Reviewing Columbia Financial (NASDAQ:CLBK) and Malvern Bancorp (NASDAQ:MLVF)

Columbia Financial (NASDAQ:CLBK) and Malvern Bancorp (NASDAQ:MLVF) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, risk and dividends.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Columbia Financial and Malvern Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Columbia Financial 0 1 1 0 2.50
Malvern Bancorp 0 2 0 0 2.00

Columbia Financial presently has a consensus price target of $15.50, indicating a potential upside of 2.65%. Malvern Bancorp has a consensus price target of $22.50, indicating a potential upside of 2.23%. Given Columbia Financial’s stronger consensus rating and higher probable upside, equities analysts clearly believe Columbia Financial is more favorable than Malvern Bancorp.

Valuation & Earnings

This table compares Columbia Financial and Malvern Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Columbia Financial $247.98 million 7.06 $22.74 million N/A N/A
Malvern Bancorp $43.33 million 3.95 $7.30 million N/A N/A

Columbia Financial has higher revenue and earnings than Malvern Bancorp.

Insider & Institutional Ownership

12.9% of Columbia Financial shares are held by institutional investors. Comparatively, 62.1% of Malvern Bancorp shares are held by institutional investors. 0.7% of Columbia Financial shares are held by insiders. Comparatively, 3.8% of Malvern Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Columbia Financial and Malvern Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Columbia Financial 9.93% 5.49% 0.81%
Malvern Bancorp 19.24% 7.21% 0.80%

Risk & Volatility

Columbia Financial has a beta of 0.53, meaning that its stock price is 47% less volatile than the S&P 500. Comparatively, Malvern Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500.

Summary

Columbia Financial beats Malvern Bancorp on 9 of the 13 factors compared between the two stocks.

Columbia Financial Company Profile

Columbia Financial, Inc. operates as the bank holding company for Columbia Bank that provides financial services to businesses and consumers in the United States. The company offers non-interest bearing demand deposits, such as individual checking and commercial checking accounts; interest-bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including commercial real estate and multifamily loans, one- to four-family residential loans, commercial business loans, construction loans, home equity loans and advances, and other consumer loans. In addition, the company offers title insurance products; and wealth management services. It operates 50 full-service banking offices in 10 of New Jersey's 21 counties. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.

Malvern Bancorp Company Profile

Malvern Bancorp, Inc. operates as the bank holding company for Malvern Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company accepts checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits. Its loan products include 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, such as commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans comprising home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. The company also offers credit cards; wealth management and advisory services, such as liquidity management, investment, 401k accounts and planning, custody, lending, wealth planning, trust and fiduciary, family wealth advisory, and philanthropic advisory services; insurance services; and wire transfer, automated teller, Internet banking, ACH origination, telephone and mobile banking, safe deposit box, remote deposit capture banking, and mobile remote deposit capture banking services. As of September 30, 2018, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; private banking offices in Morristown, New Jersey and Palm Beach, Florida; and leases representative office in Montchanin, Delaware. Malvern Bancorp, Inc. was founded in 1887 and is based in Paoli, Pennsylvania.

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