Market Price

21.09 

0.99 4.9%

as of Aug 16 '19

52 Week Range:

18.03 25.65


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Malvern Bancorp, Inc. operates as the bank holding company for Malvern Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company accepts checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits. Its loan products include residential mortgage loans, such as one class and one-to four-family first lien residential mortgage loans; residential and commercial construction loans, and land loans; commercial loans, such as commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans comprising home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. The company also offers credit cards; wealth management and advisory services, such as liquidity management, investment, 401k accounts and planning, custody, lending, wealth planning, trust and fiduciary, family wealth advisory, and philanthropic advisory services; insurance services; and wire transfer, automated teller, Internet banking, ACH origination, telephone and mobile banking, safe deposit box, remote deposit capture banking, and mobile remote deposit capture banking services. As of September 30, 2018, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; private banking offices in Morristown, New Jersey and Palm Beach, Florida; and leases representative office in Montchanin, Delaware. Malvern Bancorp, Inc. was founded in 1887 and is based in Paoli, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Equity (BVPS) 11.19
11.36
10.85
9.88
10.19
14.42
11.69
12.17
13.21
15.16
16.41
growth rate 1.5% -4.5% -8.9% 3.1% 41.5% -18.9% 4.1% 8.6% 14.8% 8.3%
Earnings BIT 2.08
6.46
-1.50
-7.95
2.59
-12.79
growth rate 210.3% -100.0% 0.0% 100.0% -100.0%
Avg.PE 200.00
57.14
-16.80
-7.10
31.65
-1.72
236.96
30.10
11.24
27.61
17.54
growth rate -71.4% -100.0% 0.0% 100.0% -100.0% 100.0% -87.3% -62.7% 145.6% -36.5%
ROA 0.24
0.15
-0.44
-0.88
0.28
-2.86
0.06
0.62
1.62
0.62
0.70
growth rate -37.5% -100.0% 0.0% 100.0% -100.0% 100.0% 933.3% 161.3% -61.7% 12.9%
ROE 2.57
1.46
-4.60
-9.66
3.19
-27.24
0.42
4.68
13.57
5.90
6.85
growth rate -43.2% -100.0% 0.0% 100.0% -100.0% 100.0% 1,014.3% 190.0% -56.5% 16.1%
ROIC 8.34
9.14
3.69
0.28
7.57
-12.75
4.27
growth rate 9.6% -59.6% -92.4% 2,603.6% -100.0% 100.0%
Leverage 9.29
9.90
10.88
11.06
11.36
7.98
7.06
8.06
8.68
10.20
9.33
growth rate 6.6% 9.9% 1.7% 2.7% -29.8% -11.5% 14.2% 7.7% 17.5% -8.5%
Balance Sheet Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Acct.Receivable 2.23
2.11
1.90
growth rate -5.1% -10.2%
Acct.Payable 0.71
0.27
0.23
412.95
465.52
602.05
790.40
774.16
growth rate -62.2% -12.7% 1,110.2% 12.7% 29.3% 31.3% -2.1%
Cur.Assets 22.47
43.92
99.32
120.65
35.88
growth rate 95.4% 126.2% 21.5% -70.3%
Total Assets 639.50
691.64
720.51
666.57
711.80
601.60
542.26
655.69
821.27
1,046.01
1,033.95
growth rate 8.2% 4.2% -7.5% 6.8% -15.5% -9.9% 20.9% 25.3% 27.4% -1.2%
Cash 12.90
63.83
133.40
117.03
131.90
23.70
15.99
36.56
91.96
117.14
30.83
growth rate 394.8% 109.0% -12.3% 12.7% -82.0% -32.5% 128.7% 151.5% 27.4% -73.7%
Inventory 1.96
1.17
growth rate -40.5%
Cur.Liabilities 423.10
485.92
637.47
831.09
867.45
growth rate 14.9% 31.2% 30.4% 4.4%
Liabilities 570.70
621.80
654.30
606.28
649.20
526.10
465.49
572.94
725.12
943.49
923.13
growth rate 9.0% 5.2% -7.3% 7.1% -19.0% -11.5% 23.1% 26.6% 30.1% -2.2%
LT Debt 113.80
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
38.00
83.35
83.54
107.30
52.46
growth rate 1,665.4% 0.1% 0.1% 0.1% 0.1% -98.1% 119.3% 0.2% 28.4% -51.1%
Equity 68.80
69.84
66.21
60.28
62.60
75.40
76.77
82.75
96.16
102.52
110.82
growth rate 1.5% -5.2% -9.0% 3.8% 20.5% 1.8% 7.8% 16.2% 6.6% 8.1%
Common Shares 6.00
6,152,500.00
6.00
6.00
6.00
6.00
6.00
6.00
6.00
6.00
6.00
growth rate 102,541,566.7% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Capital Expenditures 0.50
0.28
1.19
0.23
0.20
0.30
0.24
0.36
0.75
1.59
0.56
growth rate -44.6% 327.8% -80.8% -11.9% 50.0% -18.7% 46.7% 110.1% 112.0% -64.8%
Cash Dividends 0.10
0.42
0.33
0.08
0.00
0.00
growth rate 315.0% -21.2% -75.2% -100.0%
Cash From OA 1.40
5.15
-0.35
7.82
3.90
-0.03
3.25
9.33
9.83
9.06
growth rate 267.7% -100.0% 100.0% -50.1% -100.0% 100.0% 187.6% 5.3% -7.9%
FCF per Share 0.14
0.82
-0.25
1.24
0.64
3.66
-3.96
0.45
0.94
1.48
1.20
growth rate 485.7% -100.0% 100.0% -48.4% 471.9% -100.0% 100.0% 108.9% 57.5% -18.9%
Sale Purchase of Stock -0.02
-0.46
growth rate 0.0%
FCF 1.00
5.00
-2.00
8.00
4.00
-2.00
-1.00
3.00
9.00
8.00
8.00
growth rate 400.0% -100.0% 100.0% -50.0% -100.0% 0.0% 100.0% 200.0% -11.1% 0.0%
Income Statement Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Sales 16.30
36.71
35.09
31.46
19.80
18.20
17.03
17.66
19.90
23.89
28.20
growth rate 125.2% -4.4% -10.4% -37.1% -8.1% -6.4% 3.7% 12.7% 20.1% 18.1%
Op.Income 2.10
1.01
-3.13
-6.11
2.60
-12.80
0.82
4.44
6.58
8.81
10.69
growth rate -51.9% -100.0% 0.0% 100.0% -100.0% 100.0% 440.3% 48.4% 33.9% 21.4%
IBT 2.08
1.25
-5.02
-9.69
2.59
0.34
3.70
5.98
8.74
11.58
growth rate -39.8% -100.0% 0.0% 100.0% -63.6% 975.0% 61.6% 46.2% 32.5%
Net Income 1.50
1.01
-3.13
-6.11
2.00
-18.80
0.71
4.67
12.15
5.82
7.31
growth rate -32.7% -100.0% 0.0% 100.0% -100.0% 100.0% 556.5% 160.3% -52.1% 25.6%
EPS 0.05
0.17
-0.53
-0.96
0.31
-2.96
0.05
0.73
1.90
0.90
1.13
growth rate 240.0% -100.0% 0.0% 100.0% -100.0% 100.0% 1,360.0% 160.3% -52.6% 25.6%
Gross Profit 17.03
17.66
19.90
23.89
28.20
growth rate 3.7% 12.7% 20.1% 18.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 787.93
774.16
843.20
942.37
957.20
growth rate -1.8% 8.9% 11.8% 1.6%
Cur.Assets 52.08
35.88
111.27
123.51
160.07
growth rate -31.1% 210.1% 11.0% 29.6%
Total Assets 1,053.58
1,033.95
1,128.49
1,210.24
1,265.88
growth rate -1.9% 9.1% 7.2% 4.6%
Cash 47.38
30.83
99.88
110.82
150.04
growth rate -34.9% 223.9% 11.0% 35.4%
Inventory 5.80
5.80
5.80
growth rate 0.0% 0.0%
Cur.Liabilities 831.53
867.45
935.80
1,015.64
958.64
growth rate 4.3% 7.9% 8.5% -5.6%
Liabilities 945.60
923.13
992.81
1,072.67
1,126.21
growth rate -2.4% 7.6% 8.0% 5.0%
LT Debt 107.42
52.46
52.50
52.54
157.58
growth rate -51.2% 0.1% 0.1% 199.9%
Equity 107.97
110.82
135.68
137.57
139.67
growth rate 2.6% 22.4% 1.4% 1.5%
Common Shares 0.07
0.07
0.08
0.08
0.08
growth rate 0.0% 18.2% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 0.08
0.13
0.08
0.07
growth rate 73.3% -40.0% -7.7%
Cash Dividends
growth rate
Cash From OA 2.55
2.08
3.38
1.90
growth rate -18.2% 62.2% -43.9%
Sale Purchase of Stock
growth rate
FCF 2.47
1.95
3.30
1.83
growth rate -21.0% 69.0% -44.8%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 7.10
7.41
6.64
6.82
7.86
growth rate 4.4% -10.4% 2.7% 15.2%
Op.Income 2.39
3.05
2.64
2.48
3.47
growth rate 27.6% -13.5% -6.0% 40.0%
IBT 2.31
2.98
2.55
2.38
3.36
growth rate 28.7% -14.5% -6.6% 41.4%
Net Income 2.24
2.64
2.01
1.97
2.66
growth rate 17.8% -23.9% -2.2% 35.1%
EPS
growth rate
Gross Profit 7.10
7.41
6.64
6.82
7.86
growth rate 4.4% -10.4% 2.7% 15.2%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (56.10)

YOY Growth Grade:

E (24.74)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.44 15.93 10.72
EPS / Growth 76.2% 1.32 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.0% 6.5% 6.5%
Future PE 10.00 13.36 13.36
Future EPS 2.16 2.48 2.48
Value Price
MOS %
5.33
-74.7%
8.18
-61.2%
8.18
-61.2%
MOS Price 2.67 4.09 4.09
IRT 11.56 10.80 10.80

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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