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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.20
NVSL's Cash to Debt is ranked higher than
55% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. NVSL: 0.20 )
NVSL' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.2

Equity to Asset 0.12
NVSL's Equity to Asset is ranked higher than
84% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NVSL: 0.12 )
NVSL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.19
Current: 0.12

0.08
0.19
F-Score: 4
Z-Score: 0.14
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 : 3/10

vs
industry
vs
history
Operating margin (%) -9.04
NVSL's Operating margin (%) is ranked lower than
51% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. NVSL: -9.04 )
NVSL' s 10-Year Operating margin (%) Range
Min: -578.04   Max: 27.61
Current: -9.04

-578.04
27.61
Net-margin (%) -11.00
NVSL's Net-margin (%) is ranked lower than
51% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. NVSL: -11.00 )
NVSL' s 10-Year Net-margin (%) Range
Min: -64.74   Max: 240.21
Current: -11

-64.74
240.21
ROE (%) -3.54
NVSL's ROE (%) is ranked lower than
51% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. NVSL: -3.54 )
NVSL' s 10-Year ROE (%) Range
Min: -20.44   Max: 10.28
Current: -3.54

-20.44
10.28
ROA (%) -0.42
NVSL's ROA (%) is ranked lower than
51% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NVSL: -0.42 )
NVSL' s 10-Year ROA (%) Range
Min: -2.78   Max: 0.89
Current: -0.42

-2.78
0.89
ROC (Joel Greenblatt) (%) -18.33
NVSL's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. NVSL: -18.33 )
NVSL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -157.74   Max: 60.66
Current: -18.33

-157.74
60.66
Revenue Growth (%) -6.80
NVSL's Revenue Growth (%) is ranked higher than
59% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. NVSL: -6.80 )
NVSL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 22.8
Current: -6.8

0
22.8
» NVSL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

NVSL Guru Trades in Q4 2013

First Pacific Advisors 24,012 sh (unchged)
» More
Q1 2014

NVSL Guru Trades in Q1 2014

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



No Guru Trades Found!
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Ratios

vs
industry
vs
history
P/B 1.00
NVSL's P/B is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. NVSL: 1.00 )
NVSL' s 10-Year P/B Range
Min: 0.58   Max: 1.96
Current: 1

0.58
1.96
P/S 3.10
NVSL's P/S is ranked higher than
78% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. NVSL: 3.10 )
NVSL' s 10-Year P/S Range
Min: 1.63   Max: 8.43
Current: 3.1

1.63
8.43
PFCF 4.70
NVSL's PFCF is ranked higher than
92% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. NVSL: 4.70 )
NVSL' s 10-Year PFCF Range
Min: 1.3   Max: 1244
Current: 4.7

1.3
1244
EV-to-EBIT -57.02
NVSL's EV-to-EBIT is ranked higher than
55% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. NVSL: -57.02 )
NVSL' s 10-Year EV-to-EBIT Range
Min: -914.3   Max: 128.1
Current: -57.02

-914.3
128.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
NVSL's Price/Tangible Book is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. NVSL: 1.01 )
NVSL' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 1.96
Current: 1.01

0.58
1.96
Price/DCF (Projected) 0.58
NVSL's Price/DCF (Projected) is ranked higher than
89% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. NVSL: 0.58 )
NVSL' s 10-Year Price/DCF (Projected) Range
Min: 0.22   Max: 0.99
Current: 0.58

0.22
0.99
Price/Median PS Value 1.06
NVSL's Price/Median PS Value is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. NVSL: 1.06 )
NVSL' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 2.75
Current: 1.06

0.58
2.75
Earnings Yield (Greenblatt) -1.80
NVSL's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NVSL: -1.80 )
NVSL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 2.4
Current: -1.8

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.

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