HV Bancorp, Inc.
Financials · State Commercial Banks · PA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | $838,000 | $497,000 | $148,000 | $179,000 | $637,000 | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.2M | $4.1M | $149,000 | $62,000 | $270,000 | $236,000 |
| Total assets | $615.8M | $560.1M | $861.6M | $354.6M | $297.8M | $216.8M |
| Total liabilities | $573.7M | $517.5M | $822.7M | $321.0M | $267.0M | $185.3M |
| Equity | $42.1M | $42.6M | $38.9M | $33.6M | $30.7M | $31.4M |
| EPS (diluted) | $1.06 | $1.98 | $0.07 | $0.03 | $0.13 | $0.11 |
| Shares out. | 2.2M | 2.2M | 2.2M | 2.3M | 2.3M | 2.2M |
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
- 266.1%
- Return on equity
- 5.3%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 93.2%
- Debt / equity
- 13.63×
- Book value / share
- $19.45
- Revenue growth (YoY)
- 68.6%
- Net income growth (YoY)
- −45.0%
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
- −4.6%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 ScoreOur 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● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- 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- NT 11-Kmissed a reporting deadline ↗Jun 29, 2020
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- Alliancebernstein L.P.Passive (13G)Nov 15, 2024
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Froggatt Scott WDirector | Jun 16, 2023 | D | 5,000 | — |
| Hutt Charles SOfficer — EVP/CCO-Mortgage Division | Jun 14, 2023 | Tax withholding | 1,839 | $34.90 |
| Jacobsen J ChristopherOfficer — EVP and COO | Jun 14, 2023 | Tax withholding | 1,927 | $34.90 |
| Warden Derek POfficer — EVP and CCO | Jun 14, 2023 | Tax withholding | 1,786 | $34.90 |
| Connelly Hugh WOfficer — EVP/CLO | Jun 14, 2023 | Tax withholding | 1,391 | $34.90 |
| Marino Robert JosephOfficer — Vice-Chair and President | Jun 14, 2023 | Tax withholding | 9,736 | $34.90 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Amended charter or bylawsJun 16, 2023
- Shareholder voteMar 6, 2023
- Results of operationsFeb 17, 2023
- Shareholder voteFeb 15, 2023
- Results of operationsNov 4, 2022
- Entered a material agreement · Director / officer change · Other material eventOct 20, 2022
- Results of operationsAug 5, 2022
- Director / officer changeAug 3, 2022
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 ↗- SCHEDULE 13G/ANov 15, 2024
- 15-12GJun 26, 2023
- S-8 POSJun 21, 2023
- S-8 POSJun 21, 2023
- S-8 POSJun 21, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 8-KHV BANCORP, INC. FORM 8-K JUNE 16, 2023Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023
- 4FORM 4Jun 16, 2023