Reviewing Clifton Bancorp (CSBK) and Malvern Bancorp (MLVF)
Clifton Bancorp (NASDAQ: CSBK) and Malvern Bancorp (NASDAQ:MLVF) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, institutional ownership, profitability, dividends, risk and analyst recommendations.
This is a breakdown of current ratings and recommmendations for Clifton Bancorp and Malvern Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Clifton Bancorp presently has a consensus price target of $17.00, indicating a potential upside of 7.19%. Malvern Bancorp has a consensus price target of $24.00, indicating a potential downside of 0.21%. Given Clifton Bancorp’s higher probable upside, analysts plainly believe Clifton Bancorp is more favorable than Malvern Bancorp.
Earnings & Valuation
This table compares Clifton Bancorp and Malvern Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Clifton Bancorp||$29.40 million||11.53||$5.34 million||$0.25||63.44|
|Malvern Bancorp||$22.67 million||6.97||$12.69 million||$1.93||12.46|
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 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.
Institutional & Insider Ownership
61.8% of Clifton Bancorp shares are held by institutional investors. Comparatively, 58.1% 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 hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
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 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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