VTYB Stock Overview
The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking products and services for small and middle market commercial and retail customers in Montgomery County, Pennsylvania.
Victory Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$14.25|
|52 Week High||US$15.00|
|52 Week Low||US$12.78|
|1 Month Change||-5.00%|
|3 Month Change||n/a|
|1 Year Change||11.59%|
|3 Year Change||41.79%|
|5 Year Change||n/a|
|Change since IPO||81.53%|
Recent News & Updates
|VTYB||US Banks||US Market|
Return vs Industry: VTYB exceeded the US Banks industry which returned -26.1% over the past year.
Return vs Market: VTYB exceeded the US Market which returned -23.2% over the past year.
|VTYB Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.8%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: Insufficient data to determine VTYB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine VTYB's volatility change over the past year.
About the Company
The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking products and services for small and middle market commercial and retail customers in Montgomery County, Pennsylvania. The company offers checking accounts, savings and money market accounts, escrow management account, demand deposits, investment certificates, and certificates of deposit; secured and unsecured personal term loans, and line of credit; home mortgages; home equity lines of credit; revolving credit, and small business, and automobile loans. It also provides commercial term loans, commercial lines of credit, commercial mortgage/real estate loans, and construction loans; government banking, remote deposit, mobile banking, online banking and bill pay, cash management, and merchant services; and certificate of deposit account registry, insured cash sweep, and lock box services, as well as credit cards.
Victory Bancorp Fundamentals Summary
|VTYB fundamental statistics|
Is VTYB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|VTYB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||2.12|
|Net Profit Margin||26.43%|
How did VTYB perform over the long term?See historical performance and comparison
1.8%Current Dividend Yield
Is VTYB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for VTYB?
Other financial metrics that can be useful for relative valuation.
|What is VTYB's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does VTYB's PE Ratio compare to its peers?
|VTYB PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MCHT Mauch Chunk Trust Financial
MBBC Marathon Bancorp
CBFC CNB Financial Services
VTYB Victory Bancorp
Price-To-Earnings vs Peers: VTYB is good value based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (10.1x).
Price to Earnings Ratio vs Industry
How does VTYB's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: VTYB is good value based on its Price-To-Earnings Ratio (6.7x) compared to the US Banks industry average (9.4x)
Price to Earnings Ratio vs Fair Ratio
What is VTYB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||6.7x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate VTYB's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of VTYB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: VTYB ($14.25) is trading below our estimate of fair value ($25.64)
Significantly Below Fair Value: VTYB is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Victory Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Victory Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Victory Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Victory Bancorp's filings and announcements here.
How has Victory Bancorp performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: VTYB has high quality earnings.
Growing Profit Margin: VTYB's current net profit margins (26.4%) are higher than last year (23.9%).
Past Earnings Growth Analysis
Earnings Trend: VTYB's earnings have grown significantly by 24.9% per year over the past 5 years.
Accelerating Growth: VTYB's earnings growth over the past year (28.2%) exceeds its 5-year average (24.9% per year).
Earnings vs Industry: VTYB earnings growth over the past year (28.2%) exceeded the Banks industry 8.5%.
Return on Equity
High ROE: VTYB's Return on Equity (16.2%) is considered low.
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How is Victory Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: VTYB's Assets to Equity ratio (17.7x) is moderate.
Allowance for Bad Loans: VTYB has a sufficient allowance for bad loans (1270%).
Low Risk Liabilities: 96% of VTYB's liabilities are made up of primarily low risk sources of funding.
Loan Level: VTYB has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: VTYB's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: VTYB has an appropriate level of bad loans (0.1%).
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What is Victory Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Victory Bancorp Dividend Yield vs Market|
|Company (Victory Bancorp)||1.8%|
|Market Bottom 25% (US)||1.6%|
|Market Top 25% (US)||4.6%|
|Industry Average (Banks)||3.4%|
|Analyst forecast in 3 Years (Victory Bancorp)||n/a|
Notable Dividend: VTYB's dividend (1.82%) is higher than the bottom 25% of dividend payers in the US market (1.67%).
High Dividend: VTYB's dividend (1.82%) is low compared to the top 25% of dividend payers in the US market (4.75%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, VTYB has been paying a dividend for less than 10 years.
Growing Dividend: VTYB's dividend payments have increased, but the company has only paid a dividend for 5 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (10.1%), VTYB's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Joe Major (67 yo)
Mr. Joseph W. Major, also known as Joe, serves as Chairman, Bank Leader, Chief Executive Officer and President of Victory Bank. Mr. Major is the principle organizer of The Victory Bank. Mr. Major serves as...
CEO Compensation Analysis
|Joe Major's Compensation vs Victory Bancorp Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||n/a||n/a|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||n/a||n/a|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||n/a||n/a|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||n/a||n/a|
|Dec 31 2017||n/a||n/a|
|Dec 31 2016||n/a||n/a|
|Dec 31 2015||US$273k||US$209k|
Compensation vs Market: Insufficient data to establish whether Joe's total compensation is reasonable compared to companies of similar size in the US market.
Compensation vs Earnings: Insufficient data to compare Joe's compensation with company performance.
Experienced Board: VTYB's board of directors are seasoned and experienced ( 13.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
The Victory Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: The Victory Bancorp, Inc.
- Ticker: VTYB
- Exchange: OTCPK
- Founded: 2008
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$28.092m
- Shares outstanding: 1.97m
- Website: https://www.victorybank.com
Number of Employees
- The Victory Bancorp, Inc.
- 548 North Lewis Road
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|VTYB||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 2017|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/03 00:00|
|End of Day Share Price||2022/09/30 00:00|
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.