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 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '20 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $210.0K | - | $213.0K | $208.0K | $205.0K | - | $135.0K | $62.0K | $51.0K | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $144.0K | - | - | - | $187.0K | - | - | - | $147.0K | - |
| Operating Income | $866.0K | - | $836.0K | $822.0K | $731.0K | - | $1.48M | $1.83M | $434.0K | - |
| Interest Expense | $2.73M | - | $864.0K | $542.0K | $534.0K | - | $573.0K | $546.0K | $1.04M | - |
| Income Tax | $258.0K | - | $131.0K | $182.0K | $130.0K | - | $362.0K | $544.0K | $101.0K | - |
| Net Income | $608.0K | - | $705.0K | $640.0K | $601.0K | - | $1.12M | $1.28M | $333.0K | - |
| EPS - Basic | $0.30 | - | $0.35 | $0.33 | $0.30 | - | $0.56 | $0.65 | $0.16 | - |
| EPS - Diluted | $0.28 | - | $0.34 | $0.31 | $0.29 | - | $0.54 | $0.63 | $0.16 | - |
Balance Sheet
| Line item | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '20 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $21.19M | $16.28M | $27.09M | $37.09M | $121.09M | $120.79M | $84.68M | $79.52M | $138.15M | $414.59M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $625.53M | $615.76M | $603.25M | $570.65M | $556.53M | $560.12M | $536.32M | $548.56M | $595.73M | $861.61M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $582.17M | $573.66M | $561.84M | $529.43M | $515.10M | $517.49M | $493.85M | $507.12M | $555.88M | $822.68M |
| Stockholders' Equity | $43.37M | $42.09M | $41.41M | $41.22M | $41.42M | $42.64M | $42.47M | $41.44M | $39.85M | $38.93M |
| Retained Earnings | $27.83M | $27.02M | $26.74M | $26.03M | $25.39M | $24.79M | $24.44M | $23.32M | $22.04M | $20.74M |
Cash Flow
| Line item | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '20 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.40M | - | - | - | $28.77M | - | - | - | ($3.95M) | - |
| Investing Cash Flow | ($17.25M) | - | - | - | ($27.12M) | - | - | - | $5.43M | - |
| Financing Cash Flow | $6.76M | - | - | - | ($1.34M) | - | - | - | $5.54M | - |
| CapEx | $14.0K | - | - | - | $23.0K | - | - | - | $231.0K | - |
| Free Cash Flow | $15.39M | - | - | - | $28.74M | - | - | - | ($4.18M) | - |
Ratios
| Metric | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '20 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 412.4% | - | 392.5% | 395.2% | 356.6% | - | 1095.6% | 2945.2% | 851.0% | - |
| EBITDA margin | 481.0% | - | - | - | 447.8% | - | - | - | 1139.2% | - |
| Net margin | 289.5% | - | 331.0% | 307.7% | 293.2% | - | 827.4% | 2067.7% | 652.9% | - |
| Free cash flow margin | 7328.1% | - | - | - | 14021.5% | - | - | - | -8196.1% | - |
| FCF / Net income | 25.31 | - | - | - | 47.83 | - | - | - | -12.55 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 29.8% | - | 15.7% | 22.1% | 17.8% | - | 24.5% | 29.8% | 23.3% | - |
| Return on assets | 0.1% | - | 0.1% | 0.1% | 0.1% | - | 0.2% | 0.2% | 0.1% | - |
| Return on equity | 1.4% | - | 1.7% | 1.6% | 1.5% | - | 2.6% | 3.1% | 0.8% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 0.3x | - | 1.0x | 1.5x | 1.4x | - | 2.6x | 3.3x | 0.4x | - |
| Equity multiplier | 14.42 | 14.63 | 14.57 | 13.84 | 13.44 | 13.14 | 12.63 | 13.24 | 14.95 | 22.13 |
| Liabilities / Assets | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 | 0.92 | 0.92 | 0.92 | 0.93 | 0.95 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 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) | 2.4% | - | 57.8% | 235.5% | - | - | 229.3% | 51.2% | 13.3% | - |
| Revenue CAGR (3y) | 60.3% | - | -2.1% | 4.0% | 65.8% | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 18.5% | - | -43.5% | -55.0% | - | - | -48.1% | -12.5% | 21.2% | - |
| Net income growth (YoY) | 1.2% | - | -36.9% | -50.1% | - | - | -45.9% | -14.3% | 23.3% | - |
| EPS growth (YoY) | -3.4% | - | -37.0% | -50.8% | - | - | -47.1% | -13.7% | 23.1% | - |
| EPS CAGR (3y) | 20.5% | - | 124.6% | 64.2% | 30.7% | - | 97.6% | 99.0% | - | - |
| EPS CAGR (5y) | 20.5% | - | 46.7% | - | - | - | - | - | - | - |
| FCF growth (YoY) | -46.5% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | 39.3% | - | - | - | 31.3% | - | - | - | - | - |
| Book value growth (YoY) | 4.7% | -1.3% | -2.5% | -0.5% | - | 9.5% | 14.1% | 17.5% | 28.5% | 15.9% |
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%
Peer comparison
Same SIC group: State Commercial Banks
Comparing HV Bancorp against the 5 most active filers in the same SIC group.