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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 0.08
NAS:WVFC's Cash-to-Debt is ranked lower than
95% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. NAS:WVFC: 0.08 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:WVFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: N/A
Current: 0.08
Equity-to-Asset 0.10
NAS:WVFC's Equity-to-Asset is ranked higher than
50% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:WVFC: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS: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 1.47
NAS:WVFC's Interest Coverage is ranked lower than
55% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. NAS:WVFC: 1.47 )
Ranked among companies with meaningful Interest Coverage only.
NAS:WVFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.72 Max: 1.74
Current: 1.47
0.04
1.74
Beneish M-Score: -2.30
WACC vs ROIC
1.38%
0.81%
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 : 5/10

vs
industry
vs
history
Operating Margin % 37.94
NAS:WVFC's Operating Margin % is ranked higher than
66% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. NAS:WVFC: 37.94 )
Ranked among companies with meaningful Operating Margin % only.
NAS:WVFC' s Operating Margin % Range Over the Past 10 Years
Min: 9.04  Med: 35.18 Max: 60.43
Current: 37.94
9.04
60.43
Net Margin % 24.86
NAS:WVFC's Net Margin % is ranked higher than
57% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. NAS:WVFC: 24.86 )
Ranked among companies with meaningful Net Margin % only.
NAS:WVFC' s Net Margin % Range Over the Past 10 Years
Min: 9.37  Med: 22.78 Max: 40.73
Current: 24.86
9.37
40.73
ROE % 4.60
NAS:WVFC's ROE % is ranked lower than
77% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. NAS:WVFC: 4.60 )
Ranked among companies with meaningful ROE % only.
NAS:WVFC' s ROE % Range Over the Past 10 Years
Min: 1.26  Med: 4.28 Max: 12.01
Current: 4.6
1.26
12.01
ROA % 0.45
NAS:WVFC's ROA % is ranked lower than
75% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. NAS:WVFC: 0.45 )
Ranked among companies with meaningful ROA % only.
NAS:WVFC' s ROA % Range Over the Past 10 Years
Min: 0.1  Med: 0.42 Max: 0.91
Current: 0.45
0.1
0.91
3-Year Revenue Growth Rate 7.80
NAS:WVFC's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. NAS:WVFC: 7.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:WVFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -20.7  Med: 4.95 Max: 19.6
Current: 7.8
-20.7
19.6
3-Year EBITDA Growth Rate 11.80
NAS:WVFC's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. NAS:WVFC: 11.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:WVFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -54.3  Med: 5 Max: 54.9
Current: 11.8
-54.3
54.9
3-Year EPS without NRI Growth Rate 9.90
NAS:WVFC's 3-Year EPS without NRI Growth Rate is ranked higher than
58% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NAS:WVFC: 9.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:WVFC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -51.4  Med: 3.85 Max: 42.4
Current: 9.9
-51.4
42.4
GuruFocus has detected 4 Warning Signs with WVS Financial Corp $NAS:WVFC.
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» NAS:WVFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:OTCPK:RYFL, OTCPK:MBCQ, NAS:EQFN, NAS:CFBK, OTCPK:WEFP, OTCBB:HIBE, OTCPK:FNFI, OTCPK:UNTN, NAS:CARV, OTCPK:FIRT, NAS:GTWN, NAS:BYFC, OTCPK:SNNY, OTCPK:LTLB, NAS:WAYN, OTCPK:NWBB, OTCPK:HWEN, NAS:JXSB, NAS:HFBL, NAS:ANCB » details
Headquarter Location:USA
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
PE Ratio 19.14
WVFC's PE Ratio is ranked lower than
69% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. WVFC: 19.14 )
Ranked among companies with meaningful PE Ratio only.
WVFC' s PE Ratio Range Over the Past 10 Years
Min: 8.85  Med: 16.38 Max: 91.62
Current: 19.14
8.85
91.62
PE Ratio without NRI 19.14
WVFC's PE Ratio without NRI is ranked lower than
69% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. WVFC: 19.14 )
Ranked among companies with meaningful PE Ratio without NRI only.
WVFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.85  Med: 16.38 Max: 91.62
Current: 19.14
8.85
91.62
Price-to-Owner-Earnings 18.81
WVFC's Price-to-Owner-Earnings is ranked lower than
68% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. WVFC: 18.81 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WVFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.21  Med: 15.42 Max: 70.22
Current: 18.81
6.21
70.22
PB Ratio 0.91
WVFC's PB Ratio is ranked higher than
68% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. WVFC: 0.91 )
Ranked among companies with meaningful PB Ratio only.
WVFC' s PB Ratio Range Over the Past 10 Years
Min: 0.48  Med: 0.76 Max: 1.4
Current: 0.91
0.48
1.4
PS Ratio 4.70
WVFC's PS Ratio is ranked lower than
72% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. WVFC: 4.70 )
Ranked among companies with meaningful PS Ratio only.
WVFC' s PS Ratio Range Over the Past 10 Years
Min: 2.4  Med: 4.08 Max: 7.12
Current: 4.7
2.4
7.12
Price-to-Free-Cash-Flow 10.01
WVFC's Price-to-Free-Cash-Flow is ranked higher than
59% of the 870 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.33 vs. WVFC: 10.01 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WVFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.85  Med: 9.6 Max: 109.46
Current: 10.01
3.85
109.46
Price-to-Operating-Cash-Flow 9.98
WVFC's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.82 vs. WVFC: 9.98 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WVFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.84  Med: 9.49 Max: 1358.89
Current: 9.98
3.84
1358.89
EV-to-EBIT 77.83
WVFC's EV-to-EBIT is ranked lower than
96% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. WVFC: 77.83 )
Ranked among companies with meaningful EV-to-EBIT only.
WVFC' s EV-to-EBIT Range Over the Past 10 Years
Min: 24.4  Med: 66.6 Max: 528.4
Current: 77.83
24.4
528.4
EV-to-EBITDA 74.66
WVFC's EV-to-EBITDA is ranked lower than
96% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. WVFC: 74.66 )
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: 74.66
23.4
358.7
PEG Ratio 5.97
WVFC's PEG Ratio is ranked lower than
89% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.43 vs. WVFC: 5.97 )
Ranked among companies with meaningful PEG Ratio only.
WVFC' s PEG Ratio Range Over the Past 10 Years
Min: 0.72  Med: 2.03 Max: 41.44
Current: 5.97
0.72
41.44
Shiller PE Ratio 16.58
WVFC's Shiller PE Ratio is ranked higher than
68% of the 479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.93 vs. WVFC: 16.58 )
Ranked among companies with meaningful Shiller PE Ratio only.
WVFC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.5  Med: 10.18 Max: 16.92
Current: 16.58
5.5
16.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.19
WVFC's Dividend Yield % is ranked lower than
84% of the 2319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. WVFC: 1.19 )
Ranked among companies with meaningful Dividend Yield % only.
WVFC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.04  Med: 1.94 Max: 6.74
Current: 1.19
1.04
6.74
Dividend Payout Ratio 0.20
WVFC's Dividend Payout Ratio is ranked higher than
77% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. WVFC: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WVFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.2  Med: 0.37 Max: 3.56
Current: 0.2
0.2
3.56
Forward Dividend Yield % 1.59
WVFC's Forward Dividend Yield % is ranked lower than
79% of the 2248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. WVFC: 1.59 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.80
WVFC's 5-Year Yield-on-Cost % is ranked lower than
94% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.31 vs. WVFC: 0.80 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WVFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.7  Med: 1.3 Max: 4.52
Current: 0.8
0.7
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 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 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: -1.4  Med: 3 Max: 8.8
Current: 0.3
-1.4
8.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.91
WVFC's Price-to-Tangible-Book is ranked higher than
70% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. WVFC: 0.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WVFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.5  Med: 1.21 Max: 2.11
Current: 0.91
0.5
2.11
Price-to-Intrinsic-Value-Projected-FCF 0.53
WVFC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
75% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. WVFC: 0.53 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WVFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.57 Max: 1.39
Current: 0.53
0.32
1.39
Price-to-Median-PS-Value 1.15
WVFC's Price-to-Median-PS-Value is ranked higher than
51% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. WVFC: 1.15 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WVFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.06 Max: 4.02
Current: 1.15
0.63
4.02
Price-to-Graham-Number 0.88
WVFC's Price-to-Graham-Number is ranked higher than
57% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. WVFC: 0.88 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WVFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 0.81 Max: 1.7
Current: 0.88
0.49
1.7
Earnings Yield (Greenblatt) % 1.28
WVFC's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. WVFC: 1.28 )
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: 1.28
0.2
4.1
Forward Rate of Return (Yacktman) % 12.05
WVFC's Forward Rate of Return (Yacktman) % is ranked higher than
53% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. WVFC: 12.05 )
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: -23.8  Med: 5.15 Max: 33.9
Current: 12.05
-23.8
33.9

More Statistics

Revenue (TTM) (Mil) $6.09
EPS (TTM) $ 0.79
Beta0.53
Short Percentage of Float0.11%
52-Week Range $10.73 - 15.50
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 

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