NASDAQ /
Sector: Financial Services
/
Sub-Sector: Savings & Cooperative Banks
/
Stock Type: Cyclical
# of Employee: 57
/
Fiscal Year End: 2016-12-31
/
Stock Type: Small Core
USD
/
Exchange Rate: 1
at
2016-11-22
/
Estimation: $Confidential
/
/ $
MSB Financial Corp is a holding company for Millington Savings Bank. It is engaged in the origination of one- to four-family loans and home equity loans and lines of credit. The Bank also provides financing for commercial real estate.
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BHLB |
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HONE |
OCFC |
LOB |
WSBF |
FDEF |
BKMU |
Finance Highlights
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| 2007-06-25 | Annual | 2.60% | 6.50% | 0.2 | 9.0 | 12.20% | 7.50% | 7.50% | 0.180 | .904 |
| 2008-06-25 | Annual | 7.30% | 18.40% | 0.5 | 7.0 | 6.20% | 3.60% | 3.60% | 0.164 | .886 |
| 2009-06-25 | Annual | 6.70% | 16.20% | 0.5 | 6.9 | 6.60% | 1.20% | 1.20% | 0.132 | .986 |
| 2010-06-25 | Annual | 3.40% | 7.70% | 0.2 | 6.9 | 16.50% | 4.60% | 4.60% | 0.125 | 1.115 |
| 2011-06-25 | Annual | 9.10% | 23.40% | 0.6 | 7.1 | 18.30% | 4.40% | 4.40% | 0.132 | 1.130 |
| 2012-06-25 | Annual | 9.00% | 25.30% | 0.6 | 7.2 | 20.70% | 3.40% | 3.40% | 0.133 | 1.180 |
| 2013-06-25 | Annual | 8.00% | 25.00% | 0.6 | 7.0 | 13.20% | -10.90% | -10.90% | 0.126 | 1.256 |
| 2014-06-25 | Annual | 7.80% | 25.10% | 0.6 | 7.3 | 16.80% | 7.80% | 7.80% | 0.134 | 1.139 |
| 2015-12-25 | Annual | 1.80% | 10.70% | 0.2 | 13.3 | 5.70% | 3.40% | 3.40% | 0.255 | 1.001 |
| 2016-12-25 | Annual | 5.20% | 24.90% | 0.7 | 12.8 | 17.10% | 7.60% | 7.60% | 0.188 | .984 |
| 2017-12-25 | Annual | 7.10% | 25.60% | 0.9 | 12.9 | 28.00% | 13.40% | 13.40% | 0.149 | .948 |
| 2018-12-25 | Annual | 8.70% | 24.40% | 1.1 | 12.3 | 29.00% | 20.40% | 20.40% | .129 | .837 |
Key Ratio Trend
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| Average | Annual | -1.74% | -0.32% | 0.18% | -0.88% | 8.88% | -12.70% | -12.70% | -6.93% | -1.83% |
| 2008-06-25 | Annual | 180.77% | 183.08% | 113.81% | -22.29% | -49.18% | -52.00% | -52.00% | -8.89% | -1.99% |
| 2009-06-25 | Annual | -8.22% | -11.96% | -9.39% | -2.04% | 6.45% | -66.67% | -66.67% | -19.51% | 11.29% |
| 2010-06-25 | Annual | -49.25% | -52.47% | -49.89% | 0.09% | 150.00% | 283.33% | 283.33% | -5.30% | 13.08% |
| 2011-06-25 | Annual | 167.65% | 203.90% | 178.88% | 3.00% | 10.91% | -4.35% | -4.35% | 5.60% | 1.35% |
| 2012-06-25 | Annual | -1.10% | 8.12% | -0.46% | 1.60% | 13.11% | -22.73% | -22.73% | 0.76% | 4.42% |
| 2013-06-25 | Annual | -11.11% | -1.19% | -12.27% | -2.31% | -36.23% | -420.59% | -420.59% | -5.26% | 6.44% |
| 2014-06-25 | Annual | -2.50% | 0.40% | 0.71% | 3.43% | 27.27% | 171.56% | 171.56% | 6.35% | -9.32% |
| 2015-12-25 | Annual | -76.92% | -57.37% | -57.47% | 83.60% | -66.07% | -56.41% | -56.41% | 90.30% | -12.12% |
| 2016-12-25 | Annual | 188.89% | 132.71% | 173.97% | -4.18% | 200.00% | 123.53% | 123.53% | -26.27% | -1.70% |
| 2017-12-25 | Annual | 36.54% | 2.81% | 38.76% | 1.16% | 63.74% | 76.32% | 76.32% | -20.74% | -3.66% |
| 2018-12-25 | Annual | 22.54% | -4.69% | 16.30% | -4.59% | 3.57% | 52.24% | 52.24% | -13.42% | -11.71% |
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| 2007-06-25 | Annual | 17,710k | 15,553k | 8,813k | 1,332k | 1,332k | 4,803,975 | 12.20% | 7.50% | 7.50% |
| 2008-06-25 | Annual | 17,194k | 16,132k | 9,042k | 612k | 612k | 6,188,571 | 6.20% | 3.60% | 3.60% |
| 2009-06-25 | Annual | 17,082k | 15,957k | 7,784k | 212k | 212k | 5,966,329 | 6.60% | 1.20% | 1.20% |
| 2010-06-25 | Annual | 17,495k | 14,604k | 6,155k | 806k | 806k | 5,813,609 | 16.50% | 4.60% | 4.60% |
| 2011-06-25 | Annual | 15,900k | 12,993k | 4,226k | 706k | 706k | 5,745,227 | 18.30% | 4.40% | 4.40% |
| 2012-06-25 | Annual | 14,463k | 11,466k | 3,336k | 497k | 497k | 5,682,544 | 20.70% | 3.40% | 3.40% |
| 2013-06-25 | Annual | 12,682k | 11,010k | 2,721k | -1,385k | -1,385k | 5,622,140 | 13.20% | -10.90% | -10.90% |
| 2014-06-25 | Annual | 12,716k | 10,580k | 2,422k | 988k | 988k | 5,614,162 | 16.80% | 7.80% | 7.80% |
| 2015-12-25 | Annual | 12,920k | 12,180k | 2,156k | 443k | 443k | 5,722,k | 5.70% | 3.40% | 3.40% |
| 2016-12-25 | Annual | 15,251k | 12,637k | 2,247k | 1,161k | 1,161k | 5,723,k | 17.10% | 7.60% | 7.60% |
| 2017-12-25 | Annual | 20,302k | 14,627k | 3,446k | 2,722k | 2,722k | 5,645,k | 28.00% | 13.40% | 13.40% |
| 2018-12-25 | Annual | 23,720k | 16,834k | 5,398k | 4,835k | 4,835k | 5,400,k | 29.00% | 20.40% | 20.40% |
Income Statement Trend
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| Average | Annual | -0.15% | -2.37% | -12.32% | -20.22% | -20.22% | -1.13% | 8.88% | -12.70% | -12.70% |
| 2008-06-25 | Annual | -2.91% | 3.72% | 2.60% | -54.05% | -54.05% | 28.82% | -49.18% | -52.00% | -52.00% |
| 2009-06-25 | Annual | -0.65% | -1.08% | -13.91% | -65.36% | -65.36% | -3.59% | 6.45% | -66.67% | -66.67% |
| 2010-06-25 | Annual | 2.42% | -8.48% | -20.93% | 280.19% | 280.19% | -2.56% | 150.00% | 283.33% | 283.33% |
| 2011-06-25 | Annual | -9.12% | -11.03% | -31.34% | -12.41% | -12.41% | -1.18% | 10.91% | -4.35% | -4.35% |
| 2012-06-25 | Annual | -9.04% | -11.75% | -21.06% | -29.60% | -29.60% | -1.09% | 13.11% | -22.73% | -22.73% |
| 2013-06-25 | Annual | -12.31% | -3.98% | -18.44% | -378.67% | -378.67% | -1.06% | -36.23% | -420.59% | -420.59% |
| 2014-06-25 | Annual | 0.27% | -3.91% | -10.99% | 171.34% | 171.34% | -0.14% | 27.27% | 171.56% | 171.56% |
| 2015-12-25 | Annual | 1.60% | 15.12% | -10.98% | -55.16% | -55.16% | 1.92% | -66.07% | -56.41% | -56.41% |
| 2016-12-25 | Annual | 18.04% | 3.75% | 4.22% | 162.08% | 162.08% | 0.02% | 200.00% | 123.53% | 123.53% |
| 2017-12-25 | Annual | 33.12% | 15.75% | 53.36% | 134.45% | 134.45% | -1.36% | 63.74% | 76.32% | 76.32% |
| 2018-12-25 | Annual | 16.84% | 15.09% | 56.65% | 77.63% | 77.63% | -4.34% | 3.57% | 52.24% | 52.24% |
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| 2007-06-25 | Annual | 43,346k | 284,578k | 241,232k | 233,498k | 211,118k | 30,114k | 0.180 | .904 |
| 2008-06-25 | Annual | 43,396k | 308,058k | 264,662k | 254,290k | 225,371k | 39,291k | 0.164 | .886 |
| 2009-06-25 | Annual | 40,983k | 352,263k | 311,280k | 276,058k | 272,280k | 39m | 0.132 | .986 |
| 2010-06-25 | Annual | 39,968k | 358,743k | 318,775k | 265,814k | 296,401k | 22,374k | 0.125 | 1.115 |
| 2011-06-25 | Annual | 40,680k | 349,459k | 308,779k | 253,251k | 286,175k | 22,604k | 0.132 | 1.130 |
| 2012-06-25 | Annual | 40,878k | 347,347k | 306,469k | 240,520k | 283,798k | 22,671k | 0.133 | 1.180 |
| 2013-06-25 | Annual | 39,513k | 352,592k | 313,079k | 223,256k | 280,467k | 32,612k | 0.126 | 1.256 |
| 2014-06-25 | Annual | 40,810k | 345,246k | 304,436k | 231,161k | 263,389k | 41,047k | 0.134 | 1.139 |
| 2015-12-25 | Annual | 76,363k | 375,690k | 299,327k | 262,312k | 262,598k | 36,729k | 0.255 | 1.001 |
| 2016-12-25 | Annual | 73,185k | 461,646k | 388,461k | 368,007k | 362,299k | 26,162k | 0.188 | .984 |
| 2017-12-25 | Annual | 73,025k | 563,040k | 490,015k | 473,405k | 448,913k | 41,102k | 0.149 | .948 |
| 2018-12-25 | Annual | 66,646k | 584,500k | 517,854k | 502,299k | 420,579k | 97,275k | .129 | .837 |
Balance Sheet Trend
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| Average | Annual | -1.24% | 2.92% | 2.29% | 4.94% | -0.54% | 0.70% | -6.93% | -1.83% |
| 2008-06-25 | Annual | 0.12% | 8.25% | 9.71% | 8.90% | 6.75% | 30.47% | -8.89% | -1.99% |
| 2009-06-25 | Annual | -5.56% | 14.35% | 17.61% | 8.56% | 20.81% | -0.74% | -19.51% | 11.29% |
| 2010-06-25 | Annual | -2.48% | 1.84% | 2.41% | -3.71% | 8.86% | -42.63% | -5.30% | 13.08% |
| 2011-06-25 | Annual | 1.78% | -2.59% | -3.14% | -4.73% | -3.45% | 1.03% | 5.60% | 1.35% |
| 2012-06-25 | Annual | 0.49% | -0.60% | -0.75% | -5.03% | -0.83% | 0.30% | 0.76% | 4.42% |
| 2013-06-25 | Annual | -3.34% | 1.51% | 2.16% | -7.18% | -1.17% | 43.85% | -5.26% | 6.44% |
| 2014-06-25 | Annual | 3.28% | -2.08% | -2.76% | 3.54% | -6.09% | 25.86% | 6.35% | -9.32% |
| 2015-12-25 | Annual | 87.12% | 8.82% | -1.68% | 13.48% | -0.30% | -10.52% | 90.30% | -12.12% |
| 2016-12-25 | Annual | -4.16% | 22.88% | 29.78% | 40.29% | 37.97% | -28.77% | -26.27% | -1.70% |
| 2017-12-25 | Annual | -0.22% | 21.96% | 26.14% | 28.64% | 23.91% | 57.11% | -20.74% | -3.66% |
| 2018-12-25 | Annual | -8.74% | 3.81% | 5.68% | 6.10% | -6.31% | 136.67% | -13.42% | -11.71% |
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| 2007-06-25 | Annual | 622k | -526k | 1,148k | -14,761k | 12,527k |
| 2008-06-25 | Annual | 782k | -2,381k | 3,163k | -23,014k | 22,658k |
| 2009-06-25 | Annual | 1,768k | -995k | 2,763k | -40,065k | 43,101k |
| 2010-06-25 | Annual | 1,244k | -103k | 1,347k | 4,788k | 5,613k |
| 2011-06-25 | Annual | 3,663k | -57k | 3,720k | 16,840k | -10,671k |
| 2012-06-25 | Annual | 3,495k | -164k | 3,659k | 2,384k | -3,098k |
| 2013-06-25 | Annual | 3,127k | -49k | 3,176k | -18,301k | 6,172k |
| 2014-06-25 | Annual | 3,095k | -100k | 3,195k | -11,826k | -8,716k |
| 2015-12-25 | Annual | 1,187k | -196k | 1,383k | -30,519k | 34,116k |
| 2016-12-25 | Annual | 2,498k | -1,295k | 3,793k | -78,517k | 85,098k |
| 2017-12-25 | Annual | 4,898k | -297k | 5,195k | -101,819k | 97,848k |
| 2018-12-25 | Annual | 5,723k | -55k | 5,778k | -32,690k | 16,458k |
Cash Flow Trend
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| Average | Annual | 8.72% | -19.28% | -0.42% | -64.17% | 45.52% |
| 2008-06-25 | Annual | 25.72% | -352.66% | 175.52% | -55.91% | 80.87% |
| 2009-06-25 | Annual | 126.09% | 58.21% | -12.65% | -74.09% | 90.22% |
| 2010-06-25 | Annual | -29.64% | 89.65% | -51.25% | 111.95% | -86.98% |
| 2011-06-25 | Annual | 194.45% | 44.66% | 176.17% | 251.71% | -290.11% |
| 2012-06-25 | Annual | -4.59% | -187.72% | -1.64% | -85.84% | 70.97% |
| 2013-06-25 | Annual | -10.53% | 70.12% | -13.20% | -867.66% | 299.23% |
| 2014-06-25 | Annual | -1.02% | -104.08% | 0.60% | 35.38% | -241.22% |
| 2015-12-25 | Annual | -61.65% | -96.00% | -56.71% | -158.07% | 491.42% |
| 2016-12-25 | Annual | 110.45% | -560.71% | 174.26% | -157.27% | 149.44% |
| 2017-12-25 | Annual | 96.08% | 77.07% | 36.96% | -29.68% | 14.98% |
| 2018-12-25 | Annual | 16.84% | 81.48% | 11.22% | 67.89% | -83.18% |
Finance Detail
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Note