Malvern Bancorp (NASDAQ: TFSL) and TFS Financial (NASDAQ:TFSL) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their valuation, profitability, institutional ownership, risk, earnings, dividends and analyst recommendations.
This is a breakdown of recent recommendations and price targets for Malvern Bancorp and TFS Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
This table compares Malvern Bancorp and TFS Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional and Insider Ownership
60.4% of Malvern Bancorp shares are held by institutional investors. Comparatively, 10.9% of TFS Financial shares are held by institutional investors. 3.7% of Malvern Bancorp shares are held by company insiders. Comparatively, 1.6% of TFS Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
TFS Financial pays an annual dividend of $0.68 per share and has a dividend yield of 4.4%. Malvern Bancorp does not pay a dividend. TFS Financial pays out 212.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Valuation & Earnings
This table compares Malvern Bancorp and TFS Financial’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Malvern Bancorp||$36.12 million||4.48||$5.81 million||N/A||N/A|
|TFS Financial||$428.84 million||10.04||$88.87 million||$0.32||48.00|
TFS Financial has higher revenue and earnings than Malvern Bancorp.
Risk & Volatility
Malvern Bancorp has a beta of -0.1, suggesting that its stock price is 110% less volatile than the S&P 500. Comparatively, TFS Financial has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500.
TFS Financial beats Malvern Bancorp on 7 of the 13 factors compared between the two stocks.
Malvern Bancorp Company Profile
Malvern Bancorp, Inc. operates as the holding company for Malvern Federal Savings Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company offers checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits; and debit and credit card, wire transfer, automated teller, Internet banking, ACH origination, safe deposit box, telephone banking, and mobile banking services. It also provides 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, including commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans, such as home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. In addition, the company offers liquidity management, investment, custody, wealth planning, trust and fiduciary, insurance, and 401k services to high net worth individuals and families. Further, it provides remote deposit capture banking for business customers; and mobile remote deposit capture banking for retail and business customers. As of September 30, 2017, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; a private banking office in Morristown, New Jersey; and leases representative offices in Montchanin, Delaware, and Palm Beach, Florida. Malvern Bancorp, Inc. was founded in 1887 and is headquartered in Paoli, Pennsylvania.
TFS Financial Company Profile
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings accounts, checking accounts, certificate of deposit accounts, individual retirement accounts, and other qualified plan accounts. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it engages in the net lease transactions of commercial buildings; provision of escrow and settlement services. The company offers its products and services through its main office in Cleveland, Ohio; and 38 full-service branches and 8 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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