Clifton Bancorp (NASDAQ: CSBK) and Malvern Bancorp (NASDAQ:MLVF) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, risk, profitability, analyst recommendations and institutional ownership.
Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. Malvern Bancorp does not pay a dividend. Clifton Bancorp pays out 96.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
This is a summary of recent ratings and recommmendations for Clifton Bancorp and Malvern Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Clifton Bancorp currently has a consensus price target of $17.00, indicating a potential upside of 3.22%. Malvern Bancorp has a consensus price target of $24.00, indicating a potential downside of 4.95%. Given Clifton Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Clifton Bancorp is more favorable than Malvern Bancorp.
Valuation & Earnings
This table compares Clifton Bancorp and Malvern Bancorp’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Clifton Bancorp||$29.40 million||11.97||$5.34 million||$0.25||65.88|
|Malvern Bancorp||$22.67 million||7.17||$12.43 million||$1.93||13.08|
Malvern Bancorp has higher revenue, but lower earnings than Clifton Bancorp. Malvern Bancorp is trading at a lower price-to-earnings ratio than Clifton Bancorp, indicating that it is currently the more affordable of the two stocks.
This table compares Clifton Bancorp and Malvern Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional and Insider Ownership
61.9% of Clifton Bancorp shares are owned by institutional investors. Comparatively, 65.7% of Malvern Bancorp shares are owned by institutional investors. 6.3% of Clifton Bancorp shares are owned by insiders. Comparatively, 3.2% of Malvern Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Clifton Bancorp beats Malvern Bancorp on 8 of the 15 factors compared between the two stocks.
Clifton Bancorp Company Profile
Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.
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. The company operates eight financial center offices in Chester and Delaware Counties, Pennsylvania, as well as a private banking loan production office in Morristown, New Jersey. Malvern Bancorp, Inc. was founded in 1887 and is headquartered in Paoli, Pennsylvania.
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