Switch to:

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 0.31
NVSL's Cash to Debt is ranked lower than
79% of the 1178 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. NVSL: 0.31 )
Ranked among companies with meaningful Cash to Debt only.
NVSL' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.16 Max: N/A
Current: 0.31
Equity to Asset 0.13
NVSL's Equity to Asset is ranked higher than
76% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NVSL: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
NVSL' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.12 Max: 0.19
Current: 0.13
0.08
0.19
Interest Coverage 0.81
NVSL's Interest Coverage is ranked lower than
69% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. NVSL: 0.81 )
Ranked among companies with meaningful Interest Coverage only.
NVSL' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.22 Max: 0.48
Current: 0.81
0.12
0.48
F-Score: 5
M-Score: -2.65
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 (%) 12.56
NVSL's Operating margin (%) is ranked lower than
84% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. NVSL: 12.56 )
Ranked among companies with meaningful Operating margin (%) only.
NVSL' s Operating margin (%) Range Over the Past 10 Years
Min: -64.12  Med: 10.50 Max: 18.86
Current: 12.56
-64.12
18.86
Net-margin (%) 12.62
NVSL's Net-margin (%) is ranked lower than
79% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.36 vs. NVSL: 12.62 )
Ranked among companies with meaningful Net-margin (%) only.
NVSL' s Net-margin (%) Range Over the Past 10 Years
Min: -64.74  Med: 6.80 Max: 15.26
Current: 12.62
-64.74
15.26
ROE (%) 4.17
NVSL's ROE (%) is ranked lower than
79% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.33 vs. NVSL: 4.17 )
Ranked among companies with meaningful ROE (%) only.
NVSL' s ROE (%) Range Over the Past 10 Years
Min: -20.44  Med: 2.62 Max: 4.16
Current: 4.17
-20.44
4.16
ROA (%) 0.51
NVSL's ROA (%) is ranked lower than
72% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. NVSL: 0.51 )
Ranked among companies with meaningful ROA (%) only.
NVSL' s ROA (%) Range Over the Past 10 Years
Min: -2.78  Med: 0.28 Max: 0.61
Current: 0.51
-2.78
0.61
Revenue Growth (3Y)(%) -4.30
NVSL's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. NVSL: -4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NVSL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.60 Max: 22.7
Current: -4.3
0
22.7
EBITDA Growth (3Y)(%) -18.60
NVSL's EBITDA Growth (3Y)(%) is ranked lower than
90% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. NVSL: -18.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NVSL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -13.65 Max: 333.3
Current: -18.6
0
333.3
EPS Growth (3Y)(%) -16.40
NVSL's EPS Growth (3Y)(%) is ranked lower than
89% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. NVSL: -16.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NVSL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -10.50 Max: 41.7
Current: -16.4
0
41.7
» NVSL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

NVSL Guru Trades in Q2 2015

First Pacific Advisors 24,012 sh (unchged)
» More
Q3 2015

NVSL Guru Trades in Q3 2015

First Pacific Advisors 24,012 sh (unchged)
» More
Q4 2015

NVSL Guru Trades in Q4 2015

First Pacific Advisors 24,012 sh (unchged)
» More
Q1 2016

NVSL Guru Trades in Q1 2016

First Pacific Advisors Sold Out
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:IROQ, NAS:KFFB, AMEX:BKJ, NAS:ASBI, NAS:PBBI » 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.

Ratios

vs
industry
vs
history
P/E(ttm) 30.42
NVSL's P/E(ttm) is ranked lower than
89% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.79 vs. NVSL: 30.42 )
Ranked among companies with meaningful P/E(ttm) only.
NVSL' s P/E(ttm) Range Over the Past 10 Years
Min: 11.05  Med: 33.10 Max: 75.94
Current: 30.42
11.05
75.94
Forward P/E 15.90
NVSL's Forward P/E is ranked lower than
88% of the 376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.05 vs. NVSL: 15.90 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 30.42
NVSL's PE(NRI) is ranked lower than
89% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.69 vs. NVSL: 30.42 )
Ranked among companies with meaningful PE(NRI) only.
NVSL' s PE(NRI) Range Over the Past 10 Years
Min: 11.03  Med: 33.27 Max: 75.94
Current: 30.42
11.03
75.94
Price/Owner Earnings (ttm) 41.79
NVSL's Price/Owner Earnings (ttm) is ranked lower than
93% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.46 vs. NVSL: 41.79 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NVSL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.24  Med: 42.47 Max: 394.44
Current: 41.79
8.24
394.44
P/B 1.24
NVSL's P/B is ranked lower than
64% of the 1655 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. NVSL: 1.24 )
Ranked among companies with meaningful P/B only.
NVSL' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 0.97 Max: 1.96
Current: 1.24
0.58
1.96
P/S 3.81
NVSL's P/S is ranked lower than
67% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. NVSL: 3.81 )
Ranked among companies with meaningful P/S only.
NVSL' s P/S Range Over the Past 10 Years
Min: 1.63  Med: 2.96 Max: 8.4
Current: 3.81
1.63
8.4
PFCF 12.21
NVSL's PFCF is ranked lower than
60% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.24 vs. NVSL: 12.21 )
Ranked among companies with meaningful PFCF only.
NVSL' s PFCF Range Over the Past 10 Years
Min: 1.3  Med: 14.22 Max: 1243
Current: 12.21
1.3
1243
POCF 11.36
NVSL's POCF is ranked lower than
65% of the 992 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.94 vs. NVSL: 11.36 )
Ranked among companies with meaningful POCF only.
NVSL' s POCF Range Over the Past 10 Years
Min: 1.28  Med: 12.76 Max: 158.77
Current: 11.36
1.28
158.77
EV-to-EBIT 46.14
NVSL's EV-to-EBIT is ranked lower than
92% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. NVSL: 46.14 )
Ranked among companies with meaningful EV-to-EBIT only.
NVSL' s EV-to-EBIT Range Over the Past 10 Years
Min: -866.1  Med: 44.90 Max: 128.5
Current: 46.14
-866.1
128.5
EV-to-EBITDA 34.96
NVSL's EV-to-EBITDA is ranked lower than
90% of the 1514 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.89 vs. NVSL: 34.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
NVSL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -8372.6  Med: 40.40 Max: 3725.2
Current: 34.96
-8372.6
3725.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
NVSL's Price/Tangible Book is ranked lower than
58% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. NVSL: 1.24 )
Ranked among companies with meaningful Price/Tangible Book only.
NVSL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 0.95 Max: 1.96
Current: 1.24
0.58
1.96
Price/Projected FCF 0.71
NVSL's Price/Projected FCF is ranked lower than
58% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.66 vs. NVSL: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
NVSL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.22  Med: 0.49 Max: 0.7
Current: 0.71
0.22
0.7
Price/Median PS Value 1.29
NVSL's Price/Median PS Value is ranked lower than
80% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. NVSL: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
NVSL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 0.98 Max: 2.72
Current: 1.29
0.58
2.72
Price/Graham Number 1.30
NVSL's Price/Graham Number is ranked lower than
82% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. NVSL: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
NVSL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.56  Med: 1.35 Max: 2.37
Current: 1.3
0.56
2.37
Earnings Yield (Greenblatt) (%) 2.20
NVSL's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.00 vs. NVSL: 2.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NVSL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 1.70 Max: 2.7
Current: 2.2
0.8
2.7

More Statistics

Revenue (TTM) (Mil) $20.11
EPS (TTM) $ 0.36
Short Percentage of Float0.10%
52-Week Range $8.56 - 11.19
Shares Outstanding (Mil)7.00
» 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 

More From Other Websites
Liberty Bank Completes Acquisition Of Naugatuck Valley Financial Corporation And Naugatuck Valley... Jan 15 2016
Moving Ahead of Averages, Technical Review - Research on Argos Therapeutics, Naugatuck Valley... Dec 03 2015
State of Connecticut Regulatory Approval Nov 03 2015
Naugatuck Valley Financial Corporation Shareholders Approve Pending Merger with Liberty Bank Oct 14 2015
FDIC Regulatory Approval Press Release Sep 30 2015
Naugatuck Valley Financial Corp. Earnings Q2, 2015 Sep 11 2015
Lifshitz & Miller Law Firm Announces Investigation of Bio-Reference Laboratories, Inc., DARA... Jun 16 2015
NAUGATUCK VALLEY FINANCIAL CORPORATION SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces... Jun 10 2015
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of Naugatuck... Jun 08 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of Naugatuck Valley Financial... Jun 08 2015
NAUGATUCK VALLEY FINANCIAL CORPORATION SHAREHOLDER ALERT: Former SEC Attorney Willie Briscoe and... Jun 05 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of Naugatuck Valley Financial... Jun 05 2015
Law Firm Kirby McInerney LLP Investigating Potential Claims on Behalf of Naugatuck Valley Financial... Jun 04 2015
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of Naugatuck... Jun 04 2015
Harwood Feffer LLP Announces Investigation of Naugatuck Valley Financial Corporation Jun 04 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of Naugatuck Valley Financial... Jun 04 2015
SHAREHOLDER ALERT: Pomerantz LLP Investigates Claims That the Merger May Not Be in the Best Interest... Jun 04 2015
NAUGATUCK VALLEY FINANCIAL SHAREHOLDER NOTICE: Faruqi & Faruqi, LLP Announces the Investigation of... Jun 04 2015
Liberty Bank and Naugatuck Valley Financial Corporation Announce Merger Agreement Jun 04 2015
Liberty Bank And Naugatuck Valley Financial Corporation Announce Merger Agreement Jun 04 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)