VWF Bancorp Inc.
VWF Bancorp, Inc. operates as the holding company for GreenWay Bank, which provides loans and accepts deposits in the United States. Its deposit products include interest-bearing deposits, 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 … Read more
VWF Bancorp Inc. (VWFB) - Net Assets
Latest net assets as of September 2025: $35.28 Million USD
Based on the latest financial reports, VWF Bancorp Inc. (VWFB) has net assets worth $35.28 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($399.39 Million) and total liabilities ($364.11 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $35.28 Million |
| % of Total Assets | 8.83% |
| Annual Growth Rate | 12.9% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 33.62 |
VWF Bancorp Inc. - Net Assets Trend (2021–2024)
This chart illustrates how VWF Bancorp Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for VWF Bancorp Inc. (2021–2024)
The table below shows the annual net assets of VWF Bancorp Inc. from 2021 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-06-30 | $36.55 Million | -5.07% |
| 2023-06-30 | $38.50 Million | +64.75% |
| 2022-06-30 | $23.37 Million | -7.99% |
| 2021-06-30 | $25.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to VWF Bancorp Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 10.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $22.84 Million | 62.50% |
| Other Components | $13.70 Million | 37.50% |
| Total Equity | $36.55 Million | 100.00% |
VWF Bancorp Inc. Competitors by Market Cap
The table below lists competitors of VWF Bancorp Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Chernan Metal Industrial
TWO:3631
|
$15.56 Million |
|
Shimmick Corporation Common Stock
NASDAQ:SHIM
|
$15.56 Million |
|
REDCO PRP GROUP LTD -05
F:8KI
|
$15.57 Million |
|
Kalaris Therapeutics, Inc.
NASDAQ:KLRS
|
$15.57 Million |
|
88 Energy Limited
F:POQ
|
$15.55 Million |
|
SABUY TECHNOLOGY
BK:SABUY-R
|
$15.55 Million |
|
Unigold Inc
PINK:UGDIF
|
$15.55 Million |
|
Mobiquity Technologies Inc
OTCQB:MOBQ
|
$15.55 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in VWF Bancorp Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 38,498,000 to 36,547,832, a change of -1,950,168 (-5.1%).
- Net loss of 2,019,533 reduced equity.
- Share repurchases of 598,000 reduced equity.
- Other factors increased equity by 667,365.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-2.02 Million | -5.53% |
| Share Repurchases | $598.00K | -1.64% |
| Other Changes | $667.37K | +1.83% |
| Total Change | $- | -5.07% |
Book Value vs Market Value Analysis
This analysis compares VWF Bancorp Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.65x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.94x to 0.65x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-06-30 | $13.21 | $12.46 | x |
| 2022-06-30 | $12.15 | $12.46 | x |
| 2023-06-30 | $20.02 | $12.46 | x |
| 2024-06-30 | $19.09 | $12.46 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently VWF Bancorp Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -5.53%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -36.56%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 8.52x
- Recent ROE (-5.53%) is below the historical average (-1.49%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 1.01% | 8.98% | 0.02x | 5.01x | $-2.28 Million |
| 2022 | -0.04% | -0.33% | 0.02x | 6.40x | $-2.35 Million |
| 2023 | -1.42% | -12.17% | 0.03x | 4.31x | $-4.40 Million |
| 2024 | -5.53% | -36.56% | 0.02x | 8.52x | $-5.67 Million |
Industry Comparison
This section compares VWF Bancorp Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| VWF Bancorp Inc. (VWFB) | $35.28 Million | 1.01% | 10.32x | $15.56 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |