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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.26
MLVF's Cash to Debt is ranked lower than
78% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. MLVF: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
MLVF' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.61 Max: N/A
Current: 0.26
Equity to Asset 0.13
MLVF's Equity to Asset is ranked higher than
74% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. MLVF: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
MLVF' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.14
Current: 0.13
0.08
0.14
Interest Coverage 0.07
MLVF's Interest Coverage is ranked lower than
98% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. MLVF: 0.07 )
Ranked among companies with meaningful Interest Coverage only.
MLVF' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.18 Max: 0.31
Current: 0.07
0.07
0.31
F-Score: 5
WACC vs ROIC
6.49%
2.48%
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 (%) 16.55
MLVF's Operating margin (%) is ranked lower than
78% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. MLVF: 16.55 )
Ranked among companies with meaningful Operating margin (%) only.
MLVF' s 10-Year Operating margin (%) Range
Min: -70.23  Med: 12.91 Max: 32.83
Current: 16.55
-70.23
32.83
Net-margin (%) 16.45
MLVF's Net-margin (%) is ranked lower than
69% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. MLVF: 16.45 )
Ranked among companies with meaningful Net-margin (%) only.
MLVF' s 10-Year Net-margin (%) Range
Min: -103.22  Med: 9.40 Max: 21.08
Current: 16.45
-103.22
21.08
ROE (%) 3.61
MLVF's ROE (%) is ranked lower than
81% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. MLVF: 3.61 )
Ranked among companies with meaningful ROE (%) only.
MLVF' s 10-Year ROE (%) Range
Min: -27.24  Med: 2.57 Max: 8.05
Current: 3.61
-27.24
8.05
ROA (%) 0.47
MLVF's ROA (%) is ranked lower than
73% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. MLVF: 0.47 )
Ranked among companies with meaningful ROA (%) only.
MLVF' s 10-Year ROA (%) Range
Min: -2.86  Med: 0.24 Max: 0.64
Current: 0.47
-2.86
0.64
Revenue Growth (3Y)(%) -9.10
MLVF's Revenue Growth (3Y)(%) is ranked lower than
86% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. MLVF: -9.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MLVF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.00 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) 34.80
MLVF's P/E(ttm) is ranked lower than
91% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. MLVF: 34.80 )
Ranked among companies with meaningful P/E(ttm) only.
MLVF' s 10-Year P/E(ttm) Range
Min: 31.73  Med: 72.44 Max: 355.88
Current: 34.8
31.73
355.88
PE(NRI) 34.40
MLVF's PE(NRI) is ranked lower than
91% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. MLVF: 34.40 )
Ranked among companies with meaningful PE(NRI) only.
MLVF' s 10-Year PE(NRI) Range
Min: 31.44  Med: 71.43 Max: 403.33
Current: 34.4
31.44
403.33
P/B 1.26
MLVF's P/B is ranked lower than
67% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. MLVF: 1.26 )
Ranked among companies with meaningful P/B only.
MLVF' s 10-Year P/B Range
Min: 0.53  Med: 0.84 Max: 1.3
Current: 1.26
0.53
1.3
P/S 5.76
MLVF's P/S is ranked lower than
87% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. MLVF: 5.76 )
Ranked among companies with meaningful P/S only.
MLVF' s 10-Year P/S Range
Min: 1.55  Med: 3.81 Max: 8.46
Current: 5.76
1.55
8.46
PFCF 32.97
MLVF's PFCF is ranked lower than
90% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. MLVF: 32.97 )
Ranked among companies with meaningful PFCF only.
MLVF' s 10-Year PFCF Range
Min: 3.12  Med: 19.32 Max: 183.33
Current: 32.97
3.12
183.33
POCF 29.82
MLVF's POCF is ranked lower than
92% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. MLVF: 29.82 )
Ranked among companies with meaningful POCF only.
MLVF' s 10-Year POCF Range
Min: 3.06  Med: 19.43 Max: 99999999.99
Current: 29.82
3.06
99999999.99
EV-to-EBIT 59.87
MLVF's EV-to-EBIT is ranked lower than
94% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. MLVF: 59.87 )
Ranked among companies with meaningful EV-to-EBIT only.
MLVF' s 10-Year EV-to-EBIT Range
Min: -156.8  Med: -4.30 Max: 534.5
Current: 59.87
-156.8
534.5
Days Sales Outstanding 51.03
MLVF's Days Sales Outstanding is ranked lower than
64% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. MLVF: 51.03 )
Ranked among companies with meaningful Days Sales Outstanding only.
MLVF' s 10-Year Days Sales Outstanding Range
Min: 27.97  Med: 34.27 Max: 58.84
Current: 51.03
27.97
58.84

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
MLVF's Price/Tangible Book is ranked lower than
59% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. MLVF: 1.27 )
Ranked among companies with meaningful Price/Tangible Book only.
MLVF' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 0.86 Max: 1.22
Current: 1.27
0.58
1.22
Price/Projected FCF 1.17
MLVF's Price/Projected FCF is ranked lower than
83% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. MLVF: 1.17 )
Ranked among companies with meaningful Price/Projected FCF only.
MLVF' s 10-Year Price/Projected FCF Range
Min: 0.43  Med: 0.82 Max: 1.12
Current: 1.17
0.43
1.12
Price/Median PS Value 1.52
MLVF's Price/Median PS Value is ranked lower than
89% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. MLVF: 1.52 )
Ranked among companies with meaningful Price/Median PS Value only.
MLVF' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.00 Max: 2.22
Current: 1.52
0.43
2.22
Price/Graham Number 1.43
MLVF's Price/Graham Number is ranked lower than
89% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. MLVF: 1.43 )
Ranked among companies with meaningful Price/Graham Number only.
MLVF' s 10-Year Price/Graham Number Range
Min: 1.17  Med: 1.47 Max: 3.96
Current: 1.43
1.17
3.96
Earnings Yield (Greenblatt) (%) 1.72
MLVF's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. MLVF: 1.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MLVF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 1.30 Max: 95.6
Current: 1.72
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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