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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 0.53
MLVF's Cash to Debt is ranked higher than
64% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. MLVF: 0.53 )
MLVF' s 10-Year Cash to Debt Range
Min: 0.07   Max: N/A
Current: 0.53

Equity to Asset 0.13
MLVF's Equity to Asset is ranked higher than
87% of the 2312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. MLVF: 0.13 )
MLVF' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.13

0.08
0.14
Interest Coverage 0.07
MLVF's Interest Coverage is ranked lower than
54% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. MLVF: 0.07 )
MLVF' s 10-Year Interest Coverage Range
Min: 0.07   Max: 0.31
Current: 0.07

0.07
0.31
F-Score: 5
Z-Score: 0.21
WACC vs ROIC
7.77%
1.91%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 11.75
MLVF's Operating margin (%) is ranked higher than
54% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. MLVF: 11.75 )
MLVF' s 10-Year Operating margin (%) Range
Min: -70.23   Max: 32.83
Current: 11.75

-70.23
32.83
Net-margin (%) 11.65
MLVF's Net-margin (%) is ranked higher than
57% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. MLVF: 11.65 )
MLVF' s 10-Year Net-margin (%) Range
Min: -103.22   Max: 21.08
Current: 11.65

-103.22
21.08
ROE (%) 2.60
MLVF's ROE (%) is ranked higher than
53% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. MLVF: 2.60 )
MLVF' s 10-Year ROE (%) Range
Min: -27.24   Max: 8.05
Current: 2.6

-27.24
8.05
ROA (%) 0.34
MLVF's ROA (%) is ranked higher than
56% of the 2433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. MLVF: 0.34 )
MLVF' s 10-Year ROA (%) Range
Min: -2.86   Max: 0.64
Current: 0.34

-2.86
0.64
ROC (Joel Greenblatt) (%) 29.81
MLVF's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. MLVF: 29.81 )
MLVF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -171.33   Max: 73.47
Current: 29.81

-171.33
73.47
Revenue Growth (3Y)(%) -9.10
MLVF's Revenue Growth (3Y)(%) is ranked higher than
55% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. MLVF: -9.10 )
MLVF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 85.9
Current: -9.1

0
85.9
» 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) 45.10
MLVF's P/E(ttm) is ranked higher than
60% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. MLVF: 45.10 )
MLVF' s 10-Year P/E(ttm) Range
Min: 32.73   Max: 355.88
Current: 45.1

32.73
355.88
PE(NRI) 44.50
MLVF's PE(NRI) is ranked higher than
63% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. MLVF: 44.50 )
MLVF' s 10-Year PE(NRI) Range
Min: 33.17   Max: 403.33
Current: 44.5

33.17
403.33
P/B 1.17
MLVF's P/B is ranked higher than
73% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. MLVF: 1.17 )
MLVF' s 10-Year P/B Range
Min: 0.53   Max: 1.17
Current: 1.17

0.53
1.17
P/S 5.28
MLVF's P/S is ranked higher than
51% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. MLVF: 5.28 )
MLVF' s 10-Year P/S Range
Min: 1.55   Max: 8.46
Current: 5.28

1.55
8.46
PFCF 43.18
MLVF's PFCF is ranked lower than
65% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. MLVF: 43.18 )
MLVF' s 10-Year PFCF Range
Min: 3.12   Max: 183.33
Current: 43.18

3.12
183.33
POCF 36.54
MLVF's POCF is ranked lower than
52% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 194.36 vs. MLVF: 36.54 )
MLVF' s 10-Year POCF Range
Min: 3.06   Max: 99999999.99
Current: 36.54

3.06
99999999.99
EV-to-EBIT 68.86
MLVF's EV-to-EBIT is ranked higher than
58% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. MLVF: 68.86 )
MLVF' s 10-Year EV-to-EBIT Range
Min: -156.8   Max: 534.5
Current: 68.86

-156.8
534.5
Days Sales Outstanding 45.78
MLVF's Days Sales Outstanding is ranked higher than
85% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. MLVF: 45.78 )
MLVF' s 10-Year Days Sales Outstanding Range
Min: 27.97   Max: 58.84
Current: 45.78

27.97
58.84

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
MLVF's Price/Tangible Book is ranked higher than
81% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. MLVF: 1.17 )
MLVF' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.11
Current: 1.17

0.58
1.11
Price/DCF (Projected) 1.12
MLVF's Price/DCF (Projected) is ranked higher than
79% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. MLVF: 1.12 )
MLVF' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 1.06
Current: 1.12

0.43
1.06
Price/Median PS Value 1.40
MLVF's Price/Median PS Value is ranked higher than
63% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. MLVF: 1.40 )
MLVF' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 2.24
Current: 1.4

0.44
2.24
Price/Graham Number 1.55
MLVF's Price/Graham Number is ranked higher than
60% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. MLVF: 1.55 )
MLVF' s 10-Year Price/Graham Number Range
Min: 1.17   Max: 3.96
Current: 1.55

1.17
3.96
Earnings Yield (Greenblatt) 1.50
MLVF's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. MLVF: 1.50 )
MLVF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 95.6
Current: 1.5

0.2
95.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Malvern Bancorp Inc was formerly known as Malvern Federal Bancorp, Inc. incorporated in the United States. The Company through its subsidiary, Malvern Federal Savings Bank (the Bank) is primarily engaged in attracting deposits from the general public and using those funds to invest in loans and investment securities. The Bank's principal sources of funds are deposits, repayments of loans and investment securities, maturities of investments and interest-bearing deposits, other funds provided from operations and wholesale funds borrowed from outside sources such as the Federal Home Loan Bank (FHLB) of Pittsburgh. These funds are used for the origination of various loan types including single-family residential mortgage loans, commercial real estate mortgage loans, construction and development loans, home equity loans and lines of credit and other consumer loans. It conducts business throughout Chester County, Pennsylvania. It faces significant competition in originating loans and attracting deposits. Malvern Federal Savings Bank, as a federally chartered savings association, is subject to federal regulation and oversight by the Office of Thrift Supervision (the OTS) extending to all aspects of its operations.
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