HVBC · Hv Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | $838.0K | $497.0K | $148.0K | $637.0K | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $674.0K | $706.0K | $587.0K | $378.0K | $238.0K | $190.0K |
| Operating Income | $2.81M | $5.52M | $7.97M | $1.07M | $1.01M | $1.55M |
| Interest Expense | $4.03M | $2.21M | $3.14M | $2.93M | $1.35M | $746.0K |
| Income Tax | $575.0K | $1.46M | $2.20M | $194.0K | $244.0K | $525.0K |
| Net Income | $2.23M | $4.05M | $5.77M | $879.0K | $770.0K | $1.03M |
| EPS - Basic | $1.12 | $2.04 | $2.84 | $0.43 | $0.38 | $0.56 |
| EPS - Diluted | $1.06 | $1.98 | $2.84 | $0.43 | $0.38 | $0.56 |
Balance Sheet
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $16.28M | $120.79M | $414.59M | $20.63M | $14.74M | $28.58M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $615.76M | $560.12M | $861.61M | $354.59M | $297.76M | $216.76M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $573.66M | $517.49M | $822.68M | $320.99M | $267.04M | $185.32M |
| Stockholders' Equity | $42.09M | $42.64M | $38.93M | $33.60M | $30.72M | $31.44M |
| Retained Earnings | $27.02M | $24.79M | $20.74M | $14.97M | $13.28M | $13.55M |
Cash Flow
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $30.49M | $42.89M | ($37.42M) | ($18.37M) | $12.74M | ($6.19M) |
| Investing Cash Flow | ($192.96M) | ($32.24M) | ($62.47M) | ($20.23M) | ($34.26M) | ($6.55M) |
| Financing Cash Flow | $57.96M | ($304.46M) | $493.86M | $44.10M | $34.67M | $12.57M |
| CapEx | $116.0K | $1.03M | $798.0K | $759.0K | $276.0K | $203.0K |
| Free Cash Flow | $30.37M | $41.86M | ($38.22M) | ($19.13M) | $12.47M | ($6.39M) |
Ratios
| Metric | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 334.7% | 1109.9% | 5386.5% | 168.4% | - | - |
| EBITDA margin | 415.2% | 1251.9% | 5783.1% | 227.8% | - | - |
| Net margin | 266.1% | 815.3% | 3897.3% | 138.0% | - | - |
| Free cash flow margin | 3624.6% | 8422.9% | -25826.4% | -3003.6% | - | - |
| FCF / Net income | 13.62 | 10.33 | -6.63 | -21.77 | 16.19 | -6.23 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.5% | 26.5% | 27.6% | 18.1% | 24.1% | 33.8% |
| Return on assets | 0.4% | 0.7% | 0.7% | 0.2% | 0.3% | 0.5% |
| Return on equity | 5.3% | 9.5% | 14.8% | 2.6% | 2.5% | 3.3% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 0.7x | 2.5x | 2.5x | 0.4x | 0.8x | 2.1x |
| Equity multiplier | 14.63 | 13.14 | 22.13 | 10.55 | 9.69 | 6.89 |
| Liabilities / Assets | 0.93 | 0.92 | 0.95 | 0.91 | 0.90 | 0.85 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | 0.00 | 0.00 | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 68.6% | 235.8% | -76.8% | - | - | - |
| Revenue CAGR (3y) | 9.6% | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -49.1% | -30.8% | 643.0% | 5.8% | -34.6% | - |
| Net income growth (YoY) | -45.0% | -29.8% | 556.2% | 14.2% | -25.0% | - |
| EPS growth (YoY) | -46.5% | -30.3% | 560.5% | 13.2% | -32.1% | - |
| EPS CAGR (3y) | 35.1% | 73.4% | 71.8% | - | - | - |
| EPS CAGR (5y) | 13.6% | - | - | - | - | - |
| FCF growth (YoY) | -27.4% | - | -99.8% | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | -1.3% | 9.5% | 15.9% | 9.4% | -2.3% | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2021-12-31.
Product / service
$497.0K totalFees For Customer Service$309.0K · 62.2%
Bank Servicing$97.0K · 19.5%
Insufficient Funds Fees$75.0K · 15.1%
ATMInterchange Fee Income$14.0K · 2.8%
Other$2.0K · 0.4%
Stability scores
Piotroski F-score
FY 2022 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing HV Bancorp against the 5 most active filers in the same SIC group.