NasdaqGM:MLVF

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet with reasonable growth potential.

Risks

  • Malvern Bancorp is covered by less than 3 analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

4.8%

NasdaqGM:MLVF

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-15.0%

NasdaqGM:MLVF

-14.2%

US Banks

-0.4%

US Market

MLVF outperformed the Banks industry which returned -16.1% over the past year.

MLVF underperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

MLVFIndustryMarket
7 Day4.8%-2.6%-1.0%
30 Day-3.6%-5.5%-3.3%
90 Day7.5%-3.5%0.4%
1 Year-15.0%-15.0%-11.8%-14.2%1.8%-0.4%
3 Year28.6%28.6%42.2%32.4%39.4%30.4%
5 Year91.9%91.9%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

16.7x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Malvern Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Malvern Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Malvern Bancorp is overvalued based on earnings compared to the US Banks industry average.

Malvern Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Malvern Bancorp is good value based on expected growth next year.


Price Based on Value of Assets

Malvern Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Malvern Bancorp expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

29.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Malvern Bancorp's revenue is expected to grow by 17.8% yearly, however this is not considered high growth (20% yearly).

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

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

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

Malvern 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 Malvern Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Malvern Bancorp performed over the past 5 years?

35.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Malvern Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Malvern Bancorp's 1-year earnings growth exceeds its 5-year average (40.1% vs 35.3%)

Malvern Bancorp's earnings growth has exceeded the US Banks industry average in the past year (40.1% vs 33.2%).


Return on Equity

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


Return on Assets

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


Return on Capital Employed

Unable to establish if Malvern 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 Malvern 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


Financial Institutions Analysis

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

Malvern Bancorp has a sufficient allowance for bad loans.

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

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

Loans at Malvern Bancorp are broadly funded by customer deposits.

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


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

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

Unable to evaluate Malvern 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 Malvern Bancorp has not reported any payouts.

Unable to verify if Malvern 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 Malvern 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 Malvern Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.3yrs

Average management tenure


CEO

Tony Weagley (57yo)

4.9yrs

Tenure

US$709,220

Compensation

Mr. Anthony Charles Weagley, also known as Tony, has been the Chief Executive Officer and President of Malvern Bancorp, Inc. ("Company") and its subsidiary Malvern Bank, National Association ("Bank") since ...


CEO Compensation Analysis

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

Tony's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.3yrs

Average Tenure

53.5yo

Average Age

The tenure for the Malvern Bancorp management team is about average.


Board Age and Tenure

3.3yrs

Average Tenure

66yo

Average Age

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


Insider Trading

More shares have been bought than sold by Malvern Bancorp individual insiders in the past 3 months.


Recent Insider Transactions

BuyUS$53,72007 Jun 19
Howard Kent
EntityIndividual
Role
Chairman of the Board
Shares2,695
Max PriceUS$20.00
BuyUS$2004 Jun 19
Andrew Fish
EntityIndividual
Role
Member of the Board of Directors
Shares1
Max PriceUS$19.90
BuyUS$52,55101 Jun 19
Andrew Fish
EntityIndividual
Role
Member of the Board of Directors
Shares2,592
Max PriceUS$20.46
BuyUS$20,10730 May 19
Cynthia Leitzell
EntityIndividual
Role
Member of the Board of Directors
Shares1,000
Max PriceUS$20.25
BuyUS$66,31623 May 19
Howard Kent
EntityIndividual
Role
Chairman of the Board
Shares3,327
Max PriceUS$20.00
BuyUS$10,04021 May 19
Stephen Scartozzi
EntityIndividual
Role
Member of the Board of Directors
Shares500
Max PriceUS$20.08
BuyUS$25,51713 May 19
James Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares1,218
Max PriceUS$20.95
BuyUS$21,06608 May 19
James Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares1,000
Max PriceUS$21.44
BuyUS$4,09008 May 19
James Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares200
Max PriceUS$20.45
BuyUS$521,95601 Apr 19
Veteri Place Corporation
EntityCompany
Shares26,000
Max PriceUS$20.15
BuyUS$35,96726 Mar 19
Norman Feinstein
EntityIndividual
Role
Member of the Board of Directors
Shares1,730
Max PriceUS$20.79
BuyUS$21,05005 Mar 19
Cynthia Leitzell
EntityIndividual
Role
Member of the Board of Directors
Shares1,000
Max PriceUS$21.05
BuyUS$843,78026 Dec 18
Veteri Place Corporation
EntityCompany
Shares43,492
Max PriceUS$19.85
BuyUS$21,00018 Oct 18
Therese Woodman
EntityIndividual
Shares1,000
Max PriceUS$21.00
BuyUS$39,98418 Oct 18
Stephen Scartozzi
EntityIndividual
Role
Member of the Board of Directors
Shares1,904
Max PriceUS$21.00
BuyUS$42,00011 Oct 18
William Woolworth
EntityIndividual
Role
Senior VP & Chief Risk Officer
Shares2,000
Max PriceUS$21.00
BuyUS$9,99611 Oct 18
William Boylan
EntityIndividual
Role
Executive VP & Chief Loan Officer
Shares476
Max PriceUS$21.00
BuyUS$29,98811 Oct 18
Joseph Gangemi
EntityIndividual
Role
Senior VP
Shares1,428
Max PriceUS$21.00
BuyUS$139,96511 Oct 18
Anthony Weagley
EntityIndividual
Role
President
Member of the Board of Directors
Shares6,665
Max PriceUS$21.00
BuyUS$149,98211 Oct 18
Julia Corelli
EntityIndividual
Role
Member of the Board of Directors
Shares7,142
Max PriceUS$21.00
BuyUS$21,00011 Oct 18
Cynthia Leitzell
EntityIndividual
Role
Member of the Board of Directors
Shares1,000
Max PriceUS$21.00
BuyUS$24,99011 Oct 18
Andrew Fish
EntityIndividual
Role
Member of the Board of Directors
Shares1,190
Max PriceUS$21.00
BuyUS$49,98011 Oct 18
Norman Feinstein
EntityIndividual
Role
Member of the Board of Directors
Shares2,380
Max PriceUS$21.00
BuyUS$567,00011 Oct 18
Howard Kent
EntityIndividual
Role
Chairman of the Board
Shares27,000
Max PriceUS$21.00

Ownership Breakdown


Management Team

  • Tony Weagley (57yo)

    President

    • Tenure: 4.9yrs
    • Compensation: $709.22k
  • Bill Boylan (54yo)

    Executive VP & Chief Loan Officer

    • Tenure: 3.3yrs
    • Compensation: $420.94k
  • Joseph Gangemi (38yo)

    Senior VP

    • Tenure: 4.3yrs
    • Compensation: $277.00k
  • Linda Laurent

    VP & Manager of Retail Lending

  • Rona Korman

    Senior Vice President & General Counsel of Malvern Federal Savings Bank

    • Tenure: 1.9yrs
  • Bill Woolworth (53yo)

    Senior VP & Chief Risk Officer

    • Tenure: 4.0yrs
    • Compensation: $239.69k
  • Pat McLennan

    Senior Vice President and Director of Community Development

    • Tenure: 2.6yrs
  • Alex Opiela

    Chief Operations Officer

    • Tenure: 2.6yrs

Board Members

  • Tony Weagley (57yo)

    President

    • Tenure: 4.9yrs
    • Compensation: $709.22k
  • Howard Kent (71yo)

    Chairman of the Board

    • Tenure: 3.5yrs
    • Compensation: $108.61k
  • Julia Corelli (58yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: $29.03k
  • Steven Scartozzi (66yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: $91.65k
  • Andrew Fish (35yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: $91.71k
  • Norman Feinstein (71yo)

    Director

    • Tenure: 3.2yrs
    • Compensation: $89.79k
  • Cindy Leitzell (69yo)

    Director

    • Tenure: 3.4yrs
    • Compensation: $98.01k
  • Jamie Barrett

    Director

    • Tenure: 0.3yrs

Company Information

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


Key Information

  • Name: Malvern Bancorp, Inc.
  • Ticker: MLVF
  • Exchange: NasdaqGM
  • Founded: 1887
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$161.580m
  • Shares outstanding: 7.66m
  • Website: Click here

Number of Employees


Location

  • Malvern Bancorp, Inc.
  • 42 East Lancaster Avenue
  • Paoli
  • Pennsylvania
  • 19301
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MLVFNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDMay 2008

Biography

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. The company accepts check ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:12
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/09/30


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.