WVS Financial Corp
WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services in the United States. It accepts various deposits, including savings, checking, money market, and individual retirement accounts, as well as certificates of deposit. The company also offers small business and personal loans, home equity lines of credit, and mortg… Read more
WVS Financial Corp (WVFC) - Net Assets
Latest net assets as of June 2025: $38.62 Million USD
Based on the latest financial reports, WVS Financial Corp (WVFC) has net assets worth $38.62 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($355.49 Million) and total liabilities ($316.87 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 | $38.62 Million |
| % of Total Assets | 10.86% |
| Annual Growth Rate | 0.57% |
| 5-Year Change | 0.6% |
| 10-Year Change | 16.73% |
| Growth Volatility | 4.77 |
WVS Financial Corp - Net Assets Trend (1994–2025)
This chart illustrates how WVS Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for WVS Financial Corp (1994–2025)
The table below shows the annual net assets of WVS Financial Corp from 1994 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $38.62 Million | +2.30% |
| 2024-06-30 | $37.75 Million | +1.55% |
| 2023-06-30 | $37.18 Million | +1.14% |
| 2022-06-30 | $36.76 Million | -4.25% |
| 2021-06-30 | $38.39 Million | +4.00% |
| 2020-06-30 | $36.91 Million | +2.39% |
| 2019-06-30 | $36.05 Million | +5.98% |
| 2018-06-30 | $34.02 Million | +2.95% |
| 2017-06-30 | $33.04 Million | -0.13% |
| 2016-06-30 | $33.09 Million | +3.25% |
| 2015-06-30 | $32.04 Million | +0.80% |
| 2014-06-30 | $31.79 Million | -0.13% |
| 2013-06-30 | $31.83 Million | +4.65% |
| 2012-06-30 | $30.41 Million | +5.32% |
| 2011-06-30 | $28.88 Million | +3.90% |
| 2010-06-30 | $27.80 Million | -10.69% |
| 2009-06-30 | $31.12 Million | -3.19% |
| 2008-06-30 | $32.15 Million | +2.73% |
| 2007-06-30 | $31.29 Million | +6.37% |
| 2006-06-30 | $29.42 Million | +0.74% |
| 2005-06-30 | $29.20 Million | +0.01% |
| 2004-06-30 | $29.20 Million | -4.63% |
| 2003-06-30 | $30.62 Million | +1.21% |
| 2002-06-30 | $30.25 Million | +5.61% |
| 2001-06-30 | $28.64 Million | +6.44% |
| 2000-06-30 | $26.91 Million | -3.54% |
| 1999-06-30 | $27.90 Million | -15.45% |
| 1998-06-30 | $33.00 Million | +0.30% |
| 1997-06-30 | $32.90 Million | -3.24% |
| 1996-06-30 | $34.00 Million | +0.59% |
| 1995-06-30 | $33.80 Million | +4.32% |
| 1994-06-30 | $32.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to WVS Financial Corp'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 grown by 188.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $50.39 Million | 130.48% |
| Total Equity | $38.62 Million | 100.00% |
WVS Financial Corp Competitors by Market Cap
The table below lists competitors of WVS Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wintergreen Acquisition Corp. Ordinary Shares
NASDAQ:WTG
|
$16.63 Million |
|
FORCS Co.Ltd
KQ:189690
|
$16.63 Million |
|
Pharmx Technologies Ltd
AU:PHX
|
$16.63 Million |
|
Garanti Yatirim Ortakligi AS
IS:GRNYO
|
$16.63 Million |
|
Baikowski SASU
PA:ALBKK
|
$16.62 Million |
|
Immunovia AB (publ)
PINK:IMMVF
|
$16.62 Million |
|
Autech Corporation
KQ:067170
|
$16.62 Million |
|
Airsculpt Technologies Inc
NASDAQ:AIRS
|
$16.62 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in WVS Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 37,754,000 to 38,621,000, a change of 867,000 (2.3%).
- Net income of 1,645,000 contributed positively to equity growth.
- Dividend payments of 688,000 reduced retained earnings.
- Share repurchases of 339,000 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.65 Million | +4.26% |
| Dividends Paid | $688.00K | -1.78% |
| Share Repurchases | $339.00K | -0.88% |
| Other Changes | $249.00K | +0.64% |
| Total Change | $- | 2.30% |
Book Value vs Market Value Analysis
This analysis compares WVS Financial Corp'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: 0.53x
- 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 1.28x to 0.53x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-06-30 | $9.72 | $12.40 | x |
| 1995-06-30 | $9.76 | $12.40 | x |
| 1996-06-30 | $9.82 | $12.40 | x |
| 1997-06-30 | $9.32 | $12.40 | x |
| 1998-06-30 | $9.23 | $12.40 | x |
| 1999-06-30 | $8.12 | $12.40 | x |
| 2000-06-30 | $9.04 | $12.40 | x |
| 2001-06-30 | $10.17 | $12.40 | x |
| 2002-06-30 | $11.07 | $12.40 | x |
| 2003-06-30 | $11.67 | $12.40 | x |
| 2004-06-30 | $11.48 | $12.40 | x |
| 2005-06-30 | $11.98 | $12.40 | x |
| 2006-06-30 | $12.47 | $12.40 | x |
| 2007-06-30 | $13.48 | $12.40 | x |
| 2008-06-30 | $14.27 | $12.40 | x |
| 2009-06-30 | $14.59 | $12.40 | x |
| 2010-06-30 | $13.45 | $12.40 | x |
| 2011-06-30 | $14.03 | $12.40 | x |
| 2012-06-30 | $14.78 | $12.40 | x |
| 2013-06-30 | $15.47 | $12.40 | x |
| 2014-06-30 | $15.45 | $12.40 | x |
| 2015-06-30 | $15.63 | $12.40 | x |
| 2016-06-30 | $17.32 | $12.40 | x |
| 2017-06-30 | $17.63 | $12.40 | x |
| 2018-06-30 | $18.62 | $12.40 | x |
| 2019-06-30 | $20.25 | $12.40 | x |
| 2020-06-30 | $20.88 | $12.40 | x |
| 2021-06-30 | $21.95 | $12.40 | x |
| 2022-06-30 | $21.02 | $12.40 | x |
| 2023-06-30 | $25.21 | $12.40 | x |
| 2024-06-30 | $26.24 | $12.40 | x |
| 2025-06-30 | $23.22 | $12.40 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently WVS Financial Corp 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): 4.26%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.19%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 9.20x
- Recent ROE (4.26%) is below the historical average (7.66%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 6.79% | 29.73% | 0.03x | 6.84x | $-1.04 Million |
| 1995 | 5.33% | 21.18% | 0.04x | 6.73x | $-1.58 Million |
| 1996 | 10.59% | 36.36% | 0.04x | 7.64x | $200.00K |
| 1997 | 9.12% | 28.30% | 0.04x | 8.96x | $-290.00K |
| 1998 | 10.61% | 32.11% | 0.04x | 9.00x | $200.00K |
| 1999 | 14.34% | 37.04% | 0.03x | 12.49x | $1.21 Million |
| 2000 | 16.27% | 37.67% | 0.03x | 15.22x | $1.69 Million |
| 2001 | 16.62% | 42.17% | 0.03x | 13.84x | $1.90 Million |
| 2002 | 14.70% | 42.68% | 0.03x | 13.38x | $1.42 Million |
| 2003 | 10.93% | 41.10% | 0.02x | 11.99x | $286.20K |
| 2004 | 7.88% | 40.15% | 0.01x | 14.85x | $-617.90K |
| 2005 | 9.96% | 41.43% | 0.02x | 14.42x | $-11.10K |
| 2006 | 9.67% | 37.98% | 0.02x | 14.34x | $-95.80K |
| 2007 | 11.65% | 40.73% | 0.02x | 13.04x | $516.70K |
| 2008 | 11.73% | 41.29% | 0.02x | 13.16x | $557.20K |
| 2009 | 9.25% | 34.60% | 0.02x | 13.48x | $-234.30K |
| 2010 | 1.34% | 8.88% | 0.01x | 12.76x | $-2.41 Million |
| 2011 | 4.25% | 22.21% | 0.02x | 7.93x | $-1.66 Million |
| 2012 | 4.61% | 23.41% | 0.02x | 8.99x | $-1.64 Million |
| 2013 | 3.39% | 20.67% | 0.02x | 9.04x | $-2.10 Million |
| 2014 | 2.89% | 18.42% | 0.02x | 9.75x | $-2.26 Million |
| 2015 | 4.20% | 23.30% | 0.02x | 10.29x | $-1.86 Million |
| 2016 | 4.00% | 22.26% | 0.02x | 10.15x | $-1.98 Million |
| 2017 | 4.95% | 26.06% | 0.02x | 10.64x | $-1.67 Million |
| 2018 | 6.25% | 30.75% | 0.02x | 10.36x | $-1.28 Million |
| 2019 | 7.75% | 36.79% | 0.02x | 9.87x | $-810.00K |
| 2020 | 6.75% | 35.61% | 0.02x | 9.67x | $-1.20 Million |
| 2021 | 3.38% | 24.28% | 0.02x | 9.02x | $-2.54 Million |
| 2022 | 3.38% | 23.93% | 0.01x | 9.87x | $-2.43 Million |
| 2023 | 4.59% | 29.41% | 0.02x | 9.76x | $-2.01 Million |
| 2024 | 3.65% | 24.62% | 0.02x | 9.54x | $-2.40 Million |
| 2025 | 4.26% | 27.19% | 0.02x | 9.20x | $-2.22 Million |
Industry Comparison
This section compares WVS Financial Corp'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 |
|---|---|---|---|---|
| WVS Financial Corp (WVFC) | $38.62 Million | 6.79% | 8.20x | $16.63 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 |