Peer Analysis

Performance Ratios (%) MLVF Peer Median Peer Average
ROAA 0.69 0.39 0.28
ROAE 6.88 2.46 2.67
Net Interest Margin 2.66 3.15 3.12
Efficiency Ratio 60.76 86.14 85.94
Loans / Deposits 117.70 96.51 94.58
Asset Quality Ratios (%)
NPAs / Assets 2.06 1.55 1.74
NCOs / Avg Loans 0.04 0.00 0.06
Reserves / Loans 0.99 1.17 1.11
Reserves / NPAs 42.30 49.94 65.85
Capital Ratios (%)
Tier 1 Capital 12.62 16.99 18.88
Tangible Equity / Tangible Assets 10.72 11.38 12.58
Total Equity / Total Assets 10.72 11.38 12.59
Market Ratios
Price / Earnings (x) 18.09 15.44 15.44
Price / Book (%) 121.38 116.59 195.20
Dividend Yield (%) 0.00 0.00 0.76
Data for trailing four quarters

Malvern Bancorp, Inc.'s peer group consists of the following: Alliance Bancorp, Inc. of Pennsylvania (ALLB), Carver Bancorp, Inc. (CARV), Clifton Bancorp Inc. (CSBK), Colombo Bank (IFSB), Delanco Bancorp, Inc. (DLNO), Fox Chase Bancorp, Inc. (FXCB), Fraternity Community Bancorp, Inc. (FRTR), Harleysville Financial Corporation (HARL), Severn Bancorp, Inc. (SVBI), Sunnyside Bancorp, Inc. (SNNY), United-American Savings Bank (UASB)

Malvern Bancorp, Inc.'s financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

United-American Savings Bank's financial data is as of 3/31/2016.
Alliance Bancorp, Inc. of Pennsylvania's financial data is as of 6/30/2015.
Harleysville Financial Corporation's financial data is as of 12/31/2018.
Delanco Bancorp, Inc.'s financial data is as of 12/31/2017.
Clifton Bancorp Inc.'s financial data is as of 12/31/2017.
Fox Chase Bancorp, Inc.'s financial data is as of 3/31/2016.
Fraternity Community Bancorp, Inc.'s financial data is as of 12/31/2015.