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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.55
MLVF's Cash to Debt is ranked lower than
65% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. MLVF: 0.55 )
Ranked among companies with meaningful Cash to Debt only.
MLVF' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.68 Max: N/A
Current: 0.55
Equity to Asset 0.11
MLVF's Equity to Asset is ranked higher than
57% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. MLVF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
MLVF' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.14
Current: 0.11
0.08
0.14
Interest Coverage 0.86
MLVF's Interest Coverage is ranked lower than
68% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. MLVF: 0.86 )
Ranked among companies with meaningful Interest Coverage only.
MLVF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.18 Max: 0.7
Current: 0.86
0.07
0.7
F-Score: 4
WACC vs ROIC
4.01%
3.60%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 25.59
MLVF's Operating margin (%) is ranked lower than
66% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. MLVF: 25.59 )
Ranked among companies with meaningful Operating margin (%) only.
MLVF' s Operating margin (%) Range Over the Past 10 Years
Min: -70.23  Med: 9.80 Max: 32.83
Current: 25.59
-70.23
32.83
Net-margin (%) 25.59
MLVF's Net-margin (%) is ranked higher than
61% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. MLVF: 25.59 )
Ranked among companies with meaningful Net-margin (%) only.
MLVF' s Net-margin (%) Range Over the Past 10 Years
Min: -103.22  Med: 7.25 Max: 21.08
Current: 25.59
-103.22
21.08
ROE (%) 5.88
MLVF's ROE (%) is ranked lower than
68% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. MLVF: 5.88 )
Ranked among companies with meaningful ROE (%) only.
MLVF' s ROE (%) Range Over the Past 10 Years
Min: -27.24  Med: 2.02 Max: 8.05
Current: 5.88
-27.24
8.05
ROA (%) 0.73
MLVF's ROA (%) is ranked lower than
60% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. MLVF: 0.73 )
Ranked among companies with meaningful ROA (%) only.
MLVF' s ROA (%) Range Over the Past 10 Years
Min: -2.86  Med: 0.20 Max: 0.64
Current: 0.73
-2.86
0.64
Revenue Growth (3Y)(%) -4.70
MLVF's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. MLVF: -4.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MLVF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -3.80 Max: 81.5
Current: -4.7
0
81.5
EBITDA Growth (3Y)(%) 9.20
MLVF's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. MLVF: 9.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MLVF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 40.4
Current: 9.2
0
40.4
EPS Growth (3Y)(%) 23.30
MLVF's EPS Growth (3Y)(%) is ranked higher than
79% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. MLVF: 23.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MLVF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 77.3
Current: 23.3
0
77.3
» MLVF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 28.35
MLVF's P/E(ttm) is ranked lower than
90% of the 2083 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.50 vs. MLVF: 28.35 )
Ranked among companies with meaningful P/E(ttm) only.
MLVF' s P/E(ttm) Range Over the Past 10 Years
Min: 26.45  Med: 109.32 Max: 302.5
Current: 28.35
26.45
302.5
PE(NRI) 28.35
MLVF's PE(NRI) is ranked lower than
88% of the 1535 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.30 vs. MLVF: 28.35 )
Ranked among companies with meaningful PE(NRI) only.
MLVF' s PE(NRI) Range Over the Past 10 Years
Min: 26.45  Med: 117.50 Max: 403.33
Current: 28.35
26.45
403.33
P/B 1.28
MLVF's P/B is ranked lower than
74% of the 2114 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. MLVF: 1.28 )
Ranked among companies with meaningful P/B only.
MLVF' s P/B Range Over the Past 10 Years
Min: 0.53  Med: 0.85 Max: 1.41
Current: 1.28
0.53
1.41
P/S 5.69
MLVF's P/S is ranked lower than
91% of the 2513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. MLVF: 5.69 )
Ranked among companies with meaningful P/S only.
MLVF' s P/S Range Over the Past 10 Years
Min: 1.55  Med: 3.85 Max: 8.46
Current: 5.69
1.55
8.46
PFCF 37.39
MLVF's PFCF is ranked lower than
94% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. MLVF: 37.39 )
Ranked among companies with meaningful PFCF only.
MLVF' s PFCF Range Over the Past 10 Years
Min: 3.12  Med: 21.69 Max: 183.33
Current: 37.39
3.12
183.33
POCF 32.26
MLVF's POCF is ranked lower than
93% of the 1445 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.26 vs. MLVF: 32.26 )
Ranked among companies with meaningful POCF only.
MLVF' s POCF Range Over the Past 10 Years
Min: 3.06  Med: 20.00 Max: 99999999.99
Current: 32.26
3.06
99999999.99
EV-to-EBIT 46.15
MLVF's EV-to-EBIT is ranked lower than
91% of the 2044 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. MLVF: 46.15 )
Ranked among companies with meaningful EV-to-EBIT only.
MLVF' s EV-to-EBIT Range Over the Past 10 Years
Min: -156.8  Med: 1.80 Max: 298.2
Current: 46.15
-156.8
298.2
EV-to-EBITDA 38.55
MLVF's EV-to-EBITDA is ranked lower than
91% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.33 vs. MLVF: 38.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
MLVF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -86  Med: 27.50 Max: 221.7
Current: 38.55
-86
221.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
MLVF's Price/Tangible Book is ranked lower than
66% of the 1932 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. MLVF: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
MLVF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 0.94 Max: 1.26
Current: 1.29
0.62
1.26
Price/Projected FCF 1.32
MLVF's Price/Projected FCF is ranked lower than
87% of the 1071 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. MLVF: 1.32 )
Ranked among companies with meaningful Price/Projected FCF only.
MLVF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.58  Med: 0.91 Max: 1.24
Current: 1.32
0.58
1.24
Price/Median PS Value 1.56
MLVF's Price/Median PS Value is ranked lower than
92% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. MLVF: 1.56 )
Ranked among companies with meaningful Price/Median PS Value only.
MLVF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 0.99 Max: 1.78
Current: 1.56
0.48
1.78
Price/Graham Number 1.31
MLVF's Price/Graham Number is ranked lower than
84% of the 1720 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. MLVF: 1.31 )
Ranked among companies with meaningful Price/Graham Number only.
MLVF' s Price/Graham Number Range Over the Past 10 Years
Min: 1.23  Med: 1.48 Max: 3.11
Current: 1.31
1.23
3.11
Earnings Yield (Greenblatt) (%) 2.21
MLVF's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. MLVF: 2.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MLVF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 1.45 Max: 95.6
Current: 2.21
0.3
95.6

More Statistics

Revenue(Mil) $18
EPS $ 0.74
Beta0.05
Short Percentage of Float0.06%
52-Week Range $12.00 - 17.70
Shares Outstanding(Mil)6.56

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Malvern Bancorp Inc a Pennsylvania corporation, is the holding company for Malvern Federal Savings Bank that is engaged in attracting deposits from businesses and the general public in Chester County, Pennsylvania and investing those deposits, together with borrowings and funds generated from operations, in one- to four-family residential real estate loans, construction and development loans, commercial and multi-family real estate loans, commercial business loans, home equity loans and lines of credit and other consumer loans, as well as investing in investment securities. In addition to Chester County, its lending efforts are focused in neighboring Montgomery County and Delaware County, both of which are also in southeastern Pennsylvania. It is also serving client needs in the greater Philadelphia market area. In addition to providing deposit and loan products, it also provides other banking services including personal and business checking accounts, retirement accounts, money market accounts, time and savings accounts, credit cards, wire transfers, access to automated teller services, internet banking, ACH origination, telephone banking, and mobile banking by phone. In addition, it offers safe deposit boxes. The Bank also offers remote deposit capture banking for business customers, providing the ability to electronically scan and transmit checks for deposit, reducing time and cost. In addition the Bank offers mobile remote deposit capture banking for both retail and business customers, providing the convenience to deposit on the go. Checking account products consist of both retail and business demand deposit products. Retail products include free checking and, for businesses, both interest-bearing accounts, which require a minimum balance, and non-interest bearing accounts. NOW accounts consist of both retail and business interest-bearing transaction accounts that have minimum balance requirements. Money market accounts consist of products that provide a market rate of interest to depositors but have limited check writing capabilities. Its savings accounts consist of statement type accounts. Time deposits consist of certificates of deposit, including those held in IRA accounts. The Bank offers personal and commercial business loans on a secured and unsecured basis, revolving lines of credit, commercial mortgage loans, and residential mortgages on both primary and secondary residences, home equity loans, bridge loans and other personal purpose loans. Commercial loans are loans made for business purposes and are secured by collateral such as cash balances with the Bank, marketable securities held by or under the control of the Bank, business assets including accounts receivable, inventory and equipment, and liens on commercial and residential real estate. Commercial construction loans are loans to finance the construction of commercial or residential properties secured by first liens on such properties. Commercial real estate l
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