VEL

Validea Motley Fool Strategy Daily Upgrade Report - 4/13/2022

The following are today's upgrades for Validea's Small-Cap Growth Investor model based on the published strategy of Motley Fool. This strategy looks for small cap growth stocks with solid fundamentals and strong price performance.

VELOCITY FINANCIAL INC (VEL) is a small-cap value stock in the Consumer Financial Services industry. The rating according to our strategy based on Motley Fool changed from 63% to 76% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Velocity Financial, Inc. is a vertically integrated real estate finance company. The Company originates and manages investor loans secured by one-to-four-unit residential rental and small commercial properties, which it refers to collectively as investor real estate loans. It originates loans nationwide across its network of independent mortgage brokers. The Company's portfolio includes loans held for investment and loans held for sale. Its loan is secured by a first lien on the underlying property with the added protection of a personal guarantee. Its loan portfolio totaled $2.1 billion of unpaid principal balance (UPB) on properties in 45 states and the District of Columbia. The Company funds its portfolio primarily through a combination of committed and uncommitted secured warehouse facilities, securitizations, corporate debt and equity.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

PROFIT MARGIN:PASS
RELATIVE STRENGTH:FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR:FAIL
INSIDER HOLDINGS:PASS
CASH FLOW FROM OPERATIONS:PASS
PROFIT MARGIN CONSISTENCY:PASS
R&D AS A PERCENTAGE OF SALES:NEUTRAL
CASH AND CASH EQUIVALENTS:FAIL
ACCOUNTS RECEIVABLE TO SALES:PASS
"THE FOOL RATIO" (P/E TO GROWTH):PASS
AVERAGE SHARES OUTSTANDING:PASS
SALES:PASS
DAILY DOLLAR VOLUME:FAIL
PRICE:PASS
INCOME TAX PERCENTAGE:PASS

Detailed Analysis of VELOCITY FINANCIAL INC

Full Guru Analysis for VEL

Full Factor Report for VEL

PROFESSIONAL HOLDING CORP (PFHD) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 59% to 72% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Professional Holding Corp. is the bank holding company for Professional Bank (the Bank), a Florida banking corporation. The Company is focused on providing commercial banking products and services designed to meet the needs of its clients. Its clients are small to medium sized businesses, the owners and operators of these businesses, and other professionals and entrepreneurs. The Company conducts its banking operations from over nine branch locations in the Miami-Fort Lauderdale-West Palm Beach or Miami-Dade metropolitan statistical area (MSA), which encompasses over three counties in Florida Miami-Dade, Broward and Palm Beach. Its Digital Innovation Center in Cleveland supports its investments in digital and technology.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

PROFIT MARGIN:PASS
RELATIVE STRENGTH:FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR:FAIL
INSIDER HOLDINGS:FAIL
CASH FLOW FROM OPERATIONS:PASS
PROFIT MARGIN CONSISTENCY:PASS
R&D AS A PERCENTAGE OF SALES:NEUTRAL
CASH AND CASH EQUIVALENTS:PASS
"THE FOOL RATIO" (P/E TO GROWTH):PASS
AVERAGE SHARES OUTSTANDING:PASS
SALES:PASS
DAILY DOLLAR VOLUME:FAIL
PRICE:PASS
INCOME TAX PERCENTAGE:FAIL

Detailed Analysis of PROFESSIONAL HOLDING CORP

Full Guru Analysis for PFHD

Full Factor Report for PFHD

ENCORE CAPITAL GROUP, INC. (ECPG) is a small-cap value stock in the Business Services industry. The rating according to our strategy based on Motley Fool changed from 68% to 72% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: Encore Capital Group, Inc. is a specialty finance company providing debt recovery solutions and other related services for consumers across a range of financial assets. It purchases portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. Defaulted receivables are consumers' unpaid financial commitments to credit originators, including banks, credit unions, consumer finance companies and commercial retailers. Defaulted receivables may also include receivables subject to bankruptcy proceedings. It also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It through Midland Credit Management, Inc. is engaged in portfolio purchasing and recovery in the United States. It through Cabot Credit Management Limited is credit management services providers in Europe and the United Kingdom.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

PROFIT MARGIN:PASS
RELATIVE STRENGTH:PASS
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR:FAIL
INSIDER HOLDINGS:FAIL
CASH FLOW FROM OPERATIONS:PASS
PROFIT MARGIN CONSISTENCY:PASS
R&D AS A PERCENTAGE OF SALES:NEUTRAL
CASH AND CASH EQUIVALENTS:PASS
ACCOUNTS RECEIVABLE TO SALES:PASS
LONG TERM DEBT/EQUITY RATIO:FAIL
"THE FOOL RATIO" (P/E TO GROWTH):PASS
AVERAGE SHARES OUTSTANDING:PASS
SALES:FAIL
DAILY DOLLAR VOLUME:PASS
PRICE:PASS
INCOME TAX PERCENTAGE:FAIL

Detailed Analysis of ENCORE CAPITAL GROUP, INC.

Full Guru Analysis for ECPG

Full Factor Report for ECPG

C&F FINANCIAL CORP (CFFI) is a small-cap value stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 63% to 76% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: C&F Financial Corporation is a bank holding company. The Company owns and operates through its subsidiary, Citizens and Farmers Bank (the Bank), which is an independent commercial bank. It operates through three segments: community banking through C&F Bank, mortgage banking through C&F Mortgage Corporation (C&F Mortgage) and consumer finance through C&F Finance Company (C&F Finance). The community banking segment services include various types of checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity and installment loans. The C&F Mortgage segment provides mortgage loan origination services through approximately 14 locations in Virginia, over one in Maryland, over two in North Carolina, over one in South Carolina, and over one in West Virginia. The C&F Finance segment is a regional finance company purchasing automobile, marine and recreational vehicle (RV) loans.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

PROFIT MARGIN:PASS
RELATIVE STRENGTH:FAIL
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR:FAIL
INSIDER HOLDINGS:FAIL
CASH FLOW FROM OPERATIONS:PASS
PROFIT MARGIN CONSISTENCY:PASS
R&D AS A PERCENTAGE OF SALES:NEUTRAL
CASH AND CASH EQUIVALENTS:PASS
"THE FOOL RATIO" (P/E TO GROWTH):PASS
AVERAGE SHARES OUTSTANDING:PASS
SALES:PASS
DAILY DOLLAR VOLUME:FAIL
PRICE:PASS
INCOME TAX PERCENTAGE:PASS

Detailed Analysis of C&F FINANCIAL CORP

Full Guru Analysis for CFFI

Full Factor Report for CFFI

ICICI BANK LTD (ADR) (IBN) is a large-cap growth stock in the Regional Banks industry. The rating according to our strategy based on Motley Fool changed from 65% to 72% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.

Company Description: ICICI Bank Limited (the Bank) is a banking company. The Bank is engaged in providing a range of banking and financial services including commercial banking and treasury operations. The Bank's business segments include Retail Banking, Wholesale Banking, Treasury, and Other Banking. The Bank provides a range of products, which includes savings account, women's account, senior citizen account, current accounts, credit cards, home loan, personal loan, car loan, gold loan, fixed deposit, recurring deposit, life insurance, and general insurance. It provides a range of Internet banking services, which includes pay bills, raise service request, and make transfers. It also offers a range of mobile banking services, which includes iMobile Pay, short message service (SMS) banking, Call to Pay, and immediate payment service (IMPS). Its general insurance products include health insurance, travel insurance, home insurance, two wheeler insurance, and car insurance.

The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.

PROFIT MARGIN:PASS
RELATIVE STRENGTH:PASS
COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR:FAIL
INSIDER HOLDINGS:FAIL
CASH FLOW FROM OPERATIONS:PASS
PROFIT MARGIN CONSISTENCY:PASS
R&D AS A PERCENTAGE OF SALES:NEUTRAL
CASH AND CASH EQUIVALENTS:FAIL
"THE FOOL RATIO" (P/E TO GROWTH):PASS
AVERAGE SHARES OUTSTANDING:FAIL
SALES:FAIL
DAILY DOLLAR VOLUME:FAIL
PRICE:PASS
INCOME TAX PERCENTAGE:PASS

Detailed Analysis of ICICI BANK LTD (ADR)

Full Guru Analysis for IBN

Full Factor Report for IBN

More details on Validea's Motley Fool strategy

About Motley Fool: Brothers David and Tom Gardner often wear funny hats in public appearances, but they're hardly fools -- at least not the kind whose advice you should readily dismiss. The Gardners are the founders of the popular Motley Fool web site, which offers frank and often irreverent commentary on investing, the stock market, and personal finance. The Gardners' "Fool" really is a multi-media endeavor, offering not only its web content but also several books written by the brothers, a weekly syndicated newspaper column, and subscription newsletter services.

About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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