Malvern Bancorp (NASDAQ:MLVF) and Southern Banc (OTCMKTS:SRNN) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, risk, dividends, profitability, earnings, valuation and institutional ownership.
Risk & Volatility
Malvern Bancorp has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500. Comparatively, Southern Banc has a beta of 0.26, meaning that its share price is 74% less volatile than the S&P 500.
This is a summary of recent ratings for Malvern Bancorp and Southern Banc, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Malvern Bancorp currently has a consensus target price of $22.50, suggesting a potential upside of 13.12%. Given Malvern Bancorp’s higher probable upside, analysts plainly believe Malvern Bancorp is more favorable than Southern Banc.
Earnings & Valuation
This table compares Malvern Bancorp and Southern Banc’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Malvern Bancorp||$43.33 million||3.57||$7.30 million||N/A||N/A|
|Southern Banc||$5.53 million||N/A||-$560,000.00||N/A||N/A|
Malvern Bancorp has higher revenue and earnings than Southern Banc.
Insider & Institutional Ownership
62.0% of Malvern Bancorp shares are held by institutional investors. 3.8% of Malvern Bancorp shares are held by company insiders. Comparatively, 22.0% of Southern Banc shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
This table compares Malvern Bancorp and Southern Banc’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Malvern Bancorp beats Southern Banc on 8 of the 9 factors compared between the two stocks.
About Malvern Bancorp
Malvern Bancorp, Inc. operates as the bank holding company for Malvern Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company accepts checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits. Its loan products include 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, such as commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans comprising home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. The company also offers credit cards; wealth management and advisory services, such as liquidity management, investment, 401k accounts and planning, custody, lending, wealth planning, trust and fiduciary, family wealth advisory, and philanthropic advisory services; insurance services; and wire transfer, automated teller, Internet banking, ACH origination, telephone and mobile banking, safe deposit box, remote deposit capture banking, and mobile remote deposit capture banking services. As of September 30, 2018, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; private banking offices in Morristown, New Jersey and Palm Beach, Florida; and leases representative office in Montchanin, Delaware. Malvern Bancorp, Inc. was founded in 1887 and is based in Paoli, Pennsylvania.
About Southern Banc
The Southern Banc Company, Inc. operates as the holding company for The Southern Bank Company that provides various banking products and services in Alabama. Its personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. The company's business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. It also offers commercial accounts, accounts receivable management, factoring services, and online banking and ATM services. The company operates through four full service banking offices located in Gadsden, Albertville, Guntersville, and Centre, as well as through one commercial finance office located in Birmingham. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.
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