Malvern Bancorp

Financial Services banks lending mortgages payments

Malvern Bancorp provides various banking products and services to consumer and business customers in Pennsylvania. The Сompany offers checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits; and debit and credit card, wire transfer, automated teller, Internet banking, ACH origination, safe deposit box, telephone banking, and mobile banking services.

It also provides 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, including commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans, such as home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit.

Market capitalization(2018-04-23)

$163.5 M

Total Loans(Q3, 2017)

$792.1 M

Type

Public

Paoli, US

Founded

1887

Size (employees)

81 (est)+15%

Website

malvernfederal.com

Malvern Bancorp was founded in 1887 and is headquartered in Paoli, US

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Malvern Bancorp Office Locations

Malvern Bancorp has an office in Paoli

Paoli, US (HQ)

42 Lancaster Ave

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Malvern Bancorp Financials and Metrics

Malvern Bancorp Financials

Malvern Bancorp's revenue was reported to be $27.58 m in FY, 2016 which is a 19.9% increase from the previous period.

Summary

USD
Net income (FY, 2017)	5.8 m
EBIT (FY, 2017)	21.5 m
Market capitalization (23-Apr-2018)	163.5 m
Cash (30-Sep-2017)	117.1 m
EV	164.4 m

Malvern Bancorp's current market capitalization is $163.5 m.

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Revenue	25.2 m	22.3 m	23 m	27.6 m
Revenue growth, %		(11%)	3%	20%
Cost of goods sold	6.9 m	5.1 m	5.2 m	6.7 m	9.4 m
Gross profit	18.2 m	17.3 m	17.7 m	20.8 m

Quarterly

USD	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Cost of goods sold	1.3 m	1.3 m	1.3 m	1.3 m	1.3 m	1.3 m	1.5 m	1.7 m	1.8 m	1.9 m	2.2 m	2.6 m
Sales and marketing expense	2.2 m	2.3 m	2.1 m	1.8 m	1.6 m	1.4 m	1.5 m	1.5 m	1.6 m	51 k	73 k	67 k
R&D expense	330 k	308 k	295 k	302 k	301 k	312 k	297 k	270 k	278 k	302 k	301 k	308 k
Operating expense total	2.6 m	2.6 m	2.4 m	2.1 m	1.9 m	1.7 m	1.8 m	1.8 m	1.9 m	2.1 m	2.2 m	2.2 m

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Balance Sheet

Annual

USD	FY, 2015	FY, 2016	FY, 2017
Cash	40.3 m	96.8 m	117.1 m
Accounts Receivable	2.5 m	2.6 m
Inventories
PP&E	6.5 m	6.6 m	7.5 m

Quarterly

USD	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Cash	24.3 m	56.4 m	58 m	78.4 m	63.3 m	65.8 m	113.4 m
PP&E	6.5 m	6.5 m	6.5 m	6.7 m	6.8 m	6.9 m	7.2 m
Total Assets	624.2 m	727.1 m	764 m	796.3 m	879 m	961.8 m	1 b
Accounts Payable	443.2 m	534.7 m	548.8 m	579 m	658.6 m	704.3 m	759.7 m

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Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Net Income	(18.8 m)	323 k	3.7 m	12.2 m	5.8 m
Depreciation and Amortization			646 k	650 k	724 k
Inventories
Accounts Payable	139 k	149 k

Quarterly

USD	Q1, 2014	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Net Income			391 k	321 k	1 m	2.5 m	1.3 m	2.6 m	4.2 m	1.2 m	2.6 m	4.7 m
Depreciation and Amortization						484 k	158 k	316 k	478 k	179 k	361 k	544 k
Accounts Payable	133 k	128 k	148 k	251 k	307 k
Cash From Operating Activities						3 m	1.4 m	4.7 m	6.7 m	1.2 m	2.7 m	8.1 m

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Ratios

USD	Y, 2017
EV/EBIT	7.6 x
EV/CFO	16.7 x
Financial Leverage	10.2 x

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Malvern Bancorp Operating Metrics

Malvern Bancorp's Total Loans was reported to be $792.1m in Q3, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Non-accrual Loans	$2.39 m	$2.33 m	$1.83 m	$1.36 m	$1.40 m	$795 k	$853 k	$1.04 m	$1.62 m	$1.83 m	$1.57 m	$1.56 m
Non-performing Loans	$2.39 m	$2.33 m	$1.83 m	$1.36 m	$1.40 m	$795 k	$853 k	$1.04 m	$2.31 m	$11.95 m	$1.69 m	$1.88 m
Total Loans	$388.58 m	$389.54 m	$387.26 m	$378.95 m	$394.20 m	$420.60 m	$494.01 m	$542.99 m	$578.39 m	$612.39 m	$717.38 m	$792.14 m