VERF Stock Overview

Operates as the thrift holding company for Versailles Savings and Loan Company that provides financial products and services in Darke and Shelby counties. More details

VERF fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (14.9x) is below the US market (18.3x)

Risk Analysis

Does not have a meaningful market cap ($7M)

Shares are highly illiquid

Does not have meaningful revenue ($2M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Versailles Financial Corporation Competitors

Union Financial

OTCPK:UFCP

US$8.2m

First Niles Financial

OTCPK:FNFI

US$8.9m

Southern Banc Company

OTCPK:SRNN

US$10.4m

Mercer Bancorp

OTCPK:MSBB

US$14.4m

Price History & Performance

Summary of share price highs, lows and changes for Versailles Financial
Historical stock prices
Current Share Price	US$21.00
52 Week High	US$21.00
52 Week Low	US$20.50
Beta	0.065
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	-40.00%
Change since IPO	75.00%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	VERF	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	n/a	29.1%	23.3%

Return vs Industry: Insufficient data to determine how VERF performed against the US Banks industry.

Return vs Market: Insufficient data to determine how VERF performed against the US Market.

Price Volatility

Is VERF's price volatile compared to industry and market?
VERF volatility
VERF Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: VERF has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine VERF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1887	n/a	Jerry Bey	versaillesfinancialcorp.com

Versailles Financial Corporation operates as the thrift holding company for Versailles Savings and Loan Company that provides financial products and services in Darke and Shelby counties. Its deposit products include checking accounts, money market accounts, passbook savings accounts, statement savings accounts, time deposits, business accounts, IRAs, and certificates of deposit. The company also provides real estate loans, including fixed rate and variable rate, construction/permanent, home improvement, and building lot loans, as well as first time home buyer programs; consumer loans, such as new and used cars and light trucks, motorcycles, watercraft, and recreational vehicles loans; personal loans; and commercial loans.

Versailles Financial Corporation Fundamentals Summary

How do Versailles Financial's earnings and revenue compare to its market cap?
VERF fundamental statistics
Market cap	US$6.62m
Earnings (TTM)	US$445.51k
Revenue (TTM)	US$2.06m

14.9x

P/E Ratio

0.5x

P/B Ratio

Is VERF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VERF income statement (TTM)
Revenue	US$2.06m
Cost of Revenue	US$0
Gross Profit	US$2.06m
Other Expenses	US$1.61m
Earnings	US$445.51k

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.41
Gross Margin	100.00%
Net Profit Margin	21.63%
Debt/Equity Ratio	16.1%

How did VERF perform over the long term?

See historical performance and comparison

Dividends

2.4%

Current Dividend Yield

41%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/09/28 21:44
End of Day Share Price	2024/07/01 00:00
Earnings	2024/03/31
Annual Earnings	2023/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Versailles Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution