Malvern Bancorp (MLVF) and Clifton Bancorp (CSBK) Critical Analysis
Malvern Bancorp (NASDAQ: MLVF) and Clifton Bancorp (NASDAQ:CSBK) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, valuation, dividends, profitabiliy, earnings and institutional ownership.
Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. Malvern Bancorp does not pay a dividend. Clifton Bancorp pays out 96.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
This is a breakdown of current recommendations and price targets for Malvern Bancorp and Clifton Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Malvern Bancorp currently has a consensus target price of $24.00, indicating a potential downside of 4.38%. Clifton Bancorp has a consensus target price of $17.00, indicating a potential upside of 3.47%. Given Clifton Bancorp’s higher possible upside, analysts clearly believe Clifton Bancorp is more favorable than Malvern Bancorp.
This table compares Malvern Bancorp and Clifton Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Insider & Institutional Ownership
58.4% of Malvern Bancorp shares are held by institutional investors. Comparatively, 61.6% of Clifton Bancorp shares are held by institutional investors. 3.2% of Malvern Bancorp shares are held by company insiders. Comparatively, 6.3% of Clifton Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares Malvern Bancorp and Clifton Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Malvern Bancorp||$22.67 million||7.13||$12.43 million||$1.93||13.01|
|Clifton Bancorp||$29.40 million||11.94||$5.34 million||$0.25||65.72|
Malvern Bancorp has higher revenue, but lower earnings than Clifton Bancorp. Malvern Bancorp is trading at a lower price-to-earnings ratio than Clifton Bancorp, indicating that it is currently the more affordable of the two stocks.
Clifton Bancorp beats Malvern Bancorp on 7 of the 13 factors compared between the two stocks.
About Clifton Bancorp
Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.
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