Malvern Bancorp (NASDAQ:MLVF) vs. Provident Bancorp (NASDAQ:PVBC) Financial Investigation


Provident Bancorp (NASDAQ: PVBCGet a rating) and Malvern Bancorp (NASDAQ:MLVFGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on their dividend strength, institutional ownership, valuation, analyst recommendations, risk, profitability and earnings.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Provident Bancorp and Malvern Bancorp, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Bancorp provident fund 0 0 1 0 3.00
Malvern Bancorp 0 0 0 0 N / A

Provident Bancorp currently has a consensus price target of $20.00, suggesting a potential upside of 25.63%. Given Provident Bancorp’s possible higher upside, equity research analysts clearly believe that Provident Bancorp is more favorable than Malvern Bancorp.

Profitability

This table compares the net margins, return on equity and return on assets of Provident Bancorp and Malvern Bancorp.

Net margins Return on equity return on assets
Bancorp provident fund 23.07% N / A N / A
Malvern Bancorp -0.87% -0.24% -0.03%

Institutional and insider ownership

41.9% of Provident Bancorp’s shares are held by institutional investors. By comparison, 45.4% of Malvern Bancorp’s shares are held by institutional investors. 8.0% of the shares of Provident Bancorp are held by insiders. By comparison, 5.1% of Malvern Bancorp’s shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Volatility and risk

Provident Bancorp has a beta of 1.13, which means its stock price is 13% more volatile than the S&P 500. By comparison, Malvern Bancorp has a beta of 0.97, which means its stock price is 3% less volatile than the S&P 500.

Benefits and evaluation

This table compares the gross revenue, earnings per share and valuation of Provident Bancorp and Malvern Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Bancorp provident fund $69.97 million 4.05 $16.14 million $1.01 15.76
Malvern Bancorp $42.18 million 2.90 -$90,000.00 ($0.04) -402.00

Provident Bancorp has higher revenue and profit than Malvern Bancorp. Malvern Bancorp trades at a lower price-to-earnings ratio than Provident Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Provident Bancorp beats Malvern Bancorp on 12 out of 13 factors compared between the two stocks.

About Provident Bancorp (Get a rating)

Provident Bancorp, Inc. is a Maryland corporation that was formed in 2019 to succeed Provident Bancorp, Inc., a Massachusetts corporation, and the holding company of The Provident Bank. Provident Bank, a subsidiary of Provident Bancorp, Inc. is an innovative commercial bank that finds solutions for its commercial and private customers.

About Malvern Bancorp (Get a rating)

Malvern Bancorp, Inc. operates as a bank holding company for Malvern Bank which provides various consumer and business banking products and services in Pennsylvania. It offers personal and business checking accounts, retirement accounts, money market accounts, and time and savings accounts; safe deposit boxes, credit cards, electronic transfers, access to ATM services, Internet banking, ACH assembly, telephone banking and mobile banking. The Company also provides loans, such as commercial construction and real estate loans, consumer loans, unsecured overdraft lines of credit and personal loans, as well as loans secured by savings accounts and certificates of deposit on deposit; residential mortgages; and first mortgages for one to four families, as well as investment advisory services for individuals, families, businesses and nonprofits. In addition, it offers life and health insurance, long-term care, automobile, home and liability insurance. Malvern Bancorp, Inc. was incorporated in 1887 and is headquartered in Paoli, Pennsylvania.



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