Malvern Federal Bancorp, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about Malvern Federal Bancorp, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Malvern Federal Bancorp, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Malvern Federal Bancorp, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Malvern Federal Bancorp, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Malvern Federal Bancorp, Inc. business.
About Malvern Federal Bancorp, Inc.
Malvern Federal Bancorp, Inc. operates as the bank holding company for Malvern Federal Savings Bank that provides banking services to individuals, families, and small to mid-sized businesses in Pennsylvania. The company has seven financial centers located throughout Chester County, Pennsylvania.
The company primarily engages in attracting deposits from the general public and using those funds to invest in loans and investment securities. Its principal sources of funds are deposits, repayments of loans and investment securities, maturities of investments and interest-bearing deposits, other funds provided from operations, and wholesale funds borrowed from outside sources, such as the Federal Home Loan Bank of Pittsburgh. These funds are primarily used for the origination of various loan types, including single-family residential mortgage loans, commercial real estate mortgage loans, construction and development loans, home equity loans and lines of credit and other consumer loans.
Lending Activities
One-to Four-Family Residential Mortgage Lending: The companys primary lending activity is the origination of loans secured by first mortgages on one- to four-family residences in its market area. Its loans consist of single-family residential mortgage loans. It also offers adjustable rate mortgage (ARM) loans where the interest rate either adjusts on an annual basis or is fixed for the initial one, three, or five years.
Commercial Real Estate, Multi-family Residential Real Estate and Land Loans: The companys commercial real estate loan portfolio consists primarily of loans secured by office buildings, retail and industrial use buildings, strip shopping centers, mixed-use, and other properties used for commercial purposes located in its market area.
Construction or Development Loans: The company originates construction loans for residential and commercial uses within its market area. It also makes construction loans for the acquisition and development of land for sale (roads, sewer, and water lines). The company's construction or development loans also include loans made to consumers for the construction of their individual homes underwritten on a construction/permanent basis.
Commercial Business Loans: The companys commercial business loans generally are made to small to mid-sized businesses located in its market area.
Consumer Lending Activities: The company offers various types of consumer loans. Its consumer loans include second mortgages, consisting primarily of home equity loans, and home equity lines of credit. Its consumer loans also include automobile loans, unsecured personal loans, and loans secured by deposits.
Investment Portfolio
As of September 30, 2009, the companys investment portfolio included the U.S. government agencies and obligations; state and municipal obligations; mortgage-backed securities; single issuer trust preferred security; and corporate securities.
Deposits
The companys deposits consist of checking, both interest-bearing and non-interest-bearing, money market, savings, and certificate of deposit accounts.
Subsidiaries
In addition to the bank, the company has one subsidiary, Malvern Federal Holdings, Inc., which was organized to hold and manage certain investment securities. The bank has two subsidiaries, Malvern Federal Investments, Inc., which was organized as an operating subsidiary of the bank to hold and manage certain investment securities, and Strategic Asset Management Group, Inc. (SAMG), an insurance brokerage engaged in sales of property and casualty insurance, commercial insurance and life, and health insurance.
History
Malvern Federal Bancorp, Inc. was founded in 1987.
The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.
RESEARCH METHODOLOGY
DISCLAIMER
1. MALVERN FEDERAL BANCORP, INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. MALVERN FEDERAL BANCORP, INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. MALVERN FEDERAL BANCORP, INC. SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. MALVERN FEDERAL BANCORP, INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. MALVERN FEDERAL BANCORP, INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Malvern Federal Bancorp, Inc. Direct Competitors
5.2. Comparison of Malvern Federal Bancorp, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Malvern Federal Bancorp, Inc. and Direct Competitors Stock Charts
5.4. Malvern Federal Bancorp, Inc. Industry Analysis
5.4.1. Industry Snapshot
5.4.2. Malvern Federal Bancorp, Inc. Industry Position Analysis
6. MALVERN FEDERAL BANCORP, INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. MALVERN FEDERAL BANCORP, INC. EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. MALVERN FEDERAL BANCORP, INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. MALVERN FEDERAL BANCORP, INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. MALVERN FEDERAL BANCORP, INC. PORTER FIVE FORCES ANALYSIS2
12. MALVERN FEDERAL BANCORP, INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
Malvern Federal Bancorp, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Malvern Federal Bancorp, Inc. 1-year Stock Charts
Malvern Federal Bancorp, Inc. 5-year Stock Charts
Malvern Federal Bancorp, Inc. vs. Main Indexes 1-year Stock Chart
Malvern Federal Bancorp, Inc. vs. Direct Competitors 1-year Stock Charts
Malvern Federal Bancorp, Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Malvern Federal Bancorp, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Malvern Federal Bancorp, Inc. Key Executives
Malvern Federal Bancorp, Inc. Major Shareholders
Malvern Federal Bancorp, Inc. History
Malvern Federal Bancorp, Inc. Products
Revenues by Segment
Revenues by Region
Malvern Federal Bancorp, Inc. Offices and Representations
Malvern Federal Bancorp, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Malvern Federal Bancorp, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Malvern Federal Bancorp, Inc. Capital Market Snapshot
Malvern Federal Bancorp, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Malvern Federal Bancorp, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Malvern Federal Bancorp, Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1
SWOT Analysis
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL Analysis
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO Analysis
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Financial
- Physical
- Technological
- Organizational
- Intangible resources
- Human
- Innovation and Creativity
- Reputation
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Valuable?
- Rare?
- Costly to imitate?
- Organized properly?
