How does VWFB's PB Ratio compare to its peers?

VWFB is good value based on its Price-To-Book Ratio (0.8x) compared to the peer average (0.9x).

How does VWFB's PB Ratio compare vs other companies in the US Banks Industry?

VWFB is good value based on its Price-To-Book Ratio (0.8x) compared to the US Banks industry average (1x).

What is VWFB's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate VWFB's Price-To-Book Fair Ratio for valuation analysis.

What is the Fair Price of VWFB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Insufficient data to calculate VWFB's fair value for valuation analysis.

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

VWFB Stock Overview

Operates as the holding company for Van Wert Federal Savings Bank that primarily engages in originating loans and accepting deposits in the United States. More details

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

Risk Analysis

Earnings have declined by 96.2% per year over past 5 years

Does not have a meaningful market cap ($28M)

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

VWF Bancorp, Inc. Competitors

Infinity Bancorp

OTCPK:INFT

US$29.8m

RBAZ Bancorp

OTCPK:RBAZ

US$36.0m

HCB Financial

OTCPK:HCBN

US$31.6m

First Pacific Bancorp

OTCPK:FPBC

US$21.5m

Price History & Performance

Summary of share price highs, lows and changes for VWF Bancorp
Historical stock prices
Current Share Price	US$14.74
52 Week High	US$16.99
52 Week Low	US$13.70
Beta	-0.068
1 Month Change	-1.60%
3 Month Change	-2.38%
1 Year Change	-4.90%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	14.26%

Recent updates

Shareholder Returns

	VWFB	US Banks	US Market
7D	-1.7%	-1.8%	-2.1%
1Y	-4.9%	30.4%	21.3%

Return vs Industry: VWFB underperformed the US Banks industry which returned 30.3% over the past year.

Return vs Market: VWFB underperformed the US Market which returned 21.3% over the past year.

Price Volatility

Is VWFB's price volatile compared to industry and market?
VWFB volatility
VWFB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: Data is not available.

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

About the Company

Founded	Employees	CEO	Website
1889	43	Mike Cahill	www.vanwertfederal.com

VWF Bancorp, Inc. operates as the holding company for Van Wert Federal Savings Bank that primarily engages in originating loans and accepting deposits in the United States. The company’s deposit products include non-interest bearing and interest-bearing demand accounts, savings accounts, money market deposits, checking accounts, individual retirement accounts, and certificates of deposit. Its loan portfolio consists primarily of commercial real estate loans, agricultural real estate loans, construction and land loans, commercial and industrial loans, home equity lines of credit, and consumer loans, as well as one- to four-family residential mortgage loans.

VWF Bancorp, Inc. Fundamentals Summary

How do VWF Bancorp's earnings and revenue compare to its market cap?
VWFB fundamental statistics
Market cap	US$28.23m
Earnings (TTM)	-US$2.21m
Revenue (TTM)	US$5.49m

0.8x

P/B Ratio

5.1x

P/S Ratio

Is VWFB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VWFB income statement (TTM)
Revenue	US$5.49m
Cost of Revenue	US$0
Gross Profit	US$5.49m
Other Expenses	US$7.71m
Earnings	-US$2.21m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-1.16
Gross Margin	100.00%
Net Profit Margin	-40.30%
Debt/Equity Ratio	89.0%

How did VWFB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/12 15:16
End of Day Share Price	2025/01/10 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

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

VWF Bancorp, Inc. 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