NasdaqCM:MSVB

Stock Analysis Report

Executive Summary

Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Mid-Southern Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

1.1%

NasdaqCM:MSVB

2.1%

US Mortgage

2.1%

US Market


1 Year Return

2.5%

NasdaqCM:MSVB

-0.7%

US Mortgage

-0.04%

US Market

MSVB outperformed the Mortgage industry which returned -1.5% over the past year.

MSVB outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

MSVBIndustryMarket
7 Day1.1%2.1%2.1%
30 Day0.2%-1.9%-3.2%
90 Day0.4%0.6%2.8%
1 Year3.2%2.5%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 Mid-Southern Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

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

29.28x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Mid-Southern Bancorp is overvalued based on earnings compared to the US Mortgage industry average.

Mid-Southern 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 Mid-Southern Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Mid-Southern Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

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

21.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Mid-Southern Bancorp is high growth as no revenue estimate data is available.

Mid-Southern Bancorp's earnings are expected to grow significantly at over 20% yearly.

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

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

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


Next Steps

Past Performance

How has Mid-Southern Bancorp performed over the past 5 years?

15.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Mid-Southern Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Mid-Southern Bancorp's 1-year earnings growth exceeds its 5-year average (37.9% vs 15%)

Mid-Southern Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (37.9% vs 32.9%).


Return on Equity

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


Return on Assets

Mid-Southern 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 Mid-Southern 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 Mid-Southern 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

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

Mid-Southern Bancorp has a sufficient allowance for bad loans.

Mid-Southern Bancorp's liabilities are made up of primarily low risk sources of funding.

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

Loans at Mid-Southern Bancorp are broadly funded by customer deposits.

Mid-Southern Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Mid-Southern Bancorp's current dividend yield, its reliability and sustainability?

0.63%

Current Dividend Yield


Dividend Yield and Payments Analysis

Mid-Southern Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Mid-Southern Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Mid-Southern Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Mid-Southern Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Mid-Southern Bancorp's dividends as it is not paying a notable one for United States of America.


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 Mid-Southern Bancorp's salary, the management and board of directors tenure and is there insider trading?

0.6yrs

Average board tenure


CEO

Alex Babey (50yo)

1.6yrs

Tenure

US$209,685

Compensation

Mr. Alexander G. Babey, also known as Alex, has been President and Chief Executive Officer of Mid-Southern Bancorp since its formation in January 2018 and the President of Chief Executive Officer of Mid-So ...


CEO Compensation Analysis

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

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


Board Age and Tenure

0.6yrs

Average Tenure

65yo

Average Age

The average tenure for the Mid-Southern Bancorp board of directors is less than 3 years, this suggests a new board.


Insider Trading

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


Recent Insider Transactions

BuyUS$8,75616 Aug 19
Eric Koch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares690
Max PriceUS$12.69
BuyUS$1,06513 Mar 19
Eric Koch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares83
Max PriceUS$12.83
BuyUS$11,77413 Mar 19
Eric Koch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares917
Max PriceUS$12.84
BuyUS$14,95008 Mar 19
Eric Koch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,150
Max PriceUS$13.00
BuyUS$19,08206 Mar 19
Eric Koch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,450
Max PriceUS$13.25
BuyUS$5,33727 Feb 19
Eric Koch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares415
Max PriceUS$12.86
BuyUS$12,25019 Nov 18
Alexander Babey
EntityIndividual
Role
Chief Executive Officer
President
Shares1,000
Max PriceUS$12.25

Ownership Breakdown


Management Team

  • Erica Schmidt (40yo)

    Executive VP

    • Tenure: 1.6yrs
    • Compensation: US$131.64k
  • Alex Babey (50yo)

    President

    • Tenure: 1.6yrs
    • Compensation: US$209.69k
  • Buzz Benson (57yo)

    Executive VP & Senior Loan Officer

    • Tenure: 0.0yrs
    • Compensation: US$166.35k

Board Members

  • Kermit Lamb (70yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$42.29k
  • Dana Dunbar (70yo)

    Chairman of the Board

    • Tenure: 1.6yrs
    • Compensation: US$33.85k
  • David Branaman (86yo)

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$15.61k
  • Charles Lamb (80yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$20.40k
  • Paul Allemeier (85yo)

    Director Emeritus

    • Tenure: 0.3yrs
    • Compensation: US$22.50k
  • Trent Fisher (60yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$22.65k
  • Larry Bailey (56yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$25.50k
  • Alex Babey (50yo)

    President

    • Tenure: 1.6yrs
    • Compensation: US$209.69k
  • Brent Rosenbaum (58yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$21.50k
  • Eric Koch (54yo)

    Director

    • Tenure: 0.6yrs

Company Information

Mid-Southern Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mid-Southern Bancorp, Inc.
  • Ticker: MSVB
  • Exchange: NasdaqCM
  • Founded: 1886
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$42.574m
  • Shares outstanding: 3.37m
  • Website: https://www.mid-southern.com

Number of Employees


Location

  • Mid-Southern Bancorp, Inc.
  • 300 North Water Street
  • Salem
  • Indiana
  • 47167
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MSVBNasdaqCM (Nasdaq Capital Market)YesNew Common StockUSUSDJul 2018

Biography

Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services. It accepts various deposit products, including savings acc ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:43
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.