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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 : 4/10

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Interest Coverage 0.81
NVSL's Interest Coverage is ranked lower than
99.99% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. NVSL: 0.81 )
Ranked among companies with meaningful Interest Coverage only.
NVSL' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.81
Current: 0.81
0
0.81
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

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» NVSL's 10-Y Financials

Financials (Next Earnings Date: 0)


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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:IROQ, OTCBB:NIDB, NAS:HFBC, NAS:MSBF, NAS:LSBK, NAS:KFFB, AMEX:BKJ, NAS:PBSK, OTCBB:NWIN, NAS:PBBI, NAS:FCLF, OTCPK:SFDL, OTCPK:GRRB, NAS:HMNF, NAS:ANCB, NAS:UCBA, NAS:FSBK, NAS:CBNK, NAS:LPSB, OTCPK:VLLX » 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

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Buy Back

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Yield on cost (5-Year) 0.13
NVSL's Yield on cost (5-Year) is ranked lower than
99% of the 2523 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.51 vs. NVSL: 0.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NVSL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.13

Valuation & Return

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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

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