WVFC (WVS Financial) Cyclically Adjusted Book per Share: $27.71 (As of Jun. 2026)

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WVFC WVS Financial Corp WVFC
50 GF Score
Price $20.50
GF Value $16.56
Valuation Modestly Overvalued
! 6 Warning Signs
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What is WVS Financial Cyclically Adjusted Book per Share?

WVS Financial WVFC 50 Cyclically Adjusted Book per Share is $27.71 as of Jun. 2026. GuruFocus rates WVFC with a GF Score™ of 50/100 and a GF Value™ of $16.56 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

WVS Financial's adjusted book value per share for the three months ended in Jun. 2026 was $26.211. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $27.71 for the trailing ten years ended in Jun. 2026.

During the past 12 months, WVS Financial's average Cyclically Adjusted Book Growth Rate was 2.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 3.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.20% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 5.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of WVS Financial was 7.40% per year. The lowest was 3.00% per year. And the median was 3.90% per year.

As of today (2026-09-10), WVS Financial's current stock price is $20.50. WVS Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $27.71. WVS Financial's Cyclically Adjusted PB Ratio of today is 0.74.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of WVS Financial was 0.93. The lowest was 0.45. And the median was 0.69.


WVS Financial  (OTCPK:WVFC) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

WVS Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.50/27.71
=0.74

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of WVS Financial was 0.93. The lowest was 0.45. And the median was 0.69.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


WVS Financial Cyclically Adjusted Book per Share Related Terms


WVS Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for WVS Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

WVS Financial Cyclically Adjusted Book per Share Chart

WVS Financial Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.47 25.37 26.37 26.95 27.71

WVS Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26.95 27.06 26.97 27.44 27.71

WVFC vs PWBK, AMFC, JFWV: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, WVS Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


WVS Financial Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, WVS Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where WVS Financial's Cyclically Adjusted PB Ratio falls into.


WVFC
50GF Score
WVS Financial Corp WVFC
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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WVS Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, WVS Financial's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=26.211/333.9520*333.9520
=26.211

Current CPI (Jun. 2026) = 333.9520.

WVS Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 19.800 241.018 27.435
201609 20.129 241.428 27.843
201612 20.320 241.432 28.107
201703 20.545 243.801 28.142
201706 19.810 244.955 27.007
201709 20.111 246.819 27.211
201712 20.303 246.524 27.503
201803 20.486 249.554 27.414
201806 20.780 251.989 27.539
201809 21.226 252.439 28.080
201812 20.712 251.233 27.531
201903 21.896 254.202 28.765
201906 22.170 256.143 28.905
201909 22.630 256.759 29.434
201912 23.170 256.974 30.111
202003 20.145 258.115 26.064
202006 23.114 257.797 29.942
202009 23.816 260.280 30.557
202012 24.122 260.474 30.927
202103 24.172 264.877 30.476
202106 24.099 271.696 29.621
202109 24.119 274.310 29.363
202112 23.994 278.802 28.740
202203 23.641 287.504 27.460
202206 23.413 296.311 26.387
202212 0.000 296.797 0.000
202303 0.000 301.836 0.000
202306 25.206 305.109 27.589
202309 0.000 307.789 0.000
202312 25.536 306.746 27.801
202403 26.361 312.332 28.186
202406 26.236 314.175 27.888
202409 26.464 315.301 28.029
202412 23.015 315.605 24.353
202503 23.130 319.799 24.154
202506 23.224 322.561 24.044
202509 23.481 324.800 24.143
202512 25.444 324.054 26.221
202603 25.859 330.213 26.152
202606 26.211 333.952 26.211

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $27.71 mean?
WVS Financial (WVFC) has a Cyclically Adjusted Book per Share of $27.71 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on WVS Financial and its competitors.
Is WVS Financial's Cyclically Adjusted Book per Share too high?
WVS Financial's current Cyclically Adjusted Book per Share is $27.71. Overall, WVS Financial has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WVS Financial's Cyclically Adjusted Book per Share compare to PWBK and AMFC?
WVS Financial's Cyclically Adjusted Book per Share of $27.71 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on WVS Financial and its competitors. WVS Financial's current Cyclically Adjusted Book per Share is $27.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WVS Financial stock overvalued right now?
Based on GuruFocus' analysis, WVS Financial (WVFC) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.56, compared to a current price of $20.50 — trading 23.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $27.71. WVS Financial's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For WVS Financial (WVFC), the current Cyclically Adjusted Book per Share is $27.71 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is WVS Financial (WVFC) Overvalued in 2026?

Based on GuruFocus' analysis, WVS Financial stock appears to be overvalued. The current stock price of $20.50 is trading 23.8% above its estimated GF Value™ of $16.56. GuruFocus considers WVS Financial to be Modestly Overvalued.

Key valuation signals for WVFC:

  • Cyclically Adjusted Book per Share: $27.71
  • GF Value™: $16.56 vs. price of $20.50 (23.8% above fair value)
  • GF Score™: 50/100 with 6 warning signs

No single metric tells the full story. See the WVFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


WVS Financial Business Description

Address 9001 Perry Highway, Pittsburgh, PA, USA, 15237
WVS Financial Corp chartered unitary bank holding company. Through its banking subsidiary, it provides various banking products and services to residents and businesses. The principal categories of loans in its portfolio are single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, and commercial loans, among others. The group also offers various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, etc., and other banking products and serivces such as online banking, credit cards, safe deposit boxes, debit cards, etc.
50GF Score

Get the complete analysis for WVFC

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.50
Price
$16.56
GF Value