$VWFB
VWF Bancorp, Inc.

2024 Q4 Form 10-Q Financial Statement

#000155837024015811 Filed on November 15, 2024

View on sec.gov

Income Statement

Concept 2024 Q4 2024 Q3 2023 Q3
Revenue $4.142M $2.081M
YoY Change 99.08% 103.76%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $996.3K
YoY Change 1299.06%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income -$808.0K -$562.5K
YoY Change 43.62% -410.37%
Income Tax -$175.2K -$123.7K
% Of Pretax Income
Net Earnings -$632.7K -$438.9K
YoY Change 44.17% -383.54%
Net Earnings / Revenue -15.27% -21.09%
Basic Earnings Per Share -$0.36 -$0.25
Diluted Earnings Per Share -$0.36 -$0.25
COMMON SHARES
Basic Shares Outstanding 1.915M 1.915M 1.777M
Diluted Shares Outstanding 1.756M 1.777M

Balance Sheet

Concept 2024 Q4 2024 Q3 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $4.072M $11.03M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $2.910M $1.509M
YoY Change 92.8% 11.26%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $318.7M $214.8M
YoY Change 48.34% 47.3%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities
YoY Change
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities
Total Liabilities $281.9M $177.3M
YoY Change 59.01% 65.93%
SHAREHOLDERS EQUITY
Retained Earnings $22.21M $24.42M
YoY Change -9.06% -4.65%
Common Stock $19.23K $19.23K
YoY Change 0.0% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $36.76M $37.52M
YoY Change
Total Liabilities & Shareholders Equity $318.7M $214.8M
YoY Change 48.34% 47.3%

Cashflow Statement

Concept 2024 Q4 2024 Q3 2023 Q3
OPERATING ACTIVITIES
Net Income -$632.7K -$438.9K
YoY Change 44.17% -383.54%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities -$423.9K -$242.7K
YoY Change 74.68% -121.5%
INVESTING ACTIVITIES
Capital Expenditures $710.5K $116.7K
YoY Change 508.94%
Acquisitions
YoY Change
Other Investing Activities
YoY Change
Cash From Investing Activities -$33.97M -$43.41M
YoY Change -21.73% 151.86%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 6.839M 49.16M
YoY Change -86.09% -1655.38%
NET CHANGE
Cash From Operating Activities -423.9K -242.7K
Cash From Investing Activities -33.97M -43.41M
Cash From Financing Activities 6.839M 49.16M
Net Change In Cash -27.56M 5.511M
YoY Change -600.06% -128.6%
FREE CASH FLOW
Cash From Operating Activities -$423.9K -$242.7K
Capital Expenditures $710.5K $116.7K
Free Cash Flow -$1.134M -$359.3K
YoY Change 215.69% -131.84%

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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:bold;margin:0pt 0pt 12pt 18pt;">Significant Accounting Policies and Use of Estimates</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 18pt;"><span style="white-space:pre-wrap;">Significant accounting policies are defined as those that are reflective of significant judgments and uncertainties and could reflect materially different results under different assumptions and conditions. Methodologies the Company uses when applying critical accounting policies and developing critical estimates are included in its Annual Report on Form 10-K for the year ended June 30, 2024. Our accounting policies for credit losses, investment securities, and income taxes comprise those that management believes involve the most critical estimates and aid in fully understanding and evaluating our reported financial results. There were no material changes from the significant accounting policies or critical accounting estimates previously disclosed in the Company’s Annual Report on Form 10-K for the year ended June 30, 2024.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 18pt;"><span style="margin-left:0pt;visibility:hidden;">​</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 18pt;">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 18pt;"><span style="margin-bottom:12pt;margin-left:0pt;visibility:hidden;">​</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 18pt;">Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, valuation of deferred tax assets and fair values of financial instruments.</p>
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