Vwf Bancorp, Inc.

Safety Score

Market Cap $26.27M
PE -12
Debt $32.70M
Cash $4.07M
EV $54.90M
FCF -$3.74M

Earnings

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Sales & Net Margins

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Earnings	-$2.21M
EBIT	-$2.81M
ROE	-6%
ROA	-1%
FCF	-$3.74M
Equity	$36.76M
Growth Stability	1
PE	-11.87
PB	0.71
P/FCF	-7.02
Price/Cash	0.15
Debt/Equity	0.89
Debt/FCF	-8.73
Equity CAGR	16%
Earnings Growth YoY	44%

Earnings Growth QoQ	-5%
Equity CAGR 5Y	16%
Equity CAGR 3Y	16%
Market Cap	$26.27M
Assets	$318.67M
Total Debt	$32.70M
Cash	$4.07M
Shares Outstanding	1.75M
EV	54.9M
Safety Score	67%
Shares Growth 3y	6%
Equity Growth QoQ	1%
Equity Growth YoY	-2%

Assets & ROA

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Stockholders Equity & ROE

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VWF Bancorp Inc operates as a savings and loan holding company for Van Wert Federal Savings Bank.

SEC Filings

Direct access to Vwf Bancorp, Inc. (VWFB) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-K Jun 30
- 10-Q Mar 31
2023
- 10-Q Dec 31
- 10-Q Sep 30
- 10-K Jun 30
- 10-Q Mar 31
2022
- 10-Q Dec 31
- 10-Q Sep 30
- 10-K Jun 30
- 10-Q Mar 31

Sector Comparison

How does Vwf Bancorp, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Vwf Bancorp, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Vwf Bancorp, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Vwf Bancorp, Inc..

Years

Calculation mode

= -$37M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$3.7M	-$37M
DCF		-$3.4M	-$3.1M	-$2.8M	-$2.6M	-$2.3M	-$2.1M	-$1.9M	-$1.7M	-$1.6M	-$1.4M	-$14M
Value	-$37M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	06/2021	06/2022	06/2023	06/2024	TTM
Net Margins	-	-	-	-	-
ROA	-	-0%	-0%	-1%	-1%
ROE	-	-0%	-1%	-6%	-6%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	06/2021	06/2022	06/2023	06/2024	TTM
Debt over FCF	-	-	29.09	-20.88	-8.73
Debt over Equity	-	-	0.16	1.7	0.89
Growth Stability	-	-	-	-	1

Good Debt/FCF ratio (-8.73)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.89)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	06/2021	06/2022	06/2023	06/2024	CAGR 5Y
Revenue YoY growth	-	-	-	-	-
Earnings YoY growth	-	-104%	6K%	270%	-
Equity YoY growth	-	-8%	65%	-5%	16%
FCF YoY growth	-	-322%	-139%	-1K%	-