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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.07
WVFC's Cash to Debt is ranked lower than
96% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.02 vs. WVFC: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
WVFC' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: 0.22
Current: 0.07
0
0.22
Equity to Asset 0.10
WVFC's Equity to Asset is ranked lower than
51% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WVFC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
WVFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 1.48
WVFC's Interest Coverage is ranked lower than
53% of the 1751 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. WVFC: 1.48 )
Ranked among companies with meaningful Interest Coverage only.
WVFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.72 Max: 1.74
Current: 1.48
0.04
1.74
F-Score: 5
M-Score: -2.21
WACC vs ROIC
1.40%
0.75%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 36.62
WVFC's Operating margin (%) is ranked higher than
63% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.82 vs. WVFC: 36.62 )
Ranked among companies with meaningful Operating margin (%) only.
WVFC' s Operating margin (%) Range Over the Past 10 Years
Min: 9.04  Med: 35.18 Max: 60.43
Current: 36.62
9.04
60.43
Net-margin (%) 23.45
WVFC's Net-margin (%) is ranked higher than
54% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.17 vs. WVFC: 23.45 )
Ranked among companies with meaningful Net-margin (%) only.
WVFC' s Net-margin (%) Range Over the Past 10 Years
Min: 9.37  Med: 22.78 Max: 40.73
Current: 23.45
9.37
40.73
ROE (%) 4.32
WVFC's ROE (%) is ranked lower than
78% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. WVFC: 4.32 )
Ranked among companies with meaningful ROE (%) only.
WVFC' s ROE (%) Range Over the Past 10 Years
Min: 1.26  Med: 4.28 Max: 12.01
Current: 4.32
1.26
12.01
ROA (%) 0.42
WVFC's ROA (%) is ranked lower than
75% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. WVFC: 0.42 )
Ranked among companies with meaningful ROA (%) only.
WVFC' s ROA (%) Range Over the Past 10 Years
Min: 0.1  Med: 0.42 Max: 0.91
Current: 0.42
0.1
0.91
Revenue Growth (3Y)(%) 7.80
WVFC's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. WVFC: 7.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WVFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.7  Med: 1.5 Max: 19.6
Current: 7.8
-20.7
19.6
EBITDA Growth (3Y)(%) 11.80
WVFC's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. WVFC: 11.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WVFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -54.3  Med: 4.4 Max: 54.9
Current: 11.8
-54.3
54.9
EPS Growth (3Y)(%) 9.90
WVFC's EPS Growth (3Y)(%) is ranked higher than
59% of the 1227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. WVFC: 9.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WVFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -51.4  Med: 0.5 Max: 42.4
Current: 9.9
-51.4
42.4
» WVFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OTCPK:MBCQ, NAS:CFBK, OTCPK:RYFL, OTCPK:WEFP, NAS:EQFN, OTCPK:UNTN, NAS:CARV, OTCBB:PBCP, OTCPK:FIRT, NAS:WAYN, OTCPK:SNNY, OTCPK:HWEN, NAS:BYFC, NAS:HFBL, NAS:GTWN, OTCPK:BHWB, NAS:JXSB, NAS:PBHC, OTCPK:VLLX, OTCPK:GRRB » details
WVS Financial Corp operates as the holding company of West View Savings Bank. It provides financial products and services to residential and commercial customers.

WVS Financial Corp is incorporated in Pennsylvania. The Company is a parent holding company of West View Savings Bank. The Company was organized in July 1993 as a Pennsylvania-chartered unitary bank holding company and acquired 100% of the common stock of the Savings Bank in November 1993. The Company is a Pennsylvania-chartered; FDIC-insured stock savings bank conducting business from six offices in the North Hills suburbs of Pittsburgh. The Savings Bank converted from the mutual to the stock form of ownership in November 1993. The main categories of loans in the Company's portfolio are 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. Construction loans are made for the purpose of constructing a single-family residence. Its entire mortgage loans are secured by properties located in Pennsylvania. Additionally the Company's non-mortgage loan portfolio consists of loans made to residents and businesses located in the Company's primary market area. The Company originates mortgage loans for the acquisition and refinancing of existing multi-family residential and commercial real estate properties. The majority of the Company's multi-family residential loans are secured mainly by 5 to 20 unit apartment buildings, while commercial real estate loans are secured by office buildings, a fitness facility, small retail establishments and a church. These types of properties constitute the majority of the Company's commercial real estate loan portfolio. At June 30, 2013, $3.3 million or 10.4% of the Company's total loan portfolio consisted of consumer loans, which represented a decrease of $555 thousand or 14.3% from fiscal 2012. Its direct competition for deposits has historically come from commercial banks and other savings institutions located in its market area. Its competition for real estate loans comes mainly from mortgage banking companies, other savings institutions, commercial banks and credit unions. The Company, as a bank holding company, is subject to regulation and supervision by the Federal Reserve Board and by the Pennsylvania Department of Banking.

Ratios

vs
industry
vs
history
P/E(ttm) 19.18
WVFC's P/E(ttm) is ranked lower than
70% of the 2008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. WVFC: 19.18 )
Ranked among companies with meaningful P/E(ttm) only.
WVFC' s P/E(ttm) Range Over the Past 10 Years
Min: 8.85  Med: 15.34 Max: 91.62
Current: 19.18
8.85
91.62
PE(NRI) 19.18
WVFC's PE(NRI) is ranked lower than
67% of the 1604 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.85 vs. WVFC: 19.18 )
Ranked among companies with meaningful PE(NRI) only.
WVFC' s PE(NRI) Range Over the Past 10 Years
Min: 8.85  Med: 15.34 Max: 91.62
Current: 19.18
8.85
91.62
Price/Owner Earnings (ttm) 21.51
WVFC's Price/Owner Earnings (ttm) is ranked lower than
71% of the 909 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.74 vs. WVFC: 21.51 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WVFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.21  Med: 15.21 Max: 70.22
Current: 21.51
6.21
70.22
P/B 0.85
WVFC's P/B is ranked higher than
71% of the 1990 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. WVFC: 0.85 )
Ranked among companies with meaningful P/B only.
WVFC' s P/B Range Over the Past 10 Years
Min: 0.48  Med: 0.76 Max: 1.43
Current: 0.85
0.48
1.43
P/S 4.42
WVFC's P/S is ranked lower than
68% of the 2055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. WVFC: 4.42 )
Ranked among companies with meaningful P/S only.
WVFC' s P/S Range Over the Past 10 Years
Min: 2.4  Med: 4.1 Max: 7.12
Current: 4.42
2.4
7.12
PFCF 4.64
WVFC's PFCF is ranked higher than
72% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.99 vs. WVFC: 4.64 )
Ranked among companies with meaningful PFCF only.
WVFC' s PFCF Range Over the Past 10 Years
Min: 3.85  Med: 11.16 Max: 109.46
Current: 4.64
3.85
109.46
POCF 4.64
WVFC's POCF is ranked higher than
70% of the 1130 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.66 vs. WVFC: 4.64 )
Ranked among companies with meaningful POCF only.
WVFC' s POCF Range Over the Past 10 Years
Min: 3.84  Med: 9.54 Max: 1358.89
Current: 4.64
3.84
1358.89
EV-to-EBIT 79.05
WVFC's EV-to-EBIT is ranked lower than
97% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.02 vs. WVFC: 79.05 )
Ranked among companies with meaningful EV-to-EBIT only.
WVFC' s EV-to-EBIT Range Over the Past 10 Years
Min: 24.4  Med: 66.7 Max: 528.4
Current: 79.05
24.4
528.4
EV-to-EBITDA 75.72
WVFC's EV-to-EBITDA is ranked lower than
97% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.08 vs. WVFC: 75.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
WVFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 23.4  Med: 72 Max: 358.7
Current: 75.72
23.4
358.7
PEG 6.00
WVFC's PEG is ranked lower than
89% of the 748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. WVFC: 6.00 )
Ranked among companies with meaningful PEG only.
WVFC' s PEG Range Over the Past 10 Years
Min: 0.72  Med: 1.58 Max: 45.07
Current: 6
0.72
45.07
Shiller P/E 15.11
WVFC's Shiller P/E is ranked higher than
75% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.87 vs. WVFC: 15.11 )
Ranked among companies with meaningful Shiller P/E only.
WVFC' s Shiller P/E Range Over the Past 10 Years
Min: 5.5  Med: 10.13 Max: 15.22
Current: 15.11
5.5
15.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.14
WVFC's Dividend Yield is ranked lower than
84% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.78 vs. WVFC: 1.14 )
Ranked among companies with meaningful Dividend Yield only.
WVFC' s Dividend Yield Range Over the Past 10 Years
Min: 1.13  Med: 3.09 Max: 6.74
Current: 1.14
1.13
6.74
Dividend Payout 0.22
WVFC's Dividend Payout is ranked higher than
71% of the 1305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WVFC: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
WVFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.41 Max: 5.33
Current: 0.22
0.13
5.33
Forward Dividend Yield 1.13
WVFC's Forward Dividend Yield is ranked lower than
87% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. WVFC: 1.13 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.76
WVFC's Yield on cost (5-Year) is ranked lower than
92% of the 2628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. WVFC: 0.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WVFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.76  Med: 2.08 Max: 4.52
Current: 0.76
0.76
4.52
3-Year Average Share Buyback Ratio 0.30
WVFC's 3-Year Average Share Buyback Ratio is ranked higher than
80% of the 1057 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. WVFC: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WVFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0  Med: 3.2 Max: 8.8
Current: 0.3
0
8.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.85
WVFC's Price/Tangible Book is ranked higher than
73% of the 2002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. WVFC: 0.85 )
Ranked among companies with meaningful Price/Tangible Book only.
WVFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.25 Max: 2.11
Current: 0.85
0.5
2.11
Price/Projected FCF 0.50
WVFC's Price/Projected FCF is ranked higher than
78% of the 1125 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. WVFC: 0.50 )
Ranked among companies with meaningful Price/Projected FCF only.
WVFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.56 Max: 1.26
Current: 0.5
0.32
1.26
Price/Median PS Value 1.07
WVFC's Price/Median PS Value is ranked higher than
63% of the 1898 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. WVFC: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
WVFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 1.05 Max: 3.87
Current: 1.07
0.63
3.87
Price/Graham Number 0.86
WVFC's Price/Graham Number is ranked higher than
57% of the 1743 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. WVFC: 0.86 )
Ranked among companies with meaningful Price/Graham Number only.
WVFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.82 Max: 1.7
Current: 0.86
0.49
1.7
Earnings Yield (Greenblatt) (%) 1.30
WVFC's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 2188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. WVFC: 1.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WVFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 1.5 Max: 4.1
Current: 1.3
0.2
4.1
Forward Rate of Return (Yacktman) (%) 10.62
WVFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 879 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.55 vs. WVFC: 10.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WVFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -26.5  Med: 1.95 Max: 31
Current: 10.62
-26.5
31

More Statistics

Revenue (TTM) (Mil) $6.02
EPS (TTM) $ 0.73
Beta0.48
Short Percentage of Float0.06%
52-Week Range $10.73 - 14.15
Shares Outstanding (Mil)2.01
» More Articles for WVFC

Headlines

Articles On GuruFocus.com
WVS Financial Corp. Reports Operating Results (10-Q) Feb 09 2011 
WVS Financial Corp. Reports Operating Results (10-K) Sep 14 2010 
WVS Financial Corp. Reports Operating Results (10-Q) May 14 2010 
WVS Financial Corp. Reports Operating Results (10-Q) Feb 12 2010 
WVS Financial Corp. Reports Operating Results (10-Q) Nov 13 2009 
WVS Financial Corp. Reports Operating Results (10-K) Sep 15 2009 
WVS Financial Corp. Reports Operating Results (10-K) Sep 14 2009 
WVS Financial Corp. Reports Operating Results (10-Q) May 11 2009 
WVS Financial Corp. Reports Operating Results (10-Q) Feb 13 2009 

More From Other Websites
WVS Financial Corp. : WVFC-US: Dividend Analysis : November 07th, 2016 (record date) : By the... Dec 01 2016
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WVS Financial Corp. :WVFC-US: Earnings Analysis: Q1, 2017 By the Numbers : October 31, 2016 Oct 31 2016
WVS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 28 2016
WVS FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Oct 27 2016
WVS FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 25 2016
WVS FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Oct 12 2016
WVS FINANCIAL CORP Files SEC form 10-K, Annual Report Sep 15 2016
WVS FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Sep 02 2016
WVS Financial Corp. :WVFC-US: Earnings Analysis: 2016 By the Numbers : August 22, 2016 Aug 22 2016
WVS Financial Corp. :WVFC-US: Earnings Analysis: Q4, 2016 By the Numbers : August 3, 2016 Aug 03 2016
WVS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 29 2016
WVS FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 25 2016
WVS Financial Corp. :WVFC-US: Earnings Analysis: Q3, 2016 By the Numbers : June 28, 2016 Jun 28 2016
WVS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 16 2016
WVS FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 26 2016
WVS Financial Corp. :WVFC-US: Earnings Analysis: Q3, 2016 By the Numbers Apr 21 2016
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WVS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Feb 12 2016

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