HV Bancorp, Inc. operates as the bank holding company for Huntingdon Valley Bank that provides various financial products and services to individuals and businesses.
Excellent balance sheet with proven track record.
Share Price & News
How has HV Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HVBC has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: HVBC exceeded the US Mortgage industry which returned -33.4% over the past year.
Return vs Market: HVBC underperformed the US Market which returned -14.9% over the past year.
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
3 weeks ago | Simply Wall StA Sliding Share Price Has Us Looking At HV Bancorp, Inc.'s (NASDAQ:HVBC) P/E Ratio
4 weeks ago | Simply Wall StHere's Why I Think HV Bancorp (NASDAQ:HVBC) Is An Interesting Stock
1 month ago | Simply Wall StRead This Before You Buy HV Bancorp, Inc. (NASDAQ:HVBC) Because Of Its P/E Ratio
Is HV Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HVBC ($11.56) is trading above our estimate of fair value ($1.65)
Significantly Below Fair Value: HVBC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HVBC is poor value based on its PE Ratio (21.9x) compared to the Mortgage industry average (10x).
PE vs Market: HVBC is poor value based on its PE Ratio (21.9x) compared to the US market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HVBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: HVBC is overvalued based on its PB Ratio (0.8x) compared to the US Mortgage industry average (0.8x).
How is HV Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as HV Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has HV Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HVBC has a high level of non-cash earnings.
Growing Profit Margin: HVBC's current net profit margins (7.1%) are higher than last year (7%).
Past Earnings Growth Analysis
Earnings Trend: HVBC's earnings have grown by 2.3% per year over the past 5 years.
Accelerating Growth: HVBC's earnings growth over the past year (41.4%) exceeds its 5-year average (2.3% per year).
Earnings vs Industry: HVBC earnings growth over the past year (41.4%) exceeded the Mortgage industry 10.9%.
Return on Equity
High ROE: HVBC's Return on Equity (3.2%) is considered low.
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
Inventory Level: HVBC has a low level of unsold assets or inventory.
Debt Coverage by Assets: HVBC's debt is covered by short term assets (assets are 2.3x debt).
Financial Institutions Analysis
Asset Level: HVBC's level of assets compared to its equity is moderate.
Allowance for Bad Loans: HVBC has a low allowance for bad loans.
Low Risk Liabilities: HVBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: HVBC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: HVBC's loans are broadly funded by customer deposits.
Level of Bad Loans: HVBC has an appropriate level of bad loans (1.42%)
What is HV Bancorp's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate HVBC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate HVBC's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if HVBC's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if HVBC's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HVBC's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Travis Thompson (46yo)
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
Compensation vs Market: Travis's total compensation ($USD279.63K) is below average for companies of similar size in the US market ($USD609.32K).
Compensation vs Earnings: Travis's compensation has been consistent with company performance over the past year.
|Independent Director||1.92yrs||US$192.77k||2.22% $582.5k|
|Lead Independent Director||no data||US$25.45k||1.14% $300.1k|
|Independent Director||6.33yrs||US$25.55k||1.54% $404.4k|
|Independent Director||4.17yrs||US$24.10k||1.54% $404.4k|
|Independent Director||2.25yrs||US$121.42k||0.22% $57.8k|
Experienced Board: HVBC's board of directors are considered experienced (4.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HVBC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.6%.
HV Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: HV Bancorp, Inc.
- Ticker: HVBC
- Exchange: NasdaqCM
- Founded: 1871
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$26.232m
- Shares outstanding: 2.27m
- Website: https://www.hvbancorp.com
Number of Employees
- HV Bancorp, Inc.
- 2005 South Easton Road
- Suite 304
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HVBC||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Jan 2017|
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 market, savings, and checking accounts, as well as demand deposits and certificates of deposit; and loan portfolio comprises one-to-four family residential real estate, commercial real estate, home equity, commercial business, construction, and consumer loans, as well as home equity lines of credit. The company also invests in various investment securities. It serves communities located in Montgomery, Bucks, and Philadelphia Counties in Pennsylvania from its executive office, four full service bank offices, one limited service office, and four loan production offices. The company was founded in 1871 and is headquartered in Doylestown, Pennsylvania.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 04:38|
|End of Day Share Price||2020/04/01 00:00|
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.