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. More Details
Flawless balance sheet and fair value.
Share Price & News
How has Malvern Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: MLVF has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: MLVF underperformed the US Banks industry which returned -30.9% over the past year.
Return vs Market: MLVF underperformed the US Market which returned 12% over the past year.
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
1 week ago | Simply Wall StHave Insiders Been Buying Malvern Bancorp, Inc. (NASDAQ:MLVF) Shares This Year?
1 month ago | Simply Wall StWhat Can We Learn About Malvern Bancorp's (NASDAQ:MLVF) CEO Compensation?
Is Malvern 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: MLVF ($12.58) is trading above our estimate of fair value ($9.13)
Significantly Below Fair Value: MLVF is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: MLVF is poor value based on its PE Ratio (14x) compared to the US Banks industry average (9.9x).
PE vs Market: MLVF is good value based on its PE Ratio (14x) compared to the US market (18.1x).
Price to Earnings Growth Ratio
PEG Ratio: MLVF is good value based on its PEG Ratio (0.9x)
Price to Book Ratio
PB vs Industry: MLVF is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).
How is Malvern Bancorp forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MLVF's forecast earnings growth (16% per year) is above the savings rate (2.2%).
Earnings vs Market: MLVF's earnings (16% per year) are forecast to grow slower than the US market (22% per year).
High Growth Earnings: MLVF's earnings are forecast to grow, but not significantly.
Revenue vs Market: MLVF's revenue (5.4% per year) is forecast to grow slower than the US market (10% per year).
High Growth Revenue: MLVF's revenue (5.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if MLVF's Return on Equity is forecast to be high in 3 years time
How has Malvern Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MLVF has high quality earnings.
Growing Profit Margin: MLVF's current net profit margins (25.5%) are lower than last year (33.7%).
Past Earnings Growth Analysis
Earnings Trend: MLVF's earnings have grown by 5.4% per year over the past 5 years.
Accelerating Growth: MLVF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: MLVF had negative earnings growth (-26.2%) over the past year, making it difficult to compare to the Banks industry average (-3.6%).
Return on Equity
High ROE: MLVF's Return on Equity (4.8%) is considered low.
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
Financial Institutions Analysis
Asset Level: MLVF's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: MLVF has a sufficient allowance for bad loans (121%).
Low Risk Liabilities: 83% of MLVF's liabilities are made up of primarily low risk sources of funding.
Loan Level: MLVF has an appropriate level of Loans to Assets ratio (85%).
Low Risk Deposits: MLVF's Loans to Deposits ratio (116%) is appropriate.
Level of Bad Loans: MLVF has an appropriate level of bad loans (0.9%).
What is Malvern Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate MLVF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate MLVF's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if MLVF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if MLVF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: MLVF is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of MLVF'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 management tenure
Tony Weagley (58 yo)
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
Compensation vs Market: Tony's total compensation ($USD737.66K) is about average for companies of similar size in the US market ($USD593.13K).
Compensation vs Earnings: Tony's compensation has been consistent with company performance over the past year.
|CFO, Executive VP & Corporate Secretary||5.42yrs||US$295.47k||0.16% |
|Executive VP & Chief Lending Officer||4.5yrs||US$452.81k||0.079% |
|Chief Operations Officer||3.75yrs||no data||no data|
|Executive VP & Chief Risk Officer||5.17yrs||US$239.69k||no data|
|Senior Vice President and Director of Community Development||3.75yrs||no data||no data|
|VP & Manager of Retail Lending||no data||no data||no data|
Experienced Management: MLVF's management team is considered experienced (4.8 years average tenure).
|Independent Chairman of the Board||4.58yrs||US$93.62k||2.59% |
|Independent Director||2.75yrs||US$76.21k||0.18% |
|Independent Director||10.5yrs||US$73.58k||0.21% |
|Independent Director||4yrs||US$76.23k||0.13% |
|Independent Director||4.33yrs||US$75.93k||0.21% |
|Independent Director||4.58yrs||US$82.38k||0.22% |
|Independent Director||1.5yrs||US$16.77k||0.22% |
Experienced Board: MLVF's board of directors are considered experienced (4.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: MLVF insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Malvern Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Malvern Bancorp, Inc.
- Ticker: MLVF
- Exchange: NasdaqGM
- Founded: 1887
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$94.606m
- Shares outstanding: 7.52m
- Website: https://ir.malvernbancorp.com
Number of Employees
- Malvern Bancorp, Inc.
- 42 East Lancaster Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MLVF||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||May 2008|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/30 04:15|
|End of Day Share Price||2020/10/29 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.