Event-Driven Stocks

MALVERN BANCORP, INC.

Financials · Savings Institution, Federally Chartered · PA · SEC filings ↗ · Compare ⊕

Signs● 2 good● 2 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY22FY21FY20FY19FY18FY17
Revenue$1.2M$1.3M$1.3M$1.8M$1.3M—
Operating income——————
Net income$7.0M$2.2M$1.9M$785,000$2.0M$1.2M
Total assets$1.04B$1.21B$1.24B$1.26B$1.13B$1.05B
Total liabilities$897.9M$1.07B$1.07B$1.13B$923.1M$943.5M
Equity$146.4M$145.9M$143.2M$142.5M$110.8M$102.5M
EPS (diluted)$0.92$0.30$0.25$0.10$0.27$0.18
Shares out.7.6M7.6M7.6M7.8M7.8M6.6M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2022
Operating margin
—
Net margin
561.9%
Return on equity
4.7%
Return on assets
0.7%
Return on capital (ROCE)
—
Liabilities / assets
86.0%
Debt / equity
6.13×
Book value / share
$19.18
Revenue growth (YoY)
−6.5%
Net income growth (YoY)
212.5%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2022
Accruals / assets
0.1%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
60
/ 100
Profitability 100Growth 50Catalyst 33Earnings quality 67Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 2 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)