WVS Financial Corp. Logo

WVS Financial Corp.

WVFC

(1.8)
Stock Price

12,50 USD

0.37% ROA

3.89% ROE

15.23x PER

Market Cap.

24.320.877,00 USD

510.86% DER

3.4% Yield

13.5% NPM

WVS Financial Corp. Stock Analysis

WVS Financial Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

WVS Financial Corp. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

2 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

4 ROE

The stock's ROE falls within an average range (4.62%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.47%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

8 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

10 DER

The stock is burdened with a heavy load of debt (316%), making it financially unstable and potentially risky for investors.

11 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

WVS Financial Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

WVS Financial Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

WVS Financial Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

WVS Financial Corp. Revenue
Year Revenue Growth
1993 7.400.000
1994 8.500.000 12.94%
1995 9.900.000 14.14%
1996 10.600.000 6.6%
1997 10.900.000 2.75%
1998 10.800.000 -0.93%
1999 11.624.000 7.09%
2000 11.293.000 -2.93%
2001 10.422.000 -8.36%
2002 8.146.000 -27.94%
2003 5.734.000 -42.06%
2004 7.022.000 18.34%
2005 7.493.000 6.29%
2006 8.951.000 16.29%
2007 9.135.000 2.01%
2008 8.319.000 -9.81%
2009 4.188.000 -98.64%
2010 5.519.000 24.12%
2011 5.858.000 5.79%
2012 5.125.000 -14.3%
2013 4.995.000 -2.6%
2014 5.781.000 13.6%
2015 5.953.000 2.89%
2016 6.282.000 5.24%
2017 7.016.000 10.46%
2018 7.597.000 7.65%
2019 6.993.000 -8.64%
2020 5.338.000 -31%
2021 5.199.000 -2.67%
2022 5.808.000 10.49%
2023 6.104.000 4.85%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

WVS Financial Corp. Research and Development Expenses
Year Research and Development Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

WVS Financial Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
1993 2.400.000
1994 2.400.000 0%
1995 2.600.000 7.69%
1996 3.000.000 13.33%
1997 3.900.000 23.08%
1998 2.800.000 -39.29%
1999 3.095.000 9.53%
2000 2.415.000 -28.16%
2001 2.448.000 1.35%
2002 2.240.000 -9.29%
2003 1.992.000 -12.45%
2004 1.971.000 -1.07%
2005 1.970.000 -0.05%
2006 2.011.000 2.04%
2007 2.090.000 3.78%
2008 2.534.000 17.52%
2009 2.531.000 -0.12%
2010 2.718.000 6.88%
2011 2.591.000 -4.9%
2012 2.450.000 -5.76%
2013 2.593.000 5.51%
2014 2.616.000 0.88%
2015 2.695.000 2.93%
2016 2.762.000 2.43%
2017 2.602.000 -6.15%
2018 2.749.000 5.35%
2019 2.528.000 -8.74%
2020 2.719.000 7.02%
2021 2.652.000 -2.53%
2022 2.709.000 2.1%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

WVS Financial Corp. EBITDA
Year EBITDA Growth
1993 12.400.000
1994 12.300.000 -0.81%
1995 14.800.000 16.89%
1996 16.600.000 10.84%
1997 18.300.000 9.29%
1998 19.600.000 6.63%
1999 24.459.000 19.87%
2000 25.254.000 3.15%
2001 21.234.000 -18.93%
2002 19.611.000 -8.28%
2003 15.262.000 -28.5%
2004 15.158.000 -0.69%
2005 19.513.000 22.32%
2006 21.343.000 8.57%
2007 19.709.000 -8.29%
2008 14.645.000 -34.58%
2009 8.943.000 -63.76%
2010 6.008.000 -48.85%
2011 3.932.000 -52.8%
2012 3.119.000 -26.07%
2013 2.850.000 -9.44%
2014 3.251.000 12.33%
2015 3.653.000 11%
2016 4.436.000 17.65%
2017 6.455.000 31.28%
2018 8.646.000 25.34%
2019 3.398.000 -154.44%
2020 1.812.000 -87.53%
2021 2.688.000 32.59%
2022 2.345.000 -14.63%
2023 2.188.000 -7.18%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

WVS Financial Corp. Gross Profit
Year Gross Profit Growth
1993 7.400.000
1994 8.500.000 12.94%
1995 9.900.000 14.14%
1996 10.600.000 6.6%
1997 10.900.000 2.75%
1998 10.800.000 -0.93%
1999 11.624.000 7.09%
2000 11.293.000 -2.93%
2001 10.422.000 -8.36%
2002 8.146.000 -27.94%
2003 5.734.000 -42.06%
2004 7.022.000 18.34%
2005 7.493.000 6.29%
2006 8.951.000 16.29%
2007 9.135.000 2.01%
2008 8.319.000 -9.81%
2009 4.188.000 -98.64%
2010 5.519.000 24.12%
2011 5.858.000 5.79%
2012 5.125.000 -14.3%
2013 4.995.000 -2.6%
2014 5.781.000 13.6%
2015 5.953.000 2.89%
2016 6.282.000 5.24%
2017 6.910.000 9.09%
2018 7.597.000 9.04%
2019 6.993.000 -8.64%
2020 5.338.000 -31%
2021 5.199.000 -2.67%
2022 5.808.000 10.49%
2023 6.104.000 4.85%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

WVS Financial Corp. Net Profit
Year Net Profit Growth
1993 2.200.000
1994 1.800.000 -22.22%
1995 3.600.000 50%
1996 3.000.000 -20%
1997 3.500.000 14.29%
1998 4.000.000 12.5%
1999 4.379.000 8.65%
2000 4.762.000 8.04%
2001 4.448.000 -7.06%
2002 3.348.000 -32.86%
2003 2.302.000 -45.44%
2004 2.909.000 20.87%
2005 2.846.000 -2.21%
2006 3.646.000 21.94%
2007 3.772.000 3.34%
2008 2.878.000 -31.06%
2009 372.000 -673.66%
2010 1.226.000 69.66%
2011 1.402.000 12.55%
2012 1.080.000 -29.81%
2013 920.000 -17.39%
2014 1.347.000 31.7%
2015 1.325.000 -1.66%
2016 1.637.000 19.06%
2017 2.125.000 22.96%
2018 2.795.000 23.97%
2019 2.490.000 -12.25%
2020 1.296.000 -92.13%
2021 1.244.000 -4.18%
2022 1.708.000 27.17%
2023 1.588.000 -7.56%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

WVS Financial Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1993 1
1994 1 0%
1995 1 100%
1996 1 0%
1997 1 100%
1998 1 0%
1999 1 0%
2000 2 0%
2001 2 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 2 0%
2007 2 0%
2008 1 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 2 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

WVS Financial Corp. Free Cashflow
Year Free Cashflow Growth
1993 3.700.000
1994 4.500.000 17.78%
1995 3.700.000 -21.62%
1996 3.600.000 -2.78%
1997 5.100.000 29.41%
1998 4.300.000 -18.6%
1999 4.252.000 -1.13%
2000 5.923.000 28.21%
2001 4.385.000 -35.07%
2002 6.660.000 34.16%
2003 2.092.000 -218.36%
2004 3.742.000 44.09%
2005 2.381.000 -57.16%
2006 3.132.000 23.98%
2007 4.140.000 24.35%
2008 892.000 -364.13%
2009 810.000 -10.12%
2010 3.305.000 75.49%
2011 1.869.000 -76.83%
2012 3.985.000 53.1%
2013 3.163.000 -25.99%
2014 1.540.000 -105.39%
2015 3.230.000 52.32%
2016 2.889.000 -11.8%
2017 4.557.000 36.6%
2018 3.773.000 -20.78%
2019 3.093.000 -21.99%
2020 1.454.000 -112.72%
2021 2.546.000 42.89%
2022 2.794.000 8.88%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

WVS Financial Corp. Operating Cashflow
Year Operating Cashflow Growth
1993 3.700.000
1994 4.500.000 17.78%
1995 3.700.000 -21.62%
1996 3.700.000 0%
1997 5.100.000 27.45%
1998 4.400.000 -15.91%
1999 4.262.000 -3.24%
2000 5.985.000 28.79%
2001 4.503.000 -32.91%
2002 7.051.000 36.14%
2003 2.126.000 -231.66%
2004 3.797.000 44.01%
2005 2.460.000 -54.35%
2006 3.218.000 23.56%
2007 4.217.000 23.69%
2008 921.000 -357.87%
2009 900.000 -2.33%
2010 3.314.000 72.84%
2011 1.948.000 -70.12%
2012 4.106.000 52.56%
2013 3.264.000 -25.8%
2014 1.646.000 -98.3%
2015 3.241.000 49.21%
2016 2.898.000 -11.84%
2017 4.573.000 36.63%
2018 3.774.000 -21.17%
2019 3.359.000 -12.35%
2020 1.608.000 -108.89%
2021 2.552.000 36.99%
2022 2.875.000 11.23%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

WVS Financial Corp. Capital Expenditure
Year Capital Expenditure Growth
1993 0
1994 0 0%
1995 0 0%
1996 100.000 100%
1997 0 0%
1998 100.000 100%
1999 10.000 -900%
2000 62.000 83.87%
2001 118.000 47.46%
2002 391.000 69.82%
2003 34.000 -1050%
2004 55.000 38.18%
2005 79.000 30.38%
2006 86.000 8.14%
2007 77.000 -11.69%
2008 29.000 -165.52%
2009 90.000 67.78%
2010 9.000 -900%
2011 79.000 88.61%
2012 121.000 34.71%
2013 101.000 -19.8%
2014 106.000 4.72%
2015 11.000 -863.64%
2016 9.000 -22.22%
2017 16.000 43.75%
2018 1.000 -1500%
2019 266.000 99.62%
2020 154.000 -72.73%
2021 6.000 -2466.67%
2022 81.000 92.59%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

WVS Financial Corp. Equity
Year Equity Growth
1993 32.400.000
1994 33.800.000 4.14%
1995 34.000.000 0.59%
1996 32.900.000 -3.34%
1997 33.000.000 0.3%
1998 27.900.000 -18.28%
1999 26.911.000 -3.68%
2000 28.645.000 6.05%
2001 30.253.000 5.32%
2002 30.618.000 1.19%
2003 29.199.000 -4.86%
2004 29.201.000 0.01%
2005 29.418.000 0.74%
2006 31.293.000 5.99%
2007 32.148.000 2.66%
2008 31.123.000 -3.29%
2009 27.795.000 -11.97%
2010 28.878.000 3.75%
2011 30.413.000 5.05%
2012 31.828.000 4.45%
2013 31.788.000 -0.13%
2014 32.043.000 0.8%
2015 33.085.000 3.15%
2016 33.043.000 -0.13%
2017 34.017.000 2.86%
2018 36.050.000 5.64%
2019 36.913.000 2.34%
2020 38.389.000 3.84%
2021 36.759.000 -4.43%
2022 37.179.000 1.13%
2023 37.933.000 1.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

WVS Financial Corp. Assets
Year Assets Growth
1993 221.700.000
1994 227.400.000 2.51%
1995 259.600.000 12.4%
1996 294.700.000 11.91%
1997 297.100.000 0.81%
1998 348.400.000 14.72%
1999 409.618.000 14.95%
2000 396.440.000 -3.32%
2001 404.911.000 2.09%
2002 367.188.000 -10.27%
2003 433.624.000 15.32%
2004 421.044.000 -2.99%
2005 421.742.000 0.17%
2006 408.076.000 -3.35%
2007 423.109.000 3.55%
2008 419.434.000 -0.88%
2009 354.668.000 -18.26%
2010 228.888.000 -54.95%
2011 273.341.000 16.26%
2012 287.576.000 4.95%
2013 309.940.000 7.22%
2014 329.716.000 6%
2015 335.723.000 1.79%
2016 351.609.000 4.52%
2017 386.305.000 8.98%
2018 355.818.000 -8.57%
2019 357.101.000 0.36%
2020 346.078.000 -3.19%
2021 362.777.000 4.6%
2022 362.839.000 0.02%
2023 362.951.000 0.03%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

WVS Financial Corp. Liabilities
Year Liabilities Growth
1993 189.300.000
1994 193.600.000 2.22%
1995 225.600.000 14.18%
1996 261.800.000 13.83%
1997 264.100.000 0.87%
1998 320.500.000 17.6%
1999 382.707.000 16.25%
2000 367.795.000 -4.05%
2001 374.658.000 1.83%
2002 336.570.000 -11.32%
2003 404.425.000 16.78%
2004 391.843.000 -3.21%
2005 392.324.000 0.12%
2006 376.783.000 -4.12%
2007 390.961.000 3.63%
2008 388.311.000 -0.68%
2009 326.873.000 -18.8%
2010 200.010.000 -63.43%
2011 242.928.000 17.67%
2012 255.748.000 5.01%
2013 278.152.000 8.05%
2014 297.673.000 6.56%
2015 302.638.000 1.64%
2016 318.566.000 5%
2017 352.288.000 9.57%
2018 319.768.000 -10.17%
2019 320.188.000 0.13%
2020 307.689.000 -4.06%
2021 326.018.000 5.62%
2022 325.660.000 -0.11%
2023 99.475.000 -227.38%

WVS Financial Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.24
Net Income per Share
0.85
Price to Earning Ratio
15.23x
Price To Sales Ratio
1.85x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.55
EV to Sales
9.24
EV Over EBITDA
577.13
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.07
FreeCashFlow Yield
0
Market Cap
0,02 Bil.
Enterprise Value
0,12 Bil.
Graham Number
21.32
Graham NetNet
-60.93

Income Statement Metrics

Net Income per Share
0.85
Income Quality
0
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
0.85
Ebit per Revenue
0.22
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.27
Operating Profit Margin
0.22
Pretax Profit Margin
0.19
Net Profit Margin
0.14

Dividends

Dividend Yield
0.03
Dividend Yield %
3.4
Payout Ratio
0
Dividend Per Share
0.44

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
1,39
Book Value per Share
165,04
Tangible Book Value per Share
165.04
Shareholders Equity per Share
23.76
Interest Debt per Share
126.18
Debt to Equity
5.11
Debt to Assets
0.53
Net Debt to EBITDA
461.68
Current Ratio
0.02
Tangible Asset Value
0,26 Bil.
Net Current Asset Value
-0,10 Bil.
Invested Capital
-97262000
Working Capital
-0,10 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
7.97

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

WVS Financial Corp. Dividends
Year Dividends Growth
1994 0
1995 0 0%
1996 1 0%
1997 1 0%
1998 3 100%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

WVS Financial Corp. Profile

About 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. The company accepts various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates. It also offers single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, land acquisition and development loans, and commercial loans. In addition, the company is involved in the investment activities. As of May 24, 2022, it had five offices located in the North Hills suburbs of Pittsburgh, Pennsylvania. WVS Financial Corp. was founded in 1908 and is based in Pittsburgh, Pennsylvania.

CEO
Mr. David J. Bursic
Employee
23
Address
9001 Perry Highway
Pittsburgh, 15237

WVS Financial Corp. Executives & BODs

WVS Financial Corp. Executives & BODs
# Name Age
1 Mr. Michael R. Rutan
Senior Vice President of Operations & Corporate Secretary
70
2 Mr. David J. Bursic
Vice Chairman, President, Chief Executive Officer & Chief Financial Officer
70
3 Ms. Mary C. Magestro-Johnston
Vice President, Treasurer & Chief Accounting Officer
70

WVS Financial Corp. Competitors