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 acceptable track record.


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

2.7%

MLVF

1.4%

US Banks

1.0%

US Market


1 Year Return

7.4%

MLVF

0.2%

US Banks

6.7%

US Market

Return vs Industry: MLVF exceeded the US Banks industry which returned 0.2% over the past year.

Return vs Market: MLVF matched the US Market which returned 6.7% over the past year.


Share holder returns

MLVFIndustryMarket
7 Day2.7%1.4%1.0%
30 Day-1.1%-2.6%-1.8%
90 Day-0.05%0.8%-1.8%
1 Year7.4%7.4%3.1%0.2%9.1%6.7%
3 Year28.0%28.0%52.0%41.5%46.0%36.6%
5 Year95.6%95.6%69.7%51.2%66.9%48.6%

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?

17.28x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Undervalued: MLVF ($21.83) is trading above our estimate of fair value ($15.14)

Significantly Undervalued: MLVF is trading above our estimate of fair value.


Price Based on Earnings

PE vs Industry: MLVF is poor value based on its PE Ratio (17.3x) compared to the Banks industry average (12.5x).

PE vs Market: MLVF is good value based on its PE Ratio (17.3x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate MLVF's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: MLVF is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

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

1.3%

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 Malvern 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.


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

Earnings Trend: MLVF has become profitable over the past 5 years, growing earnings by 35.3% per year.

Accelerating Growth: MLVF's earnings growth over the past year (40.1%) exceeds its 5-year average (35.3% per year).

Earnings vs Industry: MLVF earnings growth over the past year (40.1%) exceeded the Banks industry 31.8%.


Return on Equity

High ROE: MLVF's Return on Equity (6.6%) is considered low.


Return on Assets

ROA vs Industry: MLVF's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate MLVF's Return on Capital Employed to determine if it has improved over the past 3 years.


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

Inventory Level: MLVF has a low level of unsold assets or inventory.

Debt Coverage by Assets: MLVF's debt is covered by short term assets (assets are 1.014430x debt).


Financial Institutions Analysis

Asset Level: MLVF's level of assets compared to its equity is low.

Allowance for Bad Loans: MLVF has a sufficient allowance for bad loans.

Low Risk Liabilities: MLVF's liabilities are made up of primarily low risk sources of funding.

Loan Level: MLVF has an acceptable proportion of non-loan assets held.

Low Risk Deposits: MLVF's loans are broadly funded by customer deposits.

Level of Bad Loans: MLVF has an appropriate level of bad loans (0.24%)


Next Steps

Dividend

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


Dividend Yield vs Market

company0%marketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate MLVF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate MLVF's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

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 .


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.


Next Steps

Management

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

3.8yrs

Average management tenure


CEO

Tony Weagley (57yo)

5.1yrs

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

Compensation vs. Market: Tony's total compensation ($USD709.22K) is about average for companies of similar size in the US market ($USD1.17M).

Compensation vs Earnings: Tony's compensation has been consistent with company performance over the past year.


Management Age and Tenure

3.8yrs

Average Tenure

53.5yo

Average Age

Experienced Management: MLVF's management team is considered experienced (3.8 years average tenure).


Board Age and Tenure

3.5yrs

Average Tenure

66yo

Average Age

Experienced Board: MLVF's board of directors are considered experienced (3.5 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

BuyUS$53,72007 Jun 19
Howard Kent
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares2,695
Max PriceUS$20.00
BuyUS$2004 Jun 19
Andrew Fish
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1
Max PriceUS$19.90
BuyUS$52,55101 Jun 19
Andrew Fish
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,592
Max PriceUS$20.46
BuyUS$20,10730 May 19
Cynthia Leitzell
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$20.25
BuyUS$66,31623 May 19
Howard Kent
EntityIndividual
Role
Chairman of the Board
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
Director
Shares500
Max PriceUS$20.08
BuyUS$25,51713 May 19
James Barrett
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,218
Max PriceUS$20.95
BuyUS$21,06608 May 19
James Barrett
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$21.44
BuyUS$4,09008 May 19
James Barrett
EntityIndividual
Role
Member of the Board of Directors
Director
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
Director
Shares1,730
Max PriceUS$20.79
BuyUS$21,05005 Mar 19
Cynthia Leitzell
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$21.05
BuyUS$843,78026 Dec 18
Veteri Place Corporation
EntityCompany
Shares43,492
Max PriceUS$19.85

Ownership Breakdown


Management Team

  • Tony Weagley (57yo)

    President

    • Tenure: 5.1yrs
    • Compensation: US$709.22k
  • Bill Boylan (54yo)

    Executive VP & Chief Loan Officer

    • Tenure: 3.5yrs
    • Compensation: US$420.94k
  • Joseph Gangemi (38yo)

    Senior VP

    • Tenure: 4.4yrs
    • Compensation: US$277.00k
  • Linda Laurent

    VP & Manager of Retail Lending

    • Tenure: 0yrs
  • Bill Woolworth (53yo)

    Senior VP & Chief Risk Officer

    • Tenure: 4.2yrs
    • Compensation: US$239.69k
  • Pat McLennan

    Senior Vice President and Director of Community Development

    • Tenure: 2.8yrs
  • Alex Opiela

    Chief Operations Officer

    • Tenure: 2.8yrs

Board Members

  • Tony Weagley (57yo)

    President

    • Tenure: 5.1yrs
    • Compensation: US$709.22k
  • Howard Kent (71yo)

    Chairman of the Board

    • Tenure: 3.7yrs
    • Compensation: US$108.61k
  • Julia Corelli (58yo)

    Director

    • Tenure: 1.8yrs
    • Compensation: US$29.03k
  • Steven Scartozzi (66yo)

    Director

    • Tenure: 9.5yrs
    • Compensation: US$91.65k
  • Andrew Fish (35yo)

    Director

    • Tenure: 3yrs
    • Compensation: US$91.71k
  • Norman Feinstein (71yo)

    Director

    • Tenure: 3.3yrs
    • Compensation: US$89.79k
  • Cindy Leitzell (69yo)

    Director

    • Tenure: 3.6yrs
    • Compensation: US$98.01k
  • Jamie Barrett

    Director

    • Tenure: 0.5yrs

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$167.249m
  • Shares outstanding: 7.66m
  • Website: https://ir.malvernbancorp.com

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 Analysis2019/10/14 02:12
End of Day Share Price2019/10/11 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.

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