Greenville Federal Financial Corp
Greenville Federal Financial Corporation operates as the bank holding company for Greenville Federal that provides financial services in Ohio. It offers checking, saving, and term certificate accounts, as well as certificate of deposit; lending products, including construction real estate loans; residential real estate loans that consists of home equity lines of credit; commercial real estate loa… Read more
Greenville Federal Financial Corp (GVFF) - Net Assets
Latest net assets as of December 2025: $20.77 Million USD
Based on the latest financial reports, Greenville Federal Financial Corp (GVFF) has net assets worth $20.77 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($269.56 Million) and total liabilities ($248.79 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 | $20.77 Million |
| % of Total Assets | 7.71% |
| Annual Growth Rate | -0.4% |
| 5-Year Change | -8.77% |
| 10-Year Change | 1.39% |
| Growth Volatility | 128.42 |
Greenville Federal Financial Corp - Net Assets Trend (2004–2025)
This chart illustrates how Greenville Federal 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 Greenville Federal Financial Corp (2004–2025)
The table below shows the annual net assets of Greenville Federal Financial Corp from 2004 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $20.77 Million | +0.04% |
| 2024-12-31 | $20.76 Million | -7.44% |
| 2023-12-31 | $22.43 Million | -0.70% |
| 2022-12-31 | $22.59 Million | -0.79% |
| 2021-12-31 | $22.77 Million | +3.58% |
| 2020-12-31 | $21.98 Million | +0.72% |
| 2019-12-31 | $21.83 Million | +0.12% |
| 2018-12-31 | $21.80 Million | +3.45% |
| 2017-12-31 | $21.07 Million | +2.86% |
| 2016-12-31 | $20.49 Million | -84.34% |
| 2015-12-31 | $130.78 Million | +4.21% |
| 2014-12-31 | $125.51 Million | +548.58% |
| 2013-12-31 | $19.35 Million | +3.19% |
| 2012-12-31 | $18.75 Million | +0.75% |
| 2008-12-31 | $18.61 Million | 0.00% |
| 2007-12-31 | $18.61 Million | -14.83% |
| 2006-12-31 | $21.86 Million | -3.90% |
| 2005-12-31 | $22.74 Million | +0.72% |
| 2004-12-31 | $22.58 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Greenville Federal 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 decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $20.77 Million | 100.00% |
| Total Equity | $20.77 Million | 100.00% |
Greenville Federal Financial Corp Competitors by Market Cap
The table below lists competitors of Greenville Federal Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tungtex (Holdings) Company Limited
PINK:TUGHF
|
$5.96 Million |
|
Personal Assets Trust plc
LSE:PNL
|
$5.96 Million |
|
Leeuwin Metals Ltd
AU:LM1
|
$5.97 Million |
|
PUC Bhd
KLSE:0007
|
$5.97 Million |
|
Superhouse Limited
NSE:SUPERHOUSE
|
$5.96 Million |
|
Middlesex Water Company PFD 7%
PINK:MSEXP
|
$5.96 Million |
|
Hannun SA
MC:HAN
|
$5.96 Million |
|
Torr Metals Inc
V:TMET
|
$5.95 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Greenville Federal Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 20,763,000 to 20,772,000, a change of 9,000 (0.0%).
- Net income of 35,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 155,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $35.00K | +0.17% |
| Other Comprehensive Income | $155.00K | +0.75% |
| Other Changes | $-181.00K | -0.87% |
| Total Change | $- | 0.04% |
Book Value vs Market Value Analysis
This analysis compares Greenville Federal 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: 0.73x
- 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.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $9.71 | $7.25 | x |
| 2005-12-31 | $10.29 | $7.25 | x |
| 2006-12-31 | $9.95 | $7.25 | x |
| 2007-12-31 | $8.37 | $7.25 | x |
| 2008-12-31 | $8.37 | $7.25 | x |
| 2012-12-31 | $9.15 | $7.25 | x |
| 2013-12-31 | $9.39 | $7.25 | x |
| 2014-12-31 | $9.65 | $7.25 | x |
| 2015-12-31 | $9.80 | $7.25 | x |
| 2016-12-31 | $9.92 | $7.25 | x |
| 2017-12-31 | $10.13 | $7.25 | x |
| 2018-12-31 | $10.37 | $7.25 | x |
| 2019-12-31 | $10.40 | $7.25 | x |
| 2020-12-31 | $10.47 | $7.25 | x |
| 2021-12-31 | $10.82 | $7.25 | x |
| 2022-12-31 | $10.72 | $7.25 | x |
| 2023-12-31 | $10.97 | $7.25 | x |
| 2024-12-31 | $10.58 | $7.25 | x |
| 2025-12-31 | $9.99 | $7.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Greenville Federal 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): 0.17%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.26%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 12.98x
- Recent ROE (0.17%) is above the historical average (-0.07%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 2.37% | 6.85% | 0.06x | 5.79x | $-1.72 Million |
| 2005 | 2.82% | 7.73% | 0.06x | 5.70x | $-1.63 Million |
| 2006 | -4.22% | -11.15% | 0.07x | 5.77x | $-3.11 Million |
| 2007 | -16.94% | -41.20% | 0.06x | 6.42x | $-5.01 Million |
| 2008 | -16.94% | -61.33% | 0.04x | 6.42x | $-5.01 Million |
| 2012 | 4.77% | 16.55% | 0.04x | 7.94x | $-981.30K |
| 2013 | 4.84% | 16.48% | 0.04x | 7.93x | $-999.10K |
| 2014 | 4.54% | 15.13% | 0.04x | 7.61x | $-1.09 Million |
| 2015 | 3.07% | 11.44% | 0.04x | 7.30x | $-1.41 Million |
| 2016 | 2.42% | 7.28% | 0.04x | 7.82x | $-1.55 Million |
| 2017 | 3.40% | 9.82% | 0.04x | 8.26x | $-1.39 Million |
| 2018 | 3.89% | 10.57% | 0.04x | 8.32x | $-1.33 Million |
| 2019 | 1.79% | 4.50% | 0.04x | 9.11x | $-1.79 Million |
| 2020 | 2.16% | 5.11% | 0.04x | 9.68x | $-1.72 Million |
| 2021 | 4.09% | 10.13% | 0.04x | 10.08x | $-1.35 Million |
| 2022 | 2.70% | 6.67% | 0.04x | 10.72x | $-1.65 Million |
| 2023 | 1.82% | 3.80% | 0.05x | 10.67x | $-1.83 Million |
| 2024 | -8.08% | -13.94% | 0.05x | 12.42x | $-3.75 Million |
| 2025 | 0.17% | 0.26% | 0.05x | 12.98x | $-2.04 Million |
Industry Comparison
This section compares Greenville Federal 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 |
|---|---|---|---|---|
| Greenville Federal Financial Corp (GVFF) | $20.77 Million | 2.37% | 11.98x | $5.96 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 |