NasdaqGM:WVFC

Stock Analysis Report

Executive Summary

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses.

Snowflake

Fundamentals

Excellent balance sheet and fair value.

Risks

  • WVS Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has WVS Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-5.4%

NasdaqGM:WVFC

0%

US Mortgage

-0.02%

US Market


1 Year Return

-6.1%

NasdaqGM:WVFC

5.0%

US Mortgage

1.6%

US Market

WVFC underperformed the Mortgage industry which returned 5.8% over the past year.

WVFC underperformed the Market in United States of America which returned 1.9% over the past year.


Share holder returns

WVFCIndustryMarket
7 Day-5.4%0%-0.02%
30 Day-11.1%4.3%2.7%
90 Day-14.6%4.1%1.4%
1 Year-3.4%-6.1%7.3%5.0%3.8%1.6%
3 Year34.8%26.0%39.3%29.9%45.2%35.8%
5 Year54.1%39.2%70.1%51.8%61.8%44.1%

Price Volatility Vs. Market

How volatile is WVS Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is WVS Financial undervalued based on future cash flows and its price relative to the stock market?

9.63x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

WVS Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

WVS Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

WVS Financial is good value based on earnings compared to the US Mortgage industry average.

WVS Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for WVS Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

WVS Financial is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is WVS Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if WVS Financial is high growth as no revenue estimate data is available.

WVS Financial's earnings are expected to grow by 6.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare WVS Financial's revenue growth to the United States of America market average as no estimate data is available.

WVS Financial's earnings growth is positive but not above the United States of America market average.

WVS Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if WVS Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has WVS Financial performed over the past 5 years?

20.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

WVS Financial has delivered over 20% year on year earnings growth in the past 5 years.

WVS Financial's 1-year earnings growth exceeds its 5-year average (31.5% vs 20.5%)

WVS Financial's earnings growth has not exceeded the US Mortgage industry average in the past year (31.5% vs 31.9%).


Return on Equity

WVS Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

WVS Financial used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if WVS Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is WVS Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

WVS Financial has an acceptable proportion of non-loan assets held.

WVS Financial has a sufficient allowance for bad loans.

WVS Financial's liabilities are made up of primarily higher risk sources of funding.

WVS Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at WVS Financial are broadly funded by customer deposits.

WVS Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is WVS Financial's current dividend yield, its reliability and sustainability?

3.17%

Current Dividend Yield


Dividend Yield and Payments Analysis

WVS Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).

WVS Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.69%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4.4x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of WVS Financial's salary, the management and board of directors tenure and is there insider trading?

6.8yrs

Average management tenure


CEO

Dave Bursic (57yo)

21.3yrs

Tenure

US$454,713

Compensation

Mr. David J. Bursic, also known as Dave, has served as President and Chief Executive Officer of WVS Financial Corp. and West View Savings Bank. He serves as Director of West View Savings Bank and WVS Finan ...


CEO Compensation Analysis

Dave's remuneration is about average for companies of similar size in United States of America.

Dave's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

6.8yrs

Average Tenure

58yo

Average Age

The average tenure for the WVS Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

5.8yrs

Average Tenure

65yo

Average Age

The tenure for the WVS Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Dave Bursic (57yo)

    President

    • Tenure: 21.3yrs
    • Compensation: US$454.71k
  • Linda Butia (66yo)

    VP, Treasurer & Chief Accounting Officer

    • Tenure: 3.1yrs
    • Compensation: US$102.62k
  • Michael Rutan (58yo)

    Senior VP of Operations & Corporate Secretary

    • Tenure: 6.8yrs
    • Compensation: US$157.22k

Board Members

  • John Howard (65yo)

    Director

    • Tenure: 4.9yrs
    • Compensation: US$29.40k
  • Dave Bursic (57yo)

    President

    • Tenure: 21.3yrs
    • Compensation: US$454.71k
  • Donald Hook (90yo)

    Director Emeritus

    • Tenure: 0yrs
    • Compensation: US$20.76k
  • Lawrence Lehman (67yo)

    Director

    • Tenure: 17.7yrs
    • Compensation: US$29.40k
  • John Grace (76yo)

    Chairman of the Board

    • Tenure: 5.7yrs
    • Compensation: US$35.40k
  • Edward Twomey (65yo)

    Director

    • Tenure: 4.4yrs
    • Compensation: US$29.40k
  • Joseph Unger (58yo)

    Director

    • Tenure: 5.8yrs
    • Compensation: US$29.40k

Company Information

WVS Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: WVS Financial Corp.
  • Ticker: WVFC
  • Exchange: NasdaqGM
  • Founded: 1993
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$26.798m
  • Shares outstanding: 1.77m
  • Website: https://www.wvsbank.com

Number of Employees


Location

  • WVS Financial Corp.
  • 9001 Perry Highway
  • Pittsburgh
  • Pennsylvania
  • 15237
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WVFCNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDNov 1993

Biography

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses. The company offers various deposit produ ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/18 23:41
End of Day Share Price2019/09/18 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.