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.

MID-SOUTHERN BANCORP (MSVB) Financials

MSVB OTC

Trailing 12 months to June 30, 2023

Revenue $8.9M +4.7% YoY

Net Income $1.6M -10.8% YoY

EPS (Diluted) $0.60 -7.7% YoY

Free Cash Flow $2.4M +6.8% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2023, ended Jun 30, 2023 Reported Aug 11, 2023 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2023, filed Aug 11, 2023. Each column of the statement tables below links to the filing it was taken from.

MID-SOUTHERN BANCORP INC (MSVB) reported $8.9M in revenue over the twelve months to Jun 30, 2023, up 4.7% from the prior twelve months. This page shows its 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).

Rhea AI MSVB FY2022 2026-10-25

Profit is improving, but liability funding is expanding faster than equity, making growth increasingly dependent on the balance sheet.

FY2022 net income grew 17.0% while net profit margin improved by 1.3 percentage points, indicating better earnings economics rather than growth alone. Yet free cash flow fell 5.5% as capital expenditures rose 146.4%, so more of the business’s cash was being absorbed by reinvestment.

Liabilities reached 87.6% of assets in FY2022 as equity fell 28.4% from FY2021, leaving the balance sheet materially more liability-funded. ROE rose 2.2 percentage points while ROA increased only 0.1 percentage points, suggesting the stronger equity return was amplified by a smaller equity base rather than matching improvement across the asset base.

Operating cash flow ran at 135.8% of net income in FY2022, showing that reported earnings were accompanied by cash generation rather than merely accounting profit. Free cash flow was $2.1M after $446K of capital expenditures, meaning operating cash remained positive but was not fully available after reinvestment.

Financial Health Signals

Financial health score not available

MID-SOUTHERN BANCORP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/6

MID-SOUTHERN BANCORP INC passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.2M

YoY-5.1%

QoQ+5.8%

5Y CAGR+4.5%

MID-SOUTHERN BANCORP INC generated $2.2M in revenue in Q2 2023. This represents a decrease of 5.1% from the same quarter a year earlier. Against the prior quarter it is up 5.8%.

Net Income

$400K

YoY-24.0%

QoQ+17.6%

5Y CAGR+6.2%

MID-SOUTHERN BANCORP INC reported $400K in net income in Q2 2023. This represents a decrease of 24.0% from the same quarter a year earlier. Against the prior quarter it is up 17.6%.

EPS (Diluted)

$0.14

YoY-26.3%

QoQ+7.7%

5Y CAGR+9.2%

MID-SOUTHERN BANCORP INC earned $0.14 per diluted share (EPS) in Q2 2023. This represents a decrease of 26.3% from the same quarter a year earlier. Against the prior quarter it is up 7.7%.

EBITDA

Not reported for Q2 2023.

Cash & Balance Sheet

Free Cash Flow

$656K

YoY+34.7%

QoQ-11.5%

MID-SOUTHERN BANCORP INC generated $656K in free cash flow in Q2 2023, representing cash available after capex. This represents an increase of 34.7% from the same quarter a year earlier. Against the prior quarter it is down 11.5%.

Cash & Debt

$5.9M

YoY+32.7%

QoQ+31.2%

5Y CAGR-32.9%

MID-SOUTHERN BANCORP INC held $5.9M in cash as of Q2 2023; no long-term debt figure is on record for that period.

Dividends Per Share

$0.06

YoY+50.0%

QoQ0.0%

MID-SOUTHERN BANCORP INC paid $0.06 per share in dividends in Q2 2023. This represents an increase of 50.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.5%

QoQ0.0%

5Y CAGR-4.2%

MID-SOUTHERN BANCORP INC had 3M shares outstanding in Q2 2023. This represents an increase of 0.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

18.0%

YoY-4.5pp

QoQ+1.8pp

5Y change+1.4pp

MID-SOUTHERN BANCORP INC's net profit margin was 18.0% in Q2 2023, showing the share of revenue converted to profit. This is down 4.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.8 percentage points.

Return on Equity

1.2%

YoY-0.4pp

QoQ+0.2pp

5Y change-0.1pp

MID-SOUTHERN BANCORP INC's quarterly ROE was 1.2% in Q2 2023: one quarter's net income over shareholder equity, not annualized. This is down 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2023.

Operating Margin

Not reported for Q2 2023.

Capital Allocation

Capital Expenditures

$19K

YoY-90.0%

QoQ-64.8%

MID-SOUTHERN BANCORP INC invested $19K in capex in Q2 2023, funding long-term assets and infrastructure. This represents a decrease of 90.0% from the same quarter a year earlier. Against the prior quarter it is down 64.8%.

R&D Spending

Not reported for Q2 2023.

Share Buybacks

Not reported for Q2 2023.

MSVB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MSVB quarterly income statement

Metric	TTM	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$8.9M	$8.9M+9.8%	$8.2M+10.4%	$7.4M-6.3%	$7.9M+6.6%	$7.4M+10.1%	$6.7M
Interest Expense	$2.1M	$1.1M+71.7%	$651K-30.4%	$936K+1.2%	$925K+26.9%	$729K+11.3%	$655K
Income Tax	$5K	$91K+35.8%	$67K+91.4%	$35K-58.8%	$85K-71.2%	$295K-70.0%	$982K
Net Income	$1.6M	$1.9M+17.0%	$1.6M+35.0%	$1.2M+24.1%	$960K-32.1%	$1.4M+20.5%	$1.2M
EPS (Basic)	N/A	$0.69+25.5%	$0.55+44.7%	$0.38+31.0%	$0.29-29.3%	$0.41+20.6%	$0.34
EPS (Diluted)	$0.60	$0.69+25.5%	$0.55+44.7%	$0.38+31.0%	$0.29-29.3%	$0.41+20.6%	$0.34
Diluted Shares (Avg)	N/A	3M-6.4%	3M-8.1%	3M-5.6%	3M-1.4%	3M-1.1%	3M

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Revenue	$2.2M-5.1%	$2.1M+4.3%	$2.3M+8.6%	$2.3M+12.5%	$2.3M+15.3%	$2.0M+2.5%	$2.1M+11.9%	$2.0M+12.8%
Interest Expense	$687K+297.1%	$623K+315.3%	$501K+234.0%	$294K+79.3%	$173K+3.6%	$150K-11.8%	$150K-24.2%	$164K-27.4%
Income Tax	$9K-62.5%	-$37K-208.8%	$2K-81.8%	$31K-6.1%	$24K+300.0%	$34K+100.0%	$11Kn/m	$33Kn/m
Net Income	$400K-24.0%	$340K-27.2%	$376K-0.3%	$512K+12.3%	$526K+32.5%	$467K+23.5%	$377K+88.5%	$456K+72.7%
EPS (Basic)	$0.14-26.3%	$0.13-23.5%	$0.14+7.7%	$0.19+18.8%	$0.19+46.2%	$0.17+30.8%	$0.13+85.7%	$0.16+77.8%
EPS (Diluted)	$0.14-26.3%	$0.13-23.5%	$0.14+7.7%	$0.19+18.8%	$0.19+46.2%	$0.17+30.8%	$0.13+85.7%	$0.16+77.8%
Diluted Shares (Avg)	3M-0.8%	3M-4.1%	N/A	3M-7.0%	3M-8.4%	3M-5.3%	N/A	3M-7.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

MSVB Balance Sheet

MSVB quarterly balance sheet

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$269.2M+5.9%	$254.3M+8.0%	$235.4M+12.9%	$208.4M+3.9%	$200.7M+13.6%	$176.7M
Cash & Equivalents	$5.7M-65.3%	$16.4M+69.5%	$9.7M-48.7%	$18.8M+48.2%	$12.7M+70.2%	$7.5M
Total Liabilities	$235.9M+13.6%	$207.7M+11.5%	$186.4M+18.2%	$157.6M+3.8%	$151.8M-0.5%	$152.5M
Long-Term Debt	N/A	N/A	$16.2M	N/A	N/A	N/A
Total Equity	$33.3M-28.4%	$46.5M-5.1%	$49.0M-3.6%	$50.8M+4.0%	$48.8M+102.2%	$24.2M
Retained Earnings	$24.9M+5.9%	$23.5M+5.5%	$22.3M+4.4%	$21.4M+3.3%	$20.7M+7.0%	$19.3M

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Total Assets	$266.3M-0.1%	$266.4M+1.9%	$269.2M+5.9%	$264.5M+4.9%	$266.5M+6.9%	$261.5M+6.8%	$254.3M+8.0%	$252.3M+15.6%
Cash & Equivalents	$5.9M+32.7%	$4.5M-33.7%	$5.7M-65.3%	$4.0M-77.6%	$4.4M-76.1%	$6.7M-71.7%	$16.4M+69.5%	$17.9M+15.7%
Total Liabilities	$232.2M0.0%	$231.4M+4.9%	$235.9M+13.6%	$233.7M+13.4%	$232.1M+16.0%	$220.5M+12.0%	$207.7M+11.5%	$206.0M+21.6%
Total Equity	$34.1M-0.9%	$34.9M-14.7%	$33.3M-28.4%	$30.8M-33.3%	$34.4M-30.0%	$41.0M-14.5%	$46.5M-5.1%	$46.2M-5.4%
Retained Earnings	$24.8M+2.3%	$24.6M+3.1%	$24.9M+5.9%	$24.7M+6.2%	$24.3M+6.1%	$23.9M+5.7%	$23.5M+5.5%	$23.3M+5.0%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

MSVB Cash Flow Statement

MSVB quarterly cash flow statement

Metric	TTM	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$2.7M	$2.6M+5.9%	$2.4M+30.6%	$1.8M+16.0%	$1.6M-37.0%	$2.5M+89.6%	$1.3M
Depreciation & Amortization	N/A	$189K+11.2%	$170K+9.0%	$156K+9.1%	$143K+15.3%	$124K-10.8%	$139K
Stock-Based Compensation	N/A	$268K+11.7%	$240K+9.1%	$220K+20.2%	$183K+18200.0%	$1K-50.0%	$2K
Capital Expenditures	$289K	$446K+146.4%	$181K+37.1%	$132K+48.3%	$89K+85.4%	$48K+128.6%	$21K
Free Cash Flow	$2.4M	$2.1M-5.5%	$2.2M+30.1%	$1.7M+14.1%	$1.5M-39.4%	$2.5M+88.9%	$1.3M
Investing Cash Flow	-$715K	-$38.8Mn/m	-$14.1Mn/m	-$33.8Mn/m	-$570Kn/m	-$18.8M-25871.2%	$73K
Financing Cash Flow	-$548K	$25.6M+39.2%	$18.4M-19.5%	$22.8M+348.4%	$5.1M-76.3%	$21.5Mn/m	-$2.3M
Dividends Paid	$599K	$492K+29.5%	$380K+49.0%	$255K-5.2%	$269K+301.5%	$67K	N/A
Share Buybacks	N/A	$2.2M-26.6%	$3.0M-40.2%	$5.0M+914.9%	$497K	N/A	N/A

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Operating Cash Flow	$675K-0.3%	$795K+24.4%	$421K-24.1%	$817K+14.4%	$677K+28.0%	$639K+4.1%	$555K+8.4%	$714K+127.4%
Depreciation & Amortization	$47K+11.9%	$48K+6.7%	$44K0.0%	$58K+38.1%	$42K-4.5%	$45K+12.5%	$44K+12.8%	$42K+7.7%
Stock-Based Compensation	N/A	$67K+24.1%	N/A	N/A	N/A	$54K-6.9%	N/A	$40K+25.0%
Capital Expenditures	$19K-90.0%	$54K+35.0%	$60K-25.9%	$156K+1633.3%	$190K+955.6%	$40K-56.0%	$81K-28.3%	-$9K-73.5%
Free Cash Flow	$656K+34.7%	$741K+23.7%	$361K-23.8%	$661K-6.2%	$487K-4.7%	$599K+14.5%	$474K+18.8%	$705K+151.8%
Investing Cash Flow	$405Kn/m	$2.6Mn/m	-$835Kn/m	-$2.9Mn/m	-$12.3Mn/m	-$22.8M-1023.1%	-$3.4Mn/m	-$4.8Mn/m
Financing Cash Flow	$317K-96.6%	-$4.6M-136.7%	$2.1M+61.1%	$1.6M-51.8%	$9.3M+252.3%	$12.5M+13.4%	$1.3M-91.8%	$3.4M+452.4%
Dividends Paid	$164K+51.9%	$164K+45.1%	$162K+40.9%	$109K+28.2%	$108K+21.3%	$113K+24.2%	$115K+91.7%	$85K+37.1%
Share Buybacks	N/A	N/A	$0-100.0%	$21K-99.2%	$2.0M+2169.8%	$241K+4720.0%	$245K-69.5%	$2.7M+13.6%

MSVB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MSVB quarterly financial ratios

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Net Margin	21.0%+1.3pp	19.7%+3.6pp	16.1%+3.9pp	12.2%-6.9pp	19.1%+1.6pp	17.5%
Return on Equity	5.6%+2.2pp	3.5%+1.0pp	2.4%+0.5pp	1.9%-1.0pp	2.9%-2.0pp	4.9%
Return on Assets	0.7%+0.1pp	0.6%+0.1pp	0.5%+0.1pp	0.5%-0.2pp	0.7%0.0pp	0.7%
Debt-to-Equity	N/A	N/A	0.33	N/A	N/A	N/A
Liabilities-to-Equity	7.08+2.6x	4.46+0.7x	3.80+0.7x	3.100.0x	3.11-3.2x	6.31
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	23.6%-3.8pp	27.4%+4.1pp	23.2%+4.2pp	19.1%-14.5pp	33.6%+14.0pp	19.6%

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Net Margin	18.0%-4.5pp	16.2%-7.0pp	16.4%-1.5pp	22.3%0.0pp	22.4%+2.9pp	23.1%+3.9pp	17.9%+7.3pp	22.4%+7.8pp
Return on Equity	1.2%-0.4pp	1.0%-0.2pp	1.1%+0.3pp	1.7%+0.7pp	1.5%+0.7pp	1.1%+0.3pp	0.8%+0.4pp	1.0%+0.5pp
Return on Assets	0.1%-0.1pp	0.1%-0.1pp	0.1%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.1%+0.1pp	0.2%+0.1pp
Liabilities-to-Equity	6.81+0.1x	6.62+1.2x	7.08+2.6x	7.59+3.1x	6.75+2.7x	5.39+1.3x	4.46+0.7x	4.46+1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	29.5%+8.7pp	35.2%+5.5pp	15.8%-6.7pp	28.8%-5.8pp	20.8%-4.4pp	29.7%+3.1pp	22.5%+1.3pp	34.6%+19.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Where MID-SOUTHERN BANCORP INC Ranks

Frequently Asked Questions

What is MID-SOUTHERN BANCORP INC's annual revenue?

MID-SOUTHERN BANCORP INC (MSVB) reported $8.9M in total revenue for fiscal year 2022. This represents a 9.8% 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 grew by 9.8% year-over-year, from $8.2M to $8.9M in fiscal year 2022.

Is MID-SOUTHERN BANCORP INC profitable?

Yes, MID-SOUTHERN BANCORP INC (MSVB) reported a net income of $1.6M over the trailing 12 months to June 30, 2023. In fiscal year 2022 it reported a net income of $1.9M, with a net profit margin of 21.0%.

What is MID-SOUTHERN BANCORP INC's net profit margin?

MID-SOUTHERN BANCORP INC (MSVB) had a net profit margin of 21.0% 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 liabilities-to-equity ratio?

MID-SOUTHERN BANCORP INC (MSVB) had a liabilities-to-equity ratio of 7.08 as of fiscal year 2022, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2022, because the filing data we hold for that year carries no long-term debt figure.

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 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.