Mid-Southern Bancorp Inc Financials
This page shows Mid-Southern Bancorp Inc (MSVB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2022 annual data. Scores normalized against common benchmarks. How we calculate these scores
Mid-Southern Bancorp Inc's revenue declined 0.9% year-over-year, from $1.1M to $1.1M. This contraction results in a growth score of 26/100.
Mid-Southern Bancorp Inc has elevated debt relative to equity (D/E of 7.08), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Mid-Southern Bancorp Inc converts 188.4% of revenue into free cash flow ($2.1M). This strong cash generation earns a score of 100/100.
Mid-Southern Bancorp Inc generates a 5.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is up from 3.5% the prior year.
Mid-Southern Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Mid-Southern Bancorp Inc generates $1.36 in operating cash flow ($2.6M OCF vs $1.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Mid-Southern Bancorp Inc generated $1.1M in revenue in fiscal year 2022. This represents a decrease of 0.9% from the prior year.
Mid-Southern Bancorp Inc generated $2.1M in free cash flow in fiscal year 2022, representing cash available after capex. This represents a decrease of 5.5% from the prior year.
Mid-Southern Bancorp Inc reported $1.9M in net income in fiscal year 2022. This represents an increase of 17.0% from the prior year.
Mid-Southern Bancorp Inc earned $0.69 per diluted share (EPS) in fiscal year 2022. This represents an increase of 25.5% from the prior year.
Mid-Southern Bancorp Inc held $5.7M in cash against $0 in long-term debt as of fiscal year 2022.
Mid-Southern Bancorp Inc paid $0.18 per share in dividends in fiscal year 2022. This represents an increase of 38.5% from the prior year.
Mid-Southern Bancorp Inc had 3M shares outstanding in fiscal year 2022. This represents a decrease of 4.4% from the prior year.
Mid-Southern Bancorp Inc's net profit margin was 168.1% in fiscal year 2022, showing the share of revenue converted to profit. This is up 25.7 percentage points from the prior year.
Mid-Southern Bancorp Inc's ROE was 5.6% in fiscal year 2022, measuring profit generated per dollar of shareholder equity. This is up 2.2 percentage points from the prior year.
Mid-Southern Bancorp Inc spent $2.2M on share buybacks in fiscal year 2022, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 26.6% from the prior year.
Mid-Southern Bancorp Inc invested $446K in capex in fiscal year 2022, funding long-term assets and infrastructure. This represents an increase of 146.4% from the prior year.
MSVB Income Statement
| Metric | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $284K+12.3% | $253K-89.8% | $2.5M+811.0% | $273K-10.2% | $304K+16.5% | $261K-86.5% | $1.9M+592.5% | $280K |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $687K+10.3% | $623K+24.4% | $501K+70.4% | $294K+69.9% | $173K+15.3% | $150K0.0% | $150K-8.5% | $164K |
| Income Tax | $9K+124.3% | -$37K-1950.0% | $2K-93.5% | $31K+29.2% | $24K-29.4% | $34K+209.1% | $11K-66.7% | $33K |
| Net Income | $400K+17.6% | $340K-9.6% | $376K-26.6% | $512K-2.7% | $526K+12.6% | $467K+23.9% | $377K-17.3% | $456K |
| EPS (Diluted) | $0.14+7.7% | $0.13-7.1% | $0.14-26.3% | $0.190.0% | $0.19+11.8% | $0.17+30.8% | $0.13-18.8% | $0.16 |
MSVB Balance Sheet
| Metric | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $266.3M0.0% | $266.4M-1.1% | $269.2M+1.8% | $264.5M-0.7% | $266.5M+1.9% | $261.5M+2.8% | $254.3M+0.8% | $252.3M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $5.9M+31.2% | $4.5M-21.3% | $5.7M+41.7% | $4.0M-9.3% | $4.4M-34.4% | $6.7M-58.8% | $16.4M-8.4% | $17.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $232.2M+0.3% | $231.4M-1.9% | $235.9M+0.9% | $233.7M+0.7% | $232.1M+5.2% | $220.5M+6.2% | $207.7M+0.8% | $206.0M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $34.1M-2.5% | $34.9M+4.9% | $33.3M+8.2% | $30.8M-10.4% | $34.4M-16.0% | $41.0M-12.0% | $46.5M+0.7% | $46.2M |
| Retained Earnings | $24.8M+1.0% | $24.6M-1.2% | $24.9M+0.9% | $24.7M+1.7% | $24.3M+1.8% | $23.9M+1.5% | $23.5M+1.1% | $23.3M |
MSVB Cash Flow Statement
| Metric | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $675K-15.1% | $795K+88.8% | $421K-48.5% | $817K+20.7% | $677K+5.9% | $639K+15.1% | $555K-22.3% | $714K |
| Capital Expenditures | $19K-64.8% | $54K-10.0% | $60K-61.5% | $156K-17.9% | $190K+375.0% | $40K-50.6% | $81K+1000.0% | -$9K |
| Free Cash Flow | $656K-11.5% | $741K+105.3% | $361K-45.4% | $661K+35.7% | $487K-18.7% | $599K+26.4% | $474K-32.8% | $705K |
| Investing Cash Flow | $405K-84.3% | $2.6M+409.3% | -$835K+70.9% | -$2.9M+76.7% | -$12.3M+45.9% | -$22.8M-579.0% | -$3.4M+29.3% | -$4.8M |
| Financing Cash Flow | $317K+106.9% | -$4.6M-319.9% | $2.1M+27.5% | $1.6M-82.4% | $9.3M-25.5% | $12.5M+866.3% | $1.3M-61.8% | $3.4M |
| Dividends Paid | $164K0.0% | $164K+1.2% | $162K+48.6% | $109K+0.9% | $108K-4.4% | $113K-1.7% | $115K+35.3% | $85K |
| Share Buybacks | N/A | N/A | $0-100.0% | $21K-98.9% | $2.0M+710.0% | $241K-1.6% | $245K-90.9% | $2.7M |
MSVB Financial Ratios
| Metric | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 140.9%+6.5pp | 134.4%+119.3pp | 15.1%-172.4pp | 187.5%+14.5pp | 173.0%-5.9pp | 178.9%+159.5pp | 19.4%-143.4pp | 162.9% |
| Return on Equity | 1.2%+0.2pp | 1.0%-0.2pp | 1.1%-0.5pp | 1.7%+0.1pp | 1.5%+0.4pp | 1.1%+0.3pp | 0.8%-0.2pp | 1.0% |
| Return on Assets | 0.1%+0.0pp | 0.1%-0.0pp | 0.1%-0.1pp | 0.2%-0.0pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.1%-0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.81+0.2 | 6.62-0.5 | 7.08-0.5 | 7.59+0.8 | 6.75+1.4 | 5.39+0.9 | 4.460.0 | 4.46 |
| FCF Margin | 231.0%-61.9pp | 292.9%+278.4pp | 14.5%-227.6pp | 242.1%+81.9pp | 160.2%-69.3pp | 229.5%+205.1pp | 24.4%-227.3pp | 251.8% |
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Frequently Asked Questions
What is Mid-Southern Bancorp Inc's annual revenue?
Mid-Southern Bancorp Inc (MSVB) reported $1.1M in total revenue for fiscal year 2022. This represents a -0.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Mid-Southern Bancorp Inc's revenue growing?
Mid-Southern Bancorp Inc (MSVB) revenue declined by 0.9% year-over-year, from $1.1M to $1.1M in fiscal year 2022.
Is Mid-Southern Bancorp Inc profitable?
Yes, Mid-Southern Bancorp Inc (MSVB) reported a net income of $1.9M in fiscal year 2022, with a net profit margin of 168.1%.
What is Mid-Southern Bancorp Inc's earnings per share (EPS)?
Mid-Southern Bancorp Inc (MSVB) reported diluted earnings per share of $0.69 for fiscal year 2022. This represents a 25.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Mid-Southern Bancorp Inc's net profit margin?
Mid-Southern Bancorp Inc (MSVB) had a net profit margin of 168.1% in fiscal year 2022, representing the share of revenue converted into profit after all expenses.
Does Mid-Southern Bancorp Inc pay dividends?
Yes, Mid-Southern Bancorp Inc (MSVB) paid $0.18 per share in dividends during fiscal year 2022.
What is Mid-Southern Bancorp Inc's return on equity (ROE)?
Mid-Southern Bancorp Inc (MSVB) has a return on equity of 5.6% for fiscal year 2022, measuring how efficiently the company generates profit from shareholder equity.
What is Mid-Southern Bancorp Inc's free cash flow?
Mid-Southern Bancorp Inc (MSVB) generated $2.1M in free cash flow during fiscal year 2022. This represents a -5.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Mid-Southern Bancorp Inc's operating cash flow?
Mid-Southern Bancorp Inc (MSVB) generated $2.6M in operating cash flow during fiscal year 2022, representing cash generated from core business activities.
What are Mid-Southern Bancorp Inc's total assets?
Mid-Southern Bancorp Inc (MSVB) had $269.2M in total assets as of fiscal year 2022, including both current and long-term assets.
What are Mid-Southern Bancorp Inc's capital expenditures?
Mid-Southern Bancorp Inc (MSVB) invested $446K in capital expenditures during fiscal year 2022, funding long-term assets and infrastructure.
Does Mid-Southern Bancorp Inc buy back shares?
Yes, Mid-Southern Bancorp Inc (MSVB) spent $2.2M on share buybacks during fiscal year 2022, returning capital to shareholders by reducing shares outstanding.
How many shares does Mid-Southern Bancorp Inc have outstanding?
Mid-Southern Bancorp Inc (MSVB) had 3M shares outstanding as of fiscal year 2022.
What is Mid-Southern Bancorp Inc's debt-to-equity ratio?
Mid-Southern Bancorp Inc (MSVB) had a debt-to-equity ratio of 7.08 as of fiscal year 2022, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Mid-Southern Bancorp Inc's return on assets (ROA)?
Mid-Southern Bancorp Inc (MSVB) had a return on assets of 0.7% for fiscal year 2022, measuring how efficiently the company uses its assets to generate profit.
What is Mid-Southern Bancorp Inc's Piotroski F-Score?
Mid-Southern Bancorp Inc (MSVB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Mid-Southern Bancorp Inc's earnings high quality?
Mid-Southern Bancorp Inc (MSVB) has an earnings quality ratio of 1.36x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Mid-Southern Bancorp Inc?
Mid-Southern Bancorp Inc (MSVB) scores 37 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.