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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 0.11
NVSL's Cash to Debt is ranked lower than
92% of the 980 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.53 vs. NVSL: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
NVSL' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.15 Max: N/A
Current: 0.11
Equity to Asset 0.12
NVSL's Equity to Asset is ranked higher than
67% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NVSL: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NVSL' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.12 Max: 0.19
Current: 0.12
0.08
0.19
Interest Coverage 0.32
NVSL's Interest Coverage is ranked lower than
87% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. NVSL: 0.32 )
Ranked among companies with meaningful Interest Coverage only.
NVSL' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.22 Max: 0.62
Current: 0.32
0.12
0.62
F-Score: 5
WACC vs ROIC
4.74%
1.96%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 9.82
NVSL's Operating margin (%) is ranked lower than
86% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.01 vs. NVSL: 9.82 )
Ranked among companies with meaningful Operating margin (%) only.
NVSL' s 10-Year Operating margin (%) Range
Min: -578.04  Med: 4.72 Max: 27.61
Current: 9.82
-578.04
27.61
Net-margin (%) 9.88
NVSL's Net-margin (%) is ranked lower than
83% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.75 vs. NVSL: 9.88 )
Ranked among companies with meaningful Net-margin (%) only.
NVSL' s 10-Year Net-margin (%) Range
Min: -64.74  Med: 9.99 Max: 240.21
Current: 9.88
-64.74
240.21
ROE (%) 3.48
NVSL's ROE (%) is ranked lower than
81% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. NVSL: 3.48 )
Ranked among companies with meaningful ROE (%) only.
NVSL' s 10-Year ROE (%) Range
Min: -20.44  Med: 2.82 Max: 10.28
Current: 3.48
-20.44
10.28
ROA (%) 0.41
NVSL's ROA (%) is ranked lower than
75% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. NVSL: 0.41 )
Ranked among companies with meaningful ROA (%) only.
NVSL' s 10-Year ROA (%) Range
Min: -2.78  Med: 0.31 Max: 0.89
Current: 0.41
-2.78
0.89
Revenue Growth (3Y)(%) -4.30
NVSL's Revenue Growth (3Y)(%) is ranked lower than
76% of the 1186 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. NVSL: -4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NVSL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.55 Max: 22.8
Current: -4.3
0
22.8
EBITDA Growth (3Y)(%) -19.00
NVSL's EBITDA Growth (3Y)(%) is ranked lower than
89% of the 1046 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. NVSL: -19.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NVSL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -13.85 Max: 265.9
Current: -19
0
265.9
EPS Growth (3Y)(%) -16.40
NVSL's EPS Growth (3Y)(%) is ranked lower than
87% of the 1055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. NVSL: -16.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NVSL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -10.50 Max: 41.9
Current: -16.4
0
41.9
» NVSL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

NVSL Guru Trades in Q2 2014

First Pacific Advisors 24,012 sh (unchged)
» More
Q3 2014

NVSL Guru Trades in Q3 2014

First Pacific Advisors 24,012 sh (unchged)
» More
Q4 2014

NVSL Guru Trades in Q4 2014

First Pacific Advisors 24,012 sh (unchged)
» More
Q1 2015

NVSL Guru Trades in Q1 2015

First Pacific Advisors 24,012 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with NVSL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 36.47
NVSL's P/E(ttm) is ranked lower than
90% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. NVSL: 36.47 )
Ranked among companies with meaningful P/E(ttm) only.
NVSL' s 10-Year P/E(ttm) Range
Min: 11.05  Med: 36.35 Max: 75.63
Current: 36.47
11.05
75.63
Forward P/E 15.90
NVSL's Forward P/E is ranked lower than
82% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.18 vs. NVSL: 15.90 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 36.90
NVSL's PE(NRI) is ranked lower than
91% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. NVSL: 36.90 )
Ranked among companies with meaningful PE(NRI) only.
NVSL' s 10-Year PE(NRI) Range
Min: 11.03  Med: 36.21 Max: 75.63
Current: 36.9
11.03
75.63
P/B 1.22
NVSL's P/B is ranked lower than
61% of the 1359 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. NVSL: 1.22 )
Ranked among companies with meaningful P/B only.
NVSL' s 10-Year P/B Range
Min: 0.58  Med: 0.97 Max: 1.96
Current: 1.22
0.58
1.96
P/S 3.54
NVSL's P/S is ranked lower than
62% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. NVSL: 3.54 )
Ranked among companies with meaningful P/S only.
NVSL' s 10-Year P/S Range
Min: 1.63  Med: 2.97 Max: 8.43
Current: 3.54
1.63
8.43
PFCF 15.96
NVSL's PFCF is ranked lower than
68% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.28 vs. NVSL: 15.96 )
Ranked among companies with meaningful PFCF only.
NVSL' s 10-Year PFCF Range
Min: 1.3  Med: 14.50 Max: 1244
Current: 15.96
1.3
1244
POCF 14.07
NVSL's POCF is ranked lower than
71% of the 923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. NVSL: 14.07 )
Ranked among companies with meaningful POCF only.
NVSL' s 10-Year POCF Range
Min: 1.28  Med: 12.89 Max: 165.57
Current: 14.07
1.28
165.57
EV-to-EBIT 62.98
NVSL's EV-to-EBIT is ranked lower than
94% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.91 vs. NVSL: 62.98 )
Ranked among companies with meaningful EV-to-EBIT only.
NVSL' s 10-Year EV-to-EBIT Range
Min: -914.3  Med: 52.05 Max: 128.1
Current: 62.98
-914.3
128.1
Days Sales Outstanding 28.88
NVSL's Days Sales Outstanding is ranked higher than
59% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.80 vs. NVSL: 28.88 )
Ranked among companies with meaningful Days Sales Outstanding only.
NVSL' s 10-Year Days Sales Outstanding Range
Min: 27.29  Med: 38.42 Max: 57.82
Current: 28.88
27.29
57.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
NVSL's Price/Tangible Book is ranked lower than
53% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. NVSL: 1.22 )
Ranked among companies with meaningful Price/Tangible Book only.
NVSL' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 0.92 Max: 1.96
Current: 1.22
0.58
1.96
Price/Projected FCF 0.67
NVSL's Price/Projected FCF is ranked higher than
51% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. NVSL: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
NVSL' s 10-Year Price/Projected FCF Range
Min: 0.22  Med: 0.49 Max: 0.99
Current: 0.67
0.22
0.99
Price/Median PS Value 1.19
NVSL's Price/Median PS Value is ranked lower than
65% of the 1195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. NVSL: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
NVSL' s 10-Year Price/Median PS Value Range
Min: 0.58  Med: 0.96 Max: 2.72
Current: 1.19
0.58
2.72
Price/Graham Number 1.40
NVSL's Price/Graham Number is ranked lower than
85% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. NVSL: 1.40 )
Ranked among companies with meaningful Price/Graham Number only.
NVSL' s 10-Year Price/Graham Number Range
Min: 0.57  Med: 1.62 Max: 3.72
Current: 1.4
0.57
3.72
Earnings Yield (Greenblatt) (%) 1.60
NVSL's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NVSL: 1.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NVSL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 1.60 Max: 2.4
Current: 1.6
0.8
2.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Naugatuck Valley Financial Corporation was organized in 1922 as a federal Corporation, and is a holding company for Naugatuck Valley Savings and Loan. The Company operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. It attracts deposits from the general public and uses those funds to originate one to four family, multi-family and commercial real estate, construction, commercial business, and consumer loans. Originations of long-term, fixed rate residential loans are sold in the secondary mortgage market. Deposits and loan repayments are the sources of its funds for lending and other investment purposes. Loan repayments are a stable source of funds, while deposit inflows and outflows and loan prepayments are influenced by general interest rates and money market conditions. The Deposits are attracted from within its market area through the offering of a broad selection of deposit instruments, including NOW accounts, checking accounts, money market accounts, regular savings accounts, club savings accounts, certificate accounts, health savings accounts and various retirement accounts. The Company borrows from the Federal Home Loan Bank of Boston to supplement its supply of lendable funds and to meet deposit withdrawal requirements. The Federal Home Loan Bank functions as a central reserve bank providing credit for member financial institutions. Its lending activities includes One to Four Family Residential Loans; Multi-Family and Commercial Real Estate Loan; Construction Loans; Commercial Business Loans; and Consumer Loans. It faces competition for loans from financial institutions, such as mortgage companies and mortgage brokers and non-depository financial service companies in the mortgage market, such as insurance companies, securities companies and specialty finance companies.
» More Articles for NVSL

Headlines

Articles On GuruFocus.com
Naugatuck Valley Financial Corp. Reports Operating Results (10-K) Mar 14 2011 
Naugatuck Valley Financial Corp. Reports Operating Results (10-Q) May 15 2009 

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