VWF Bancorp, Inc.

VWFB

VWF Bancorp, Inc.

VWFB

Insider Sentiment (TTM):

Last Purchase:2025-09-29Last Sale:2025-06-11Shares Purchased (TTM):18,100Shares Sold (TTM):0

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2025-05-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30
Cash And Due From Banks	7	16	4	32	21	6	11	6	24	19	17	37
Interest Bearing Deposits In Banks	-	-	-	-	-	-	-	-	-	1	1	1
Debt Securities Available For Sale Excluding Accru…	184	151	167	139	133	126	102	71	49	39	40	24
Loans Receivable Held For Sale Net Not Part Of Dis…	0	-	-	-	-	-	-	-	-	-	-	-
Financing Receivable Excluding Accrued Interest Af…	167	149	134	126	105	100	92	81	79	80	79	78
Property Plant And Equipment Net	3	3	3	2	2	2	2	1	1	1	1	1
Assets
Assets	372	329	319	311	271	244	215	166	160	147	146	150
Federal Home Loan Bank Stock	2	1	1	2	2	2	1	0	0	1	1	1
Federal Reserve Bank Stock	-	-	-	-	-	1	1	-	-	-	-	-
Bank Owned Life Insurance	5	5	5	5	5	5	5	5	5	5	5	5
Interest Receivable	1	1	1	1	1	1	1	0	0	0	0	0
Operating Lease Right Of Use Asset	1	1	1	1	1	1	-	-	-	-	-	-
Other Assets	2	2	2	2	2	2	1	1	1	1	1	1
Liabilities And Stockhold…
Liabilities
Demand Deposit Accounts	43	44	40	26	25	26	27	27	29	28	27	26
Deposits
Deposits	303	290	245	209	207	163	140	120	120	106	106	110
Deposits Savings Deposits	55	53	49	47	47	41	38	42	46	45	46	49
Time Deposits	205	193	155	135	135	96	75	51	44	33	34	35
Advances From Federal Home Loan Banks	-	-	-	-	24	16	13	6	-	-	-	0
Long Term Debt	31	-	33	62	-	-	-	6	-	-	-	-
Advance Payments By Borrowers For Taxes And Insura…	1	1	0	0	1	1	0	1	0	1	0	1
Operating Lease Liability	1	1	1	1	1	1	-	-	-	-	-	-
Accrued Liabilities Current And Noncurrent	2	2	2	2	2	1	1	1	0	1	0	0
Liabilities	337	293	282	275	234	206	177	127	120	108	107	126
Preferred Stock Value	-	-	-	0	-	-	-	0	-	-	-	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	18	18	18	18	18	18	18	18	18	18	18	-
Stockholders Equity
Stockholders Equity	35	36	37	37	37	38	38	38	39	39	39	23
Treasury Stock Common Value	-1	-1	-1	-1	-1	-	-	-	-	-	-	-
Retained Earnings Accumulated Deficit	20	20	22	23	24	24	24	25	25	25	26	25
Accumulated Other Comprehensive Income Loss Net Of…	-1	-0	-2	-2	-2	-3	-3	-3	-2	-3	-3	-2
Liabilities And Stockholders Equity	372	329	319	311	271	244	215	166	160	147	146	150
Financing Receivable Allowance For Credit Loss Exc…	1	1	1	1	1	1	0	0	0	0	0	0
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	14	14	14	14	14	14	14	14	14	14	14	14
Common Stock Shares Issued	-	-	-	2	2	2	2	2	2	2	2	-
Shares Outstanding	2	2	2	2	2	-	-	2	-	-	-	-
Treasury Stock Common Shares	0	0	0	0	0	-	-	0	-	-	-	-

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-0.73%	-0.73%	-1.99%	-8.17%	-16.55%	-20.37%	-3.91%	-3.30%	-2.09%	-	-	-
2024	5.96%	15.67%	21.27%	-1.54%	-4.74%	-7.82%	-3.15%	0.07%	-0.53%	-0.46%	-0.66%	-1.45%
2023	3.25%	10.77%	12.69%	6.22%	-2.03%	-5.41%	-4.06%	2.14%	-2.51%	0.22%	0.22%	3.93%
2022	-	-	-	-	-	-	-	-	-	-4.07%	-7.14%	-3.57%
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Performance and Valuation Metrics

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Metrics	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30
Leverage & Debt
Interest Coverage TTM	-1.72	-1.22	-0.38	0.06	0.57	0.61	0.14	0.07	0.17	-0.02	-	-
Per Share Metrics
Diluted EPS TTM	-2.23	-2.38	-1.26	-1.14	-0.94	-0.53	-0.64	-0.31	-0.18	-0.20	-	-
Free Cash Flow Per Share TTM	-2.57	-2.43	-2.14	-1.68	-1.05	-1.29	-0.72	0.12	0.09	0.45	-	-
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-
Margin Metrics
Gross Profit Margin TTM	40.33%	40.42%	41.43%	44.05%	49.30%	58.99%	72.11%	84.56%	90.48%	91.15%	-	-
Operating Profit Margin TTM	-29.09%	-33.93%	-19.98%	-21.37%	-21.60%	-15.87%	-24.07%	-14.41%	-7.86%	-9.00%	-	-
Net Profit Margin TTM	-22.69%	-26.36%	-15.71%	-16.80%	-16.96%	-12.21%	-18.63%	-10.79%	-5.32%	-6.39%	-	-
Growth Metrics
Net Revenue Growth (1Y)	78.35%	104.82%	130.39%	137.91%	63.89%	42.57%	-	-	-	-	-	-
Net Income Growth (1Y)	138.68%	342.17%	94.32%	270.30%	422.06%	172.31%	-	-	-	-	-	-
EPS Growth (1Y)	139.68%	348.03%	96.98%	271.17%	422.74%	171.13%	-	-	-	-	-	-
Valuation Metrics
P/E TTM	-5.68	-6.29	-11.98	-13.35	-16.53	-26.31	-21.21	-42.26	-83.75	-71.33	-	-
P/B TTM	0.64	0.74	0.72	0.74	0.74	0.66	0.64	0.60	0.67	0.64	0.55	-
P/S TTM	1.29	1.66	1.88	2.24	2.80	3.21	3.95	4.56	4.46	4.56	-	-
Market Cap	22.43M	26.29M	26.52M	26.96M	27.35M	24.87M	24.16M	23.05M	26.54M	24.77M	21.27M	-
Enterprise Value	46.05M	10.60M	55.15M	95.07M	6.81M	18.70M	13.14M	23.73M	2.04M	6.20M	3.82M	-
Calculated Values
Free Cash Flow TTM	-4.53M	-4.25M	-3.74M	-2.97M	-1.86M	-2.30M	-1.28M	213.13K	155.95K	803.21K	-	-
Net Debt	23.62M	-15.68M	28.63M	68.12M	-20.54M	-6.18M	-11.03M	684.27K	-24.50M	-18.57M	-17.44M	-36.71M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-09-29Purchase

Owner: Quinlan, Peter Sebastian

Title: -

Shares: 100

Price/Share: $11.25

Value: $1,125.00

Shares Owned: 45,851

Relationship: Director

Ownership: Indirect

2025-09-16Purchase

Owner: Quinlan, Peter Sebastian

Title: -

Shares: 2,000

Price/Share: $11.26

Value: $22,520.00

Shares Owned: 45,251

Relationship: Director

Ownership: Indirect

2025-09-02Purchase

Owner: Quinlan, Peter Sebastian

Title: -

Shares: 14,000

Price/Share: $11.22

Value: $157,080.00

Shares Owned: 43,251

Relationship: Director

Ownership: Indirect

2025-08-28Purchase

Owner: Quinlan, Peter Sebastian

Title: -

Shares: 2,000

Price/Share: $11.25

Value: $22,500.00

Shares Owned: 29,251

Relationship: Director

Ownership: Indirect

2025-08-27Purchase

Owner: Quinlan, Peter Sebastian

Title: -

Shares: 1,100

Price/Share: $11.20

Value: $12,320.00

Shares Owned: 27,251

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-09-29	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	100	11.25	$1,125.00	45,851	4
2025-09-16	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	2,000	11.26	$22,520.00	45,251	4
2025-09-02	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	14,000	11.22	$157,080.00	43,251	4
2025-08-28	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	2,000	11.25	$22,500.00	29,251	4
2025-08-27	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	1,100	11.20	$12,320.00	27,251	4
2025-06-13	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	3,000	11.30	$33,900.00	25,251	4
2025-06-11	Clay, Gary L	Director,Officer	Chairman of the Board	Indirect	Sale	9,400	11.25	$105,750.00	28,000	4
2025-06-11	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	3,950	11.25	$44,437.50	22,251	4
2025-06-05	Quinlan, Peter Sebastian	Director	-	Indirect	Purchase	4,000	11.00	$44,000.00	18,301	4
2025-06-05	Koch, Charles F	Director	-	Direct	Purchase	1,000	10.97	$10,970.00	5,695	4
2025-03-24	Clay, Gary L	Director,Officer	Chairman of the Board	Indirect	Sale	500	13.12	$6,560.00	37,400	4
2025-03-19	Clay, Gary L	Director,Officer	Chairman of the Board	Indirect	Sale	100	13.12	$1,312.00	37,900	4
2024-12-18	Clay, Gary L	Director,Officer	Chairman of the Board	Indirect	Sale	7,894	14.53	$114,699.82	38,000	4
2024-12-10	Clay, Gary L	Director,Officer	Chairman of the Board	Indirect	Sale	106	14.98	$1,587.88	45,894	4
2024-05-21	Cahill, Michael D	Director,Officer	President & CEO	Direct	Purchase	500	15.25	$7,625.00	10,000	4
2024-03-15	Koch, Charles F	Director	-	Direct	Purchase	350	15.75	$5,512.50	4,695	4
2023-12-14	Koch, Charles F	Director	-	Direct	Purchase	500	14.25	$7,125.00	500	4
2023-12-05	Cahill, Michael D	Director,Officer	President & CEO	Direct	Purchase	7,000	13.95	$97,650.00	9,500	4
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No institutional ownership data available.

VWF Bancorp, Inc. (VWFB) — SEC Financial Statements & Analysis

VWF Bancorp, Inc. (VWFB) is a savings institutions, not federally chartered company. VWF Bancorp, Inc. trades on OTC as: VWFB. Based on its latest SEC filing (Form 10-Q, period ending 2025-03-31), VWF Bancorp, Inc. reported a 78.35% year-over-year revenue growth, a Gross Profit Margin of 40.33% (TTM), a Price-to-Sales (P/S) ratio of 1.29x (TTM), a Price-to-Book (P/B) ratio of 0.64x (TTM), at a market cap of $22.43M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 78.35%
Gross Profit Margin TTM: 40.33%
P/S TTM: 1.29x
P/B TTM: 0.64x
Market Cap: $22.43M

Data as of 2025-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is VWF Bancorp, Inc. in?

VWF Bancorp, Inc. (VWFB) operates in the Savings Institutions, Not Federally Chartered industry.

What is VWFB's market cap?

VWF Bancorp, Inc. (VWFB) has a market capitalization of $22.43M as of 2025-03-31.

What exchange does VWFB trade on?

VWF Bancorp, Inc. (VWFB) trades on the OTC.

VWF Bancorp, Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

VWF Bancorp, Inc. (VWFB) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Savings Institutions, Not Federally Chartered

Wall Street's data.
Main Street's price.

VWF Bancorp, Inc. (VWFB) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Savings Institutions, Not Federally Chartered

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.