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 | Q2 '23 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '21 | Q3 '21 | Q2 '21 | Q3 '20 | Q2 '20 | Q1 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $219.0K | $177.0K | - | - | $454.0K | $344.0K | $419.0K | $195.0K | $604.0K | $259.0K |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | $144.0K | - | - | $159.0K | - | - | - | - | $187.0K |
| Operating Income | $801.0K | $2.48M | $2.34M | $670.0K | $2.66M | $2.09M | $2.91M | $1.90M | $2.49M | $2.93M |
| Interest Expense | $3.94M | $2.60M | $1.26M | $1.35M | $1.67M | $2.29M | $2.74M | $3.82M | $4.79M | $4.91M |
| Income Tax | $230.0K | $569.0K | $502.0K | $148.0K | $640.0K | $489.0K | $682.0K | $447.0K | $586.0K | $431.0K |
| Net Income | $571.0K | $1.91M | $1.83M | $522.0K | $2.02M | $1.60M | $2.22M | $1.45M | $1.91M | $2.50M |
| EPS - Basic | $0.08 | $0.25 | $0.24 | $0.07 | $0.27 | $0.21 | $0.30 | $0.19 | $0.25 | $0.33 |
| EPS - Diluted | $0.08 | $0.25 | $0.24 | $0.07 | $0.27 | $0.21 | $0.30 | $0.19 | $0.25 | $0.33 |
Balance Sheet
| Line item | Q2 '23 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '21 | Q3 '21 | Q2 '21 | Q3 '20 | Q2 '20 | Q1 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $31.45M | $35.01M | $53.27M | $122.02M | $134.90M | $136.59M | $108.91M | $61.44M | $126.07M | $159.80M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $996.30M | $1.02B | $1.04B | $1.10B | $1.15B | $1.21B | $1.21B | $1.21B | $1.24B | $1.26B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $848.37M | $869.06M | $897.91M | $959.05M | $1.01B | $1.07B | $1.06B | $1.07B | $1.09B | $1.12B |
| Stockholders' Equity | $147.93M | $148.74M | $146.44M | $144.55M | $144.56M | $142.17M | $145.85M | $143.55M | $143.15M | $145.25M |
| Retained Earnings | $69.73M | $69.16M | $67.25M | $62.84M | $62.31M | $60.30M | $64.89M | $63.34M | $62.44M | $62.25M |
Cash Flow
| Line item | Q2 '23 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '21 | Q3 '21 | Q2 '21 | Q3 '20 | Q2 '20 | Q1 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | $7.00M | - | - | ($966.0K) | - | - | - | - | $7.89M |
| Investing Cash Flow | - | $4.13M | - | - | $54.19M | - | - | - | - | $7.77M |
| Financing Cash Flow | - | ($29.39M) | - | - | ($54.91M) | - | - | - | - | ($9.41M) |
| CapEx | - | $48.0K | - | - | $18.0K | - | - | - | - | $103.0K |
| Free Cash Flow | - | $6.96M | - | - | ($984.0K) | - | - | - | - | $7.79M |
Ratios
| Metric | Q2 '23 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '21 | Q3 '21 | Q2 '21 | Q3 '20 | Q2 '20 | Q1 '20 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 365.8% | 1399.4% | - | - | 585.2% | 607.6% | 693.6% | 974.9% | 412.9% | 1132.4% |
| EBITDA margin | - | 1480.8% | - | - | 620.3% | - | - | - | - | 1204.6% |
| Net margin | 260.7% | 1078.0% | - | - | 444.3% | 465.4% | 530.8% | 745.6% | 315.9% | 966.0% |
| Free cash flow margin | - | 3929.9% | - | - | -216.7% | - | - | - | - | 3008.1% |
| FCF / Net income | - | 3.65 | - | - | -0.49 | - | - | - | - | 3.11 |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 28.7% | 23.0% | 21.5% | 22.1% | 24.1% | 23.4% | 23.5% | 23.5% | 23.5% | 14.7% |
| Return on assets | 0.1% | 0.2% | 0.2% | 0.0% | 0.2% | 0.1% | 0.2% | 0.1% | 0.2% | 0.2% |
| Return on equity | 0.4% | 1.3% | 1.3% | 0.4% | 1.4% | 1.1% | 1.5% | 1.0% | 1.3% | 1.7% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 0.2x | 1.0x | 1.8x | 0.5x | 1.6x | 0.9x | 1.1x | 0.5x | 0.5x | 0.6x |
| Equity multiplier | 6.74 | 6.84 | 7.13 | 7.63 | 7.98 | 8.51 | 8.27 | 8.44 | 8.64 | 8.68 |
| Liabilities / Assets | 0.85 | 0.85 | 0.86 | 0.87 | 0.87 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | 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) | - | - | - | - | 75.3% | 76.4% | -30.6% | -63.2% | 153.8% | -4.4% |
| Revenue CAGR (3y) | -28.7% | -11.9% | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 19.6% | - | 11.8% | -76.9% | -9.4% | 9.9% | 16.5% | -43.5% | 4.9% | 15.2% |
| Net income growth (YoY) | 9.4% | - | 14.6% | -76.5% | -19.4% | 10.1% | 16.6% | -45.3% | -3.0% | 24.4% |
| EPS growth (YoY) | 14.3% | - | 14.3% | -76.7% | -18.2% | 10.5% | 20.0% | -45.7% | -3.8% | 22.2% |
| EPS CAGR (3y) | -31.6% | -8.8% | -11.8% | -35.4% | 65.1% | -15.7% | -1.1% | -16.0% | 4.4% | 22.4% |
| EPS CAGR (5y) | -23.7% | 33.0% | -5.6% | -20.5% | - | -3.4% | 8.4% | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | 135.9% |
| FCF CAGR (5y) | - | 10.5% | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 2.3% | - | 3.0% | -0.9% | -0.5% | -1.0% | 1.9% | 0.7% | 4.1% | 7.1% |
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%
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing MALVERN BANCORP against the 5 most active filers in the same SIC group.