MLVF · Malvern 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 | $1.24M | $1.32M | $1.32M | $1.80M | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $627.0K | $630.0K | $745.0K | $761.0K | $758.0K | $724.0K |
| Operating Income | $8.88M | ($304.0K) | $4.56M | $11.80M | $5.98M | - |
| Interest Expense | $5.68M | $10.36M | $17.27M | $18.58M | $12.99M | $9.45M |
| Income Tax | $1.92M | ($212.0K) | $957.0K | $2.47M | $4.28M | $2.92M |
| Net Income | $6.95M | ($92.0K) | $3.60M | $9.33M | $7.31M | $5.82M |
| EPS - Basic | $0.92 | $0.01 | $0.47 | $1.22 | $1.13 | $0.90 |
| EPS - Diluted | $0.92 | $0.01 | $0.47 | $1.22 | $1.13 | $0.90 |
Balance Sheet
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $53.27M | $136.59M | $61.44M | $153.54M | $30.83M | $117.14M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.04B | $1.21B | $1.21B | $1.27B | $1.03B | $1.05B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $897.91M | $1.07B | $1.07B | $1.12B | $923.13M | $943.49M |
| Stockholders' Equity | $146.44M | $142.17M | $143.55M | $142.51M | $110.82M | $102.52M |
| Retained Earnings | $67.25M | $60.30M | $63.34M | $59.74M | $50.41M | $43.14M |
Cash Flow
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.90M | $14.76M | $11.73M | $10.24M | $9.06M | $9.33M |
| Investing Cash Flow | $73.63M | $58.01M | ($35.33M) | ($103.14M) | ($76.38M) | ($104.21M) |
| Financing Cash Flow | ($162.86M) | $2.38M | ($68.50M) | $215.61M | ($18.98M) | $151.38M |
| CapEx | $81.0K | $175.0K | $300.0K | $258.0K | $561.0K | $1.59M |
| Free Cash Flow | $5.82M | $14.58M | $11.43M | $9.98M | $8.50M | $7.74M |
Ratios
| Metric | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 717.5% | -23.0% | 346.4% | 657.1% | - | - |
| EBITDA margin | 768.1% | 24.6% | 403.0% | 699.4% | - | - |
| Net margin | 561.9% | -7.0% | 273.6% | 519.6% | - | - |
| Free cash flow margin | 470.4% | 1102.1% | 868.2% | 555.8% | - | - |
| FCF / Net income | 0.84 | -158.49 | 3.17 | 1.07 | 1.16 | 1.33 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 21.7% | - | 21.0% | 20.9% | 36.9% | 33.4% |
| Return on assets | 0.7% | -0.0% | 0.3% | 0.7% | 0.7% | 0.6% |
| Return on equity | 4.7% | -0.1% | 2.5% | 6.5% | 6.6% | 5.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 1.6x | -0.0x | 0.3x | 0.6x | 0.5x | - |
| Equity multiplier | 7.13 | 8.51 | 8.44 | 8.88 | 9.33 | 10.20 |
| Liabilities / Assets | 0.86 | 0.88 | 0.88 | 0.89 | 0.89 | 0.90 |
| 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) | -6.5% | 0.5% | -26.7% | - | - | - |
| Revenue CAGR (3y) | -11.7% | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | -61.4% | 97.5% | - | - |
| Net income growth (YoY) | - | - | -61.4% | 27.7% | 25.6% | -51.3% |
| EPS growth (YoY) | 9100.0% | -97.9% | -61.5% | 8.0% | 25.6% | -51.6% |
| EPS CAGR (3y) | -9.0% | -79.3% | -19.5% | -13.1% | - | - |
| EPS CAGR (5y) | 0.4% | -64.8% | - | - | - | - |
| FCF growth (YoY) | -60.1% | 27.6% | 14.5% | 17.5% | 9.8% | -9.8% |
| FCF CAGR (5y) | -5.5% | 11.2% | 31.7% | - | 18.6% | 16.1% |
| Book value growth (YoY) | 3.0% | -1.0% | 0.7% | 28.6% | 8.1% | 8.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2022-09-30.
Product / service
$1.24M totalOther Loan Fee Income$518.0K · 41.9%
Debit Card Fees$295.0K · 23.8%
Other Fee Income$169.0K · 13.7%
DDAFee$113.0K · 9.1%
DDAService Fee$100.0K · 8.1%
Credit Card Fees$27.0K · 2.2%
ATMFees$8.0K · 0.6%
Other Non Interest Income$7.0K · 0.6%
Stability scores
Piotroski F-score
FY 2022 · 9-point quality
5/9
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: Savings Institution, Federally Chartered
Comparing MALVERN BANCORP against the 5 most active filers in the same SIC group.