Victory Bancorp
Market Cap
US$19.9m
Last Updated
2019/08/23 00:41 UTC
Data Sources
Company Financials
Executive Summary
The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking services for small and middle market commercial and retail customers in Montgomery County, Pennsylvania.
Snowflake
Fundamentals
Flawless balance sheet and good value.
Risks
- Victory Bancorp is not covered by any analysts.
Share Price & News
How has Victory Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
2.0%
OTCPK:VTYB
3.3%
US Banks
2.1%
US Market
1 Year Return
27.4%
OTCPK:VTYB
-13.8%
US Banks
-0.04%
US Market
VTYB outperformed the Banks industry which returned -14.8% over the past year.
VTYB outperformed the Market in United States of America which returned 0.2% over the past year.
Share holder returns
| VTYB | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.0% | 3.3% | 2.1% |
| 30 Day | 6.1% | -7.0% | -3.2% |
| 90 Day | 17.1% | -2.3% | 2.8% |
| 1 Year | 28.5%27.4% | -11.3%-13.8% | 2.2%-0.04% |
| 3 Year | n/a | 42.5%32.7% | 41.5%32.3% |
| 5 Year | n/a | 54.2%37.6% | 55.0%37.8% |
Price Volatility Vs. Market
How volatile is Victory Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Victory Bancorp undervalued based on future cash flows and its price relative to the stock market?
28%
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
Victory Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).
Victory Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
Victory Bancorp is good value based on earnings compared to the US Banks industry average.
Victory Bancorp 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 Victory Bancorp, we can't assess if its growth is good value.
Price Based on Value of Assets
Victory Bancorp is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Victory Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
4.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Victory Bancorp is high growth as no revenue estimate data is available.
Victory Bancorp's earnings are expected to grow by 4.9% yearly, however this is not considered high growth (20% yearly).
Unable to compare Victory Bancorp's revenue growth to the United States of America market average as no estimate data is available.
Victory Bancorp's earnings growth is positive but not above the United States of America market average.
Victory Bancorp'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 Victory Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Victory Bancorp performed over the past 5 years?
29.4%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Victory Bancorp has delivered over 20% year on year earnings growth in the past 5 years.
Victory Bancorp's 1-year earnings growth exceeds its 5-year average (29.7% vs 29.4%)
Victory Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (29.7% vs 33.2%).
Return on Equity
Victory Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Victory Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Victory Bancorp 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 Victory Bancorp'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
Victory Bancorp has an acceptable proportion of non-loan assets held.
Victory Bancorp has a sufficient allowance for bad loans.
Victory Bancorp's liabilities are made up of primarily low risk sources of funding.
Victory Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at Victory Bancorp are broadly funded by customer deposits.
Victory Bancorp has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is Victory Bancorp's current dividend yield, its reliability and sustainability?
0.98%
Current Dividend Yield
Dividend Yield and Payments Analysis
Victory Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
Victory Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).
Whilst dividend payments have been stable, Victory Bancorp has been paying a dividend for less than 10 years.
Dividend payments have increased, but Victory Bancorp only paid a dividend in the past 2 years.
Current Payout to Shareholders
Dividends paid are thoroughly covered by earnings (12.4x 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 Victory Bancorp's salary, the management and board of directors tenure and is there insider trading?
10.6yrs
Average board tenure
CEO
Victory Bancorp has no CEO, or we have no data on them.
Board Age and Tenure
10.6yrs
Average Tenure
64yo
Average Age
The average tenure for the Victory Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Insider Trading
No 3 month open market individual insider trading information.
Ownership Breakdown
Management Team
Robert Schultz (54yo)
CFO, COO & Compliance Officer
- Tenure: 10.6yrs
- Compensation: US$198.80k
Eric Offner
Chief Credit Officer
- Tenure: 0.0yrs
Rich Graver (57yo)
President
- Tenure: 10.6yrs
- Compensation: US$196.98k
Kelly Taylor
Executive Assistant & Head of IR
- Tenure: 0.0yrs
Board Members
Joe Major (64yo)
Chairman of the Board
- Tenure: 0.0yrs
- Compensation: US$273.10k
Joanne Judge (66yo)
Director
- Tenure: 2.5yrs
Bo Bates (58yo)
Director
- Tenure: 10.6yrs
- Compensation: US$10.80k
Mike Eddinger (57yo)
Director
- Tenure: 10.6yrs
- Compensation: US$10.50k
Dennis Urffer (72yo)
Director
- Tenure: 10.6yrs
- Compensation: US$11.70k
Alan Apt (67yo)
Director
- Tenure: 10.6yrs
- Compensation: US$12.30k
Kevin Johnson (60yo)
Director
- Tenure: 10.6yrs
- Compensation: US$11.70k
Bob Brant (64yo)
Director
- Tenure: 10.6yrs
- Compensation: US$12.90k
Steven Gilmore (61yo)
Director
- Tenure: 3.8yrs
- Compensation: US$3.90k
Mary Touey
Director
- Tenure: 2.3yrs
Company Information
The Victory Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: The Victory Bancorp, Inc.
- Ticker: VTYB
- Exchange: OTCPK
- Founded: 2008
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$19.871m
- Shares outstanding: 1.95m
- Website: https://www.victorybank.com
Number of Employees
Location
- The Victory Bancorp, Inc.
- 548 North Lewis Road
- Limerick
- Pennsylvania
- 19468
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| VTYB | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Oct 2017 |
Biography
The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking services for small and middle market commercial and retail customers in Mon ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/23 00:41 |
| End of Day Share Price | 2019/08/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.