Clifton Bancorp (NASDAQ: CSBK) and Malvern Bancorp (NASDAQ:MLVF) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, earnings, analyst recommendations, dividends and profitabiliy.

Valuation & Earnings

This table compares Clifton Bancorp and Malvern Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Clifton Bancorp $29.40 million 11.94 $5.34 million $0.25 65.72
Malvern Bancorp $22.67 million 7.13 $12.43 million $1.93 13.01

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.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Clifton Bancorp and Malvern Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Clifton Bancorp 0 1 0 0 2.00
Malvern Bancorp 0 1 0 0 2.00

Clifton Bancorp presently has a consensus target price of $17.00, suggesting a potential upside of 3.47%. Malvern Bancorp has a consensus target price of $24.00, suggesting a potential downside of 4.38%. Given Clifton Bancorp’s higher probable upside, analysts plainly believe Clifton Bancorp is more favorable than Malvern Bancorp.

Dividends

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.

Profitability

This table compares Clifton Bancorp and Malvern Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Clifton Bancorp 11.35% 1.67% 0.37%
Malvern Bancorp 37.03% 6.71% 0.73%

Insider and Institutional Ownership

61.6% of Clifton Bancorp shares are held by institutional investors. Comparatively, 58.4% of Malvern Bancorp shares are held by institutional investors. 6.3% of Clifton Bancorp shares are held by insiders. Comparatively, 3.2% of Malvern Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Clifton Bancorp beats Malvern Bancorp on 7 of the 13 factors compared between the two stocks.

Clifton Bancorp Company Profile

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.

Receive News & Ratings for Clifton Bancorp Inc. Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Clifton Bancorp Inc. and related companies with MarketBeat.com's FREE daily email newsletter.