Wvs Financial Corp

    • Earnings Score
    • Market Cap $22.45M
    • PE 19
    • Debt $NaN
    • Cash $3.32M
    • EV $NaN
    • FCF $2.74M

    Earnings

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    Sales & Net Margins

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    Earnings$1.19M
    EBIT$1.77M
    ROE3%
    ROA0%
    FCF$2.74M
    Equity$37.66M
    Growth Stability52%
    PE18.8
    PEG-1.9
    PB0.6
    P/FCF8.2
    Price/Cash0.15
    Earnings CAGR1%
    FCF CAGR-7%
    Equity CAGR3%
    Earnings Stability-0.32
    Earnings Growth YoY27%
    Earnings Growth QoQ2%
    Earnings CAGR 5Y-10%
    FCF CAGR 5Y-14%
    Equity CAGR 5Y3%
    FCF CAGR 3Y-19%
    Equity CAGR 3Y3%
    Market Cap$22.45M
    Dividend Yield3%
    Payout Ratio58%
    Assets$368.80M
    Cash$3.32M
    Shares Outstanding1.74M
    Earnings Score6%
    Shares Growth 3y-1%
    Equity Growth QoQ-1%
    Equity Growth YoY-2%

    Assets & ROA

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    Stockholders Equity & ROE

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    WVS Financial Corp provides various banking products and services to residents and businesses. The principal categories of loans in the portfolio are single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, and commercial loans. The company offers various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates.

    SEC Filings

    Direct access to Wvs Financial Corp (WVFC) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

    • 2022
      • 10-Q Mar 31
    • 2021
      • 10-Q Dec 31
      • 10-Q Sep 30
      • 10-K Jun 30
      • 10-Q Mar 31
    • 2020
      • 10-Q Dec 31
      • 10-Q Sep 30
      • 10-K Jun 30
      • 10-Q Mar 31

    Sector Comparison

    How does Wvs Financial Corp compare to its competitors?

    Not enough data to generate a comparison chart between Wvs Financial Corp and its competitors. Please check back later.

    Peter Lynch's Chart

    This chart shows the current pricing of Wvs Financial Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

    CAGR 1%
    Stability -32%
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    Wvs Financial Corp Discounted Cash Flow

    Fully customizable DCF calculator online for Wvs Financial Corp.

    = $17M
    012345678910TV
    fcf$2.7M$2.5M$2.4M$2.2M$2.1M$1.9M$1.8M$1.7M$1.5M$1.4M$1.3M$13M
    DCF$2.3M$2M$1.7M$1.4M$1.2M$1M$852K$721K$610K$517K$5.2M
    Value$17M

    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.

    Years06/201506/201606/201706/201806/201906/202006/2021TTM
    Net Margins--------
    ROA-1%1%2%2%2%1%0%
    ROE-4%5%6%8%7%3%3%

    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.

    Years06/201506/201606/201706/201806/201906/202006/2021TTM
    Debt over FCF--------
    Debt over Equity--------
    Growth Stability---100%100%100%52%52%

    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.

    Years06/201506/201606/201706/201806/201906/202006/2021CAGR 5Y
    Revenue YoY growth--------
    Earnings YoY growth--2%24%30%32%-11%-48%-10%
    Equity YoY growth-3%-0%3%6%2%4%3%
    FCF YoY growth-113%-12%58%-17%-18%-53%-14%