Wvs Financial Corp - Understand $wvfc stock

$WVFC Market Cap: $24.04 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$4.047M

TTM

Gross Margin

Net Earnings

$1.194M

TTM

Current Assets

Current Liabilities

$114.0K

Q1 2022

Current Ratio

Total Assets

$368.8M

Q1 2022

Total Liabilities

$331.1M

Q1 2022

Book Value

$37.66M

Q1 2022

Cash

$3.323M

Q1 2022

P/E

20.13

Nov 29, 2024 EST

Free Cash Flow

$2.780M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue							$6.378M	$5.821M	$5.959M	$7.053M	$9.225M
YoY Change							9.57%	-2.32%	-15.51%	-23.54%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2015	2014	2013	2012	2011
Revenue	$6.378M	$5.821M	$5.959M	$7.053M	$9.225M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$70.00K	$40.00K	$50.00K	$80.00K	$100.0K	$100.0K	$91.00K	$100.0K	$90.00K	$84.00K	$100.0K	$100.0K	$100.0K	$120.0K	$140.0K	$150.0K	$190.0K	$190.0K	$160.0K	$120.0K	$110.0K	$120.0K	$120.0K	$130.0K	$130.0K	$130.0K	$150.0K	$160.0K	$180.0K	$160.0K
YoY Change	75.0%	-20.0%	-37.5%	-20.0%	0.0%	9.89%	-9.0%	11.11%	7.14%	-16.0%	0.0%	0.0%	-16.67%	-14.29%	-6.67%	-21.05%	0.0%	18.75%	33.33%	9.09%	-8.33%	0.0%	-7.69%	0.0%	0.0%	-13.33%	-6.25%	-11.11%	12.5%	-5.88%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2015	2014	2013	2012	2011
Interest Expense	$1.155M	$1.357M	$1.407M	$1.544M	$4.220M
YoY Change	-14.89%	-3.55%	-8.87%	-63.41%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$1.740M	$3.360M	$3.730M	$3.250M	$2.490M	$2.120M	$2.005M	$1.393M	$1.622M	$2.304M	$1.688M	$360.0K	$4.230M	$5.620M	$5.410M	$4.130M	$3.540M	$2.920M	$4.420M	$6.260M	$6.720M	$6.850M	$6.470M	$5.600M	$4.890M	$5.640M	$3.440M	$2.900M	$3.240M	$2.710M
YoY Change	-48.21%	-9.92%	14.77%	30.52%	17.45%	5.74%	43.93%	-14.12%	-29.6%	36.49%	368.89%	-91.49%	-24.73%	3.88%	30.99%	16.67%	21.23%	-33.94%	-29.39%	-6.85%	-1.9%	5.87%	15.54%	14.52%	-13.3%	63.95%	18.62%	-10.49%	19.56%	77.12%
Income Tax	$450.0K	$870.0K	$930.0K	$1.000M	$850.0K	$800.0K	$658.0K	$473.0K	$542.0K	$902.0K	$462.0K	-$10.00K	$1.350M	$1.850M	$1.760M	$1.290M	$630.0K	$620.0K	$1.070M	$1.810M	$1.960M	$2.470M	$2.430M	$2.110M	$1.930M	$2.070M	$1.650M	$910.0K	$1.370M	$1.090M
% Of Pretax Income	25.86%	25.89%	24.93%	30.77%	34.14%	37.74%	32.82%	33.96%	33.42%	39.15%	27.37%	-2.78%	31.91%	32.92%	32.53%	31.23%	17.8%	21.23%	24.21%	28.91%	29.17%	36.06%	37.56%	37.68%	39.47%	36.7%	47.97%	31.38%	42.28%	40.22%
Net Earnings	$1.300M	$2.490M	$2.800M	$2.130M	$1.640M	$1.330M	$1.347M	$920.0K	$1.080M	$1.402M	$1.226M	$370.0K	$2.880M	$3.770M	$3.650M	$2.850M	$2.910M	$2.300M	$3.350M	$4.450M	$4.760M	$4.380M	$4.030M	$3.490M	$2.960M	$3.580M	$1.790M	$2.240M	$1.880M	$1.620M
YoY Change	-47.79%	-11.07%	31.46%	29.88%	23.31%	-1.26%	46.41%	-14.81%	-22.97%	14.36%	231.35%	-87.15%	-23.61%	3.29%	28.07%	-2.06%	26.52%	-31.34%	-24.72%	-6.51%	8.68%	8.68%	15.47%	17.91%	-17.32%	100.0%	-20.09%	19.15%	16.05%	74.19%
Net Earnings / Revenue							21.12%	15.8%	18.12%	19.88%	13.29%
Basic Earnings Per Share							$0.69	$0.45	$0.52	$0.68	$0.60
Diluted Earnings Per Share	$742.9K	$1.407M	$1.573M	$1.164M	$877.0K	$696.3K	$0.69	$0.45	$0.52	$0.68	$0.60	$178.7K	$1.352M	$1.676M	$1.573M	$1.208M	$1.193M	$905.5K	$1.279M	$1.630M	$1.688M	$1.470M	$1.172M	$977.6K	$848.1K	$1.038M	$524.9K	$664.7K	$554.6K	$477.9K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$700.0K	$600.0K	$300.0K	$400.0K	$500.0K	$500.0K	$600.0K	$600.0K	$600.0K	$600.0K	$600.0K	$700.0K	$700.0K	$800.0K	$800.0K	$900.0K	$900.0K	$1.100M	$1.200M	$1.000M	$1.000M	$1.100M	$1.200M	$1.200M	$1.300M	$1.300M	$1.500M	$1.600M	$1.700M	$1.800M
YoY Change	16.67%	100.0%	-25.0%	-20.0%	0.0%	-16.67%	0.0%	0.0%	0.0%	0.0%	-14.29%	0.0%	-12.5%	0.0%	-11.11%	0.0%	-18.18%	-8.33%	20.0%	0.0%	-9.09%	-8.33%	0.0%	-7.69%	0.0%	-13.33%	-6.25%	-5.88%	-5.56%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$200.0K	$500.0K	$400.0K	$400.0K	$400.0K	$400.0K	$500.0K	$500.0K	$700.0K	$1.000M	$1.300M	$1.500M	$300.0K	$1.200M	$1.100M	$1.000M	$1.300M	$1.400M	$1.500M	$1.700M	$1.600M	$1.600M	$1.200M	$1.000M	$900.0K	$900.0K	$900.0K	$800.0K	$900.0K	$500.0K
YoY Change	-60.0%	25.0%	0.0%	0.0%	0.0%	-20.0%	0.0%	-28.57%	-30.0%	-23.08%	-13.33%	400.0%	-75.0%	9.09%	10.0%	-23.08%	-7.14%	-6.67%	-11.76%	6.25%	0.0%	33.33%	20.0%	11.11%	0.0%	0.0%	12.5%	-11.11%	80.0%
Total Long-Term Assets
YoY Change
Total Assets	$346.1M	$357.1M	$355.8M	$352.3M	$351.6M	$335.7M	$329.7M	$309.9M	$287.6M	$273.3M	$228.9M	$354.7M	$419.4M	$423.1M	$408.1M	$421.7M	$421.0M	$433.6M	$367.2M	$404.9M	$396.4M	$409.6M	$348.4M	$297.1M	$294.7M	$259.6M	$227.4M	$221.3M	$210.6M	$208.3M
YoY Change
Accounts Payable	$200.0K	$500.0K	$800.0K	$400.0K	$200.0K	$200.0K	$200.0K	$200.0K	$200.0K	$300.0K	$300.0K	$800.0K	$1.200M	$1.500M	$1.700M	$1.500M	$1.300M	$1.200M	$1.400M	$1.700M	$2.400M	$2.700M	$1.900M	$1.900M	$1.800M	$1.400M	$1.300M	$1.000M	$1.200M	$1.500M
YoY Change	-60.0%	-37.5%	100.0%	100.0%	0.0%	0.0%	0.0%	0.0%	-33.33%	0.0%	-62.5%	-33.33%	-20.0%	-11.76%	13.33%	15.38%	8.33%	-14.29%	-17.65%	-29.17%	-11.11%	42.11%	0.0%	5.56%	28.57%	7.69%	30.0%	-16.67%	-20.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$7.000M								$79.30M	$32.10M	$12.50M	$108.8M	$100.6M	$83.00M	$76.00M	$69.70M	$91.60M	$9.500M	$33.70M	$20.70M	$101.0M	$25.80M	$900.0K	$6.800M	$10.70M	$4.000M	$4.000M	$0.00	$0.00
YoY Change	-100.0%									147.04%	156.8%	-88.51%	8.15%	21.2%	9.21%	9.04%	-23.91%	864.21%	-71.81%	62.8%	-79.5%	291.47%	2766.67%	-86.76%	-36.45%	167.5%	0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$200.0K	$500.0K	$800.0K	$400.0K	$200.0K	$200.0K	$200.0K	$200.0K	$200.0K	$300.0K	$300.0K	$800.0K	$1.200M	$1.500M	$1.700M	$1.500M	$1.300M	$1.200M	$1.400M	$1.700M	$2.400M	$2.700M	$1.900M	$1.900M	$1.800M	$1.400M	$1.300M	$1.000M	$1.200M	$1.500M
YoY Change	-60.0%	-37.5%	100.0%	100.0%	0.0%	0.0%	0.0%	0.0%	-33.33%	0.0%	-62.5%	-33.33%	-20.0%	-11.76%	13.33%	15.38%	8.33%	-14.29%	-17.65%	-29.17%	-11.11%	42.11%	0.0%	5.56%	28.57%	7.69%	30.0%	-16.67%	-20.0%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$2.300M	$2.200M	$1.700M	$1.500M	$1.100M	$1.000M	$3.000M	$800.0K	$800.0K	$3.700M	$1.400M	$2.100M	$2.000M	$3.100M	$2.200M	$1.400M	$1.200M	$1.300M	$1.400M	$1.600M	$1.900M	$1.600M	$1.600M	$1.500M	$1.000M	$900.0K	$1.200M	$500.0K	$800.0K	$700.0K
YoY Change	4.55%	29.41%	13.33%	36.36%	10.0%	-66.67%	275.0%	0.0%	-78.38%	164.29%	-33.33%	5.0%	-35.48%	40.91%	57.14%	16.67%	-7.69%	-7.14%	-12.5%	-15.79%	18.75%	0.0%	6.67%	50.0%	11.11%	-25.0%	140.0%	-37.5%	14.29%
Total Long-Term Liabilities	$2.300M	$2.200M	$1.700M	$1.500M	$1.100M	$1.000M	$3.000M	$800.0K	$800.0K	$3.700M	$1.400M	$2.100M	$2.000M	$3.100M	$2.200M	$1.400M	$1.200M	$1.300M	$1.400M	$1.600M	$1.900M	$1.600M	$1.600M	$1.500M	$1.000M	$900.0K	$1.200M	$500.0K	$800.0K	$700.0K
YoY Change	4.55%	29.41%	13.33%	36.36%	10.0%	-66.67%	275.0%	0.0%	-78.38%	164.29%	-33.33%	5.0%	-35.48%	40.91%	57.14%	16.67%	-7.69%	-7.14%	-12.5%	-15.79%	18.75%	0.0%	6.67%	50.0%	11.11%	-25.0%	140.0%	-37.5%	14.29%
Total Liabilities	$307.7M	$320.2M	$319.8M	$318.3M	$318.6M	$302.6M	$297.7M	$278.2M	$255.7M	$242.9M	$200.0M	$326.9M	$388.3M	$391.0M	$376.8M	$392.3M	$391.8M	$404.4M	$336.6M	$374.7M	$367.8M	$382.7M	$320.5M	$264.1M	$261.8M	$225.6M	$193.6M	$188.9M	$195.3M	$194.9M
YoY Change	-3.9%	0.13%	0.47%	-0.09%	5.29%	1.65%	7.01%	8.8%	5.27%	21.45%	-38.82%	-15.81%	-0.69%	3.77%	-3.95%	0.13%	-3.12%	20.14%	-10.17%	1.88%	-3.89%	19.41%	21.36%	0.88%	16.05%	16.53%	2.49%	-3.28%	0.21%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2015	2014	2013	2012	2011
Basic Shares Outstanding	1.942M shares	2.058M shares	2.058M shares	2.058M shares	2.058M shares
Diluted Shares Outstanding	1.942M shares	2.058M shares	2.058M shares	2.058M shares	2.058M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $24.039 Million

About WVS FINANCIAL CORP

WVS Financial Corp. operates as a bank holding company, which engages in the provision of financial services. The company is headquartered in Pittsburgh, Pennsylvania and currently employs 23 full-time employees. West View Savings Bank is a Pennsylvania-chartered, Federal Deposit Insurance Corporation (FDIC)-insured stock savings bank. The Bank provides personal banking services, business banking services and loans. Its personal banking services include checking products; savings products; online services, which include online banking, billpay and check reorder; and personal services, which include card services, safe deposit boxes, notary services, wire transfer services and additional services. Its business banking services include business checking and organization checking. The Bank provides various types of loans, including commercial loans, small business loans, mortgage loans, home equity loans, personal loans and credit, and auto loans.

Industry: Savings Institutions, Not Federally Chartered Peers: Eagle Financial Bancorp, Inc. Generations Bancorp NY, Inc. Rocket Companies, Inc.