MSB Financial Corp Stock Upgraded (MSBF)

Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link.

NEW YORK ( TheStreet) -- MSB Financial (Nasdaq: MSBF) has been upgraded by TheStreet Ratings from hold to buy. The company's strengths can be seen in multiple areas, such as its revenue growth, compelling growth in net income, good cash flow from operations, expanding profit margins and impressive record of earnings per share growth. Although no company is perfect, currently we do not see any significant weaknesses which are likely to detract from the generally positive outlook.

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Highlights from the ratings report include:
  • MSBF's revenue growth has slightly outpaced the industry average of 0.1%. Since the same quarter one year prior, revenues slightly increased by 2.5%. This growth in revenue appears to have trickled down to the company's bottom line, improving the earnings per share.
  • The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Thrifts & Mortgage Finance industry. The net income increased by 173.0% when compared to the same quarter one year prior, rising from $0.09 million to $0.24 million.
  • Net operating cash flow has increased to $0.68 million or 19.47% when compared to the same quarter last year. In addition, MSB FINANCIAL CORP has also vastly surpassed the industry average cash flow growth rate of -36.19%.
  • The gross profit margin for MSB FINANCIAL CORP is currently very high, coming in at 77.19%. It has increased from the same quarter the previous year. Regardless of the strong results of the gross profit margin, the net profit margin of 7.54% trails the industry average.
  • MSB FINANCIAL CORP reported significant earnings per share improvement in the most recent quarter compared to the same quarter a year ago. This company has not demonstrated a clear trend in earnings over the past two years, making it difficult to accurately predict earnings for the coming year. During the past fiscal year, MSB FINANCIAL CORP swung to a loss, reporting -$0.28 versus $0.09 in the prior year.

MSB Financial Corp. operates as the holding company for Millington Savings Bank that offers various banking products and services in New Jersey. MSB Financial has a market cap of $42.1 million and is part of the financial sector and banking industry. Shares are up 5.3% year to date as of the close of trading on Thursday.

You can view the full MSB Financial Ratings Report or get investment ideas from our investment research center.

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Disclosure: TheStreet's editorial policy prohibits staff editors, reporters and analysts from holding positions in any individual stocks.

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