assets held.

HV Bancorp has a low allowance for bad loans.

HV Bancorp's liabilities are made up of primarily low risk sources of funding.

HV Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at HV Bancorp are broadly funded by customer deposits.

HV Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is HV Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate HV Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate HV Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as HV Bancorp has not reported any payouts.

Unable to verify if HV Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as HV Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of HV Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.5yrs

Average board tenure


CEO

Travis Thompson (46yo)

5.7yrs

Tenure

US$664,429

Compensation

Mr. Travis J. Thompson, Esq., serves as Chief Executive Officer and President of HV Bancorp, Inc. Mr. Thompson has been the Chief Executive Officer and President of Huntingdon Valley Bank since January 16, ...


CEO Compensation Analysis

Travis's remuneration is higher than average for companies of similar size in United States of America.

Travis's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.


Board Age and Tenure

3.5yrs

Average Tenure

55.5yo

Average Age

The tenure for the HV Bancorp board of directors is about average.


Insider Trading

More shares have been bought than sold by HV Bancorp individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$1,55018 Jun 19
Hugh Connelly
EntityIndividual
Shares100
Max PriceUS$15.50
BuyUS$7,01507 Jun 19
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares452
Max PriceUS$15.52
BuyUS$4,95231 May 19
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares316
Max PriceUS$15.67
BuyUS$8,35429 May 19
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares523
Max PriceUS$15.98
BuyUS$3,15021 May 19
Hugh Connelly
EntityIndividual
Shares200
Max PriceUS$15.75
BuyUS$13,45116 May 19
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares854
Max PriceUS$15.75
BuyUS$19,99214 May 19
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,254
Max PriceUS$16.00
BuyUS$3,16013 May 19
Hugh Connelly
EntityIndividual
Shares200
Max PriceUS$15.80
BuyUS$10,77326 Feb 19
Hugh Connelly
EntityIndividual
Shares684
Max PriceUS$15.75
BuyUS$15,83520 Dec 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,053
Max PriceUS$15.04
BuyUS$15,05019 Dec 18
J. Jacobsen
EntityIndividual
Shares1,000
Max PriceUS$15.05
BuyUS$27,32318 Dec 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,817
Max PriceUS$15.05
BuyUS$483,00717 Dec 18
Veteri Place Corporation
EntityCompany
Shares32,057
Max PriceUS$15.21
BuyUS$22,99213 Dec 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,528
Max PriceUS$15.05
BuyUS$9,91506 Dec 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares659
Max PriceUS$15.05
BuyUS$13,44403 Dec 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares890
Max PriceUS$15.20
BuyUS$6,67529 Nov 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares445
Max PriceUS$15.00
BuyUS$8,59521 Nov 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares561
Max PriceUS$15.50
BuyUS$6,84419 Sep 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares442
Max PriceUS$15.48
BuyUS$8,41714 Sep 18
Robert Marino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares543
Max PriceUS$15.50
BuyUS$14,99027 Aug 18
J. Jacobsen
EntityIndividual
Shares1,000
Max PriceUS$14.99

Ownership Breakdown


Management Team

  • Joseph O'Neill (60yo)

    Executive VP & CFO

    • Tenure: 5.7yrs
    • Compensation: US$388.60k
  • Travis Thompson (46yo)

    Chairman

    • Tenure: 5.7yrs
    • Compensation: US$664.43k
  • Janice Garner

    Corporate Secretary

    • Tenure: 0.0yrs
  • Barton Skurbe

    Director

    • Tenure: 0.0yrs

Board Members

  • Bob Marino (55yo)

    Director

    • Tenure: 1.3yrs
    • Compensation: US$28.35k
  • Travis Thompson (46yo)

    Chairman

    • Tenure: 5.7yrs
    • Compensation: US$664.43k
  • Scott Froggatt (59yo)

    Lead Independent Director

    • Tenure: 0.0yrs
    • Compensation: US$118.75k
  • Joseph Kelly (58yo)

    Director

    • Tenure: 5.7yrs
    • Compensation: US$118.30k
  • John Behm (52yo)

    Director

    • Tenure: 3.5yrs
    • Compensation: US$117.65k
  • Carl Asplundh (56yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: US$7.50k

Company Information

HV Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: HV Bancorp, Inc.
  • Ticker: HVBC
  • Exchange: NasdaqCM
  • Founded: 1871
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$30.167m
  • Shares outstanding: 2.11m
  • Website: https://www.hvbancorp.com

Number of Employees


Location

  • HV Bancorp, Inc.
  • 3501 Masons Mill Road
  • Suite 401
  • Huntingdon Valley
  • Pennsylvania
  • 19006
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HVBCNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJan 2017

Biography

HV Bancorp, Inc. operates as the bank holding company for Huntingdon Valley Bank that provides various financial products and services to individuals and businesses. Its deposit products include NOW, money ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:39
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.