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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.02
WVFC's Cash to Debt is ranked lower than
99% of the 980 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.53 vs. WVFC: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
WVFC' s 10-Year Cash to Debt Range
Min: 0  Med: 0.02 Max: N/A
Current: 0.02
Equity to Asset 0.10
WVFC's Equity to Asset is ranked higher than
51% of the 1337 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 1.03
WVFC's Interest Coverage is ranked lower than
63% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. WVFC: 1.03 )
Ranked among companies with meaningful Interest Coverage only.
WVFC' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.40 Max: 1.49
Current: 1.03
0.04
1.49
F-Score: 5
WACC vs ROIC
1.45%
0.78%
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 (%) 33.66
WVFC's Operating margin (%) is ranked higher than
59% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.01 vs. WVFC: 33.66 )
Ranked among companies with meaningful Operating margin (%) only.
WVFC' s 10-Year Operating margin (%) Range
Min: 9.04  Med: 54.24 Max: 61.54
Current: 33.66
9.04
61.54
Net-margin (%) 22.75
WVFC's Net-margin (%) is ranked higher than
54% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.75 vs. WVFC: 22.75 )
Ranked among companies with meaningful Net-margin (%) only.
WVFC' s 10-Year Net-margin (%) Range
Min: 9.37  Med: 37.23 Max: 42.68
Current: 22.75
9.37
42.68
ROE (%) 4.08
WVFC's ROE (%) is ranked lower than
79% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. WVFC: 4.08 )
Ranked among companies with meaningful ROE (%) only.
WVFC' s 10-Year ROE (%) Range
Min: 1.26  Med: 9.84 Max: 17.14
Current: 4.08
1.26
17.14
ROA (%) 0.42
WVFC's ROA (%) is ranked lower than
75% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. WVFC: 0.42 )
Ranked among companies with meaningful ROA (%) only.
WVFC' s 10-Year ROA (%) Range
Min: 0.1  Med: 0.78 Max: 1.24
Current: 0.42
0.1
1.24
Revenue Growth (3Y)(%) -3.20
WVFC's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1186 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. WVFC: -3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WVFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.7  Med: 2.05 Max: 19.6
Current: -3.2
-20.7
19.6
EBITDA Growth (3Y)(%) -5.70
WVFC's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 1046 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. WVFC: -5.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WVFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -54.6  Med: 4.90 Max: 55.7
Current: -5.7
-54.6
55.7
EPS Growth (3Y)(%) -9.10
WVFC's EPS Growth (3Y)(%) is ranked lower than
81% of the 1055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. WVFC: -9.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WVFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.4  Med: 0.90 Max: 42.4
Current: -9.1
-51.4
42.4
» WVFC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 17.50
WVFC's P/E(ttm) is ranked lower than
67% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. WVFC: 17.50 )
Ranked among companies with meaningful P/E(ttm) only.
WVFC' s 10-Year P/E(ttm) Range
Min: 8.94  Med: 14.42 Max: 93.76
Current: 17.5
8.94
93.76
PE(NRI) 17.40
WVFC's PE(NRI) is ranked lower than
67% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. WVFC: 17.40 )
Ranked among companies with meaningful PE(NRI) only.
WVFC' s 10-Year PE(NRI) Range
Min: 8.96  Med: 14.45 Max: 93.76
Current: 17.4
8.96
93.76
P/B 0.71
WVFC's P/B is ranked higher than
79% of the 1359 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. WVFC: 0.71 )
Ranked among companies with meaningful P/B only.
WVFC' s 10-Year P/B Range
Min: 0.48  Med: 0.97 Max: 1.5
Current: 0.71
0.48
1.5
P/S 3.99
WVFC's P/S is ranked lower than
70% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. WVFC: 3.99 )
Ranked among companies with meaningful P/S only.
WVFC' s 10-Year P/S Range
Min: 2.4  Med: 4.37 Max: 7.12
Current: 3.99
2.4
7.12
POCF 278.75
WVFC's POCF is ranked lower than
99% of the 923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. WVFC: 278.75 )
Ranked among companies with meaningful POCF only.
WVFC' s 10-Year POCF Range
Min: 4.62  Med: 10.75 Max: 305.75
Current: 278.75
4.62
305.75
EV-to-EBIT 86.18
WVFC's EV-to-EBIT is ranked lower than
97% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.91 vs. WVFC: 86.18 )
Ranked among companies with meaningful EV-to-EBIT only.
WVFC' s 10-Year EV-to-EBIT Range
Min: 24.4  Med: 66.55 Max: 528.3
Current: 86.18
24.4
528.3
Shiller P/E 20.08
WVFC's Shiller P/E is ranked lower than
63% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.77 vs. WVFC: 20.08 )
Ranked among companies with meaningful Shiller P/E only.
WVFC' s 10-Year Shiller P/E Range
Min: 6.24  Med: 11.39 Max: 21.84
Current: 20.08
6.24
21.84
Days Sales Outstanding 77.38
WVFC's Days Sales Outstanding is ranked lower than
73% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.80 vs. WVFC: 77.38 )
Ranked among companies with meaningful Days Sales Outstanding only.
WVFC' s 10-Year Days Sales Outstanding Range
Min: 46.62  Med: 106.92 Max: 223.3
Current: 77.38
46.62
223.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.43
WVFC's Dividend Yield is ranked lower than
77% of the 2216 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. WVFC: 1.43 )
Ranked among companies with meaningful Dividend Yield only.
WVFC' s 10-Year Dividend Yield Range
Min: 1.3  Med: 3.82 Max: 6.74
Current: 1.43
1.3
6.74
Dividend Payout 0.25
WVFC's Dividend Payout is ranked higher than
65% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. WVFC: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
WVFC' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.41 Max: 5.33
Current: 0.25
0.13
5.33
Dividend growth (3y) -17.00
WVFC's Dividend growth (3y) is ranked lower than
84% of the 664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. WVFC: -17.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
WVFC' s 10-Year Dividend growth (3y) Range
Min: -37  Med: 0.00 Max: 51.8
Current: -17
-37
51.8
Yield on cost (5-Year) 0.27
WVFC's Yield on cost (5-Year) is ranked lower than
97% of the 2229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. WVFC: 0.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WVFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.25  Med: 0.72 Max: 1.28
Current: 0.27
0.25
1.28

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.71
WVFC's Price/Tangible Book is ranked higher than
81% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. WVFC: 0.71 )
Ranked among companies with meaningful Price/Tangible Book only.
WVFC' s 10-Year Price/Tangible Book Range
Min: 0.5  Med: 1.27 Max: 2.11
Current: 0.71
0.5
2.11
Price/Projected FCF 0.55
WVFC's Price/Projected FCF is ranked higher than
65% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. WVFC: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
WVFC' s 10-Year Price/Projected FCF Range
Min: 0.35  Med: 0.63 Max: 1.26
Current: 0.55
0.35
1.26
Price/Median PS Value 0.91
WVFC's Price/Median PS Value is ranked higher than
76% of the 1195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. WVFC: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
WVFC' s 10-Year Price/Median PS Value Range
Min: 0.59  Med: 1.02 Max: 3.75
Current: 0.91
0.59
3.75
Price/Peter Lynch Fair Value 0.83
WVFC's Price/Peter Lynch Fair Value is ranked higher than
59% of the 336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. WVFC: 0.83 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WVFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31  Med: 0.87 Max: 4.67
Current: 0.83
0.31
4.67
Price/Graham Number 0.74
WVFC's Price/Graham Number is ranked higher than
62% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. WVFC: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
WVFC' s 10-Year Price/Graham Number Range
Min: 0.49  Med: 0.84 Max: 1.72
Current: 0.74
0.49
1.72
Earnings Yield (Greenblatt) (%) 1.20
WVFC's Earnings Yield (Greenblatt) (%) is ranked lower than
87% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. WVFC: 1.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WVFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 1.50 Max: 4.1
Current: 1.2
0.2
4.1
Forward Rate of Return (Yacktman) (%) 28.88
WVFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
76% of the 764 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.55 vs. WVFC: 28.88 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WVFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -28.2  Med: -0.10 Max: 30.4
Current: 28.88
-28.2
30.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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.
» 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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