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WVS FinancialWVFC 50 Net Margin % is 34.83% as of Jun. 2026, which is 24% above its 10-year median of 28.10. 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. Among 1,518 Banks companies, WVS Financial ranks better than 70.69% on this metric.
Net margin is calculated as Net Income divided by its Revenue. WVS Financial's Net Income for the
three
months ended in Jun. 2026 was $0.65 Mil. WVS Financial's Revenue for the
three
months ended in Jun. 2026 was $1.87 Mil. Therefore, WVS Financial's net margin for the quarter that ended in Jun. 2026 was 34.83%.
The historical rank and industry rank for WVS Financial's Net Margin % or its related term are showing as below:
WVFC'
s Net Margin % Range Over the Past 10 Years
Min: 23.93 Med: 28.1 Max: 37.31
Current: 33.59
WVFC's Net Margin % is ranked better than 70.69% of 1518
companies
in the Banks industry
Industry Median: 27.32
vs WVFC: 33.59
WVS Financial (OTCPK:WVFC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
WVS Financial Net Margin % Related Terms
WVS Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for WVS Financial's Net Margin % 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.
For the Banks - Regional subindustry, WVS Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, WVS Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where WVS Financial's Net Margin % falls into.
* 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 (WVFC) has a Net Margin % of 34.83% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on WVS Financial and its competitors. This is 24% above median its historical median of 28.10. Over the past decade, WVS Financial's Net Margin % has ranged from 23.93 to 37.31. According to the industry distribution chart, WVS Financial ranks #445 out of 1518 companies in the Banks industry, placing it in the top 29.3%.
Is WVS Financial's Net Margin % too high?
WVS Financial's current Net Margin % of 34.83% is 24% above median its 10-year median of 28.10. Over the past 10 years, this metric has ranged from a low of 23.93 to a high of 37.31. The Banks industry median Net Margin % is 27.32. WVS Financial's value of 34.83% is 27.5% above this industry median. Based on the distribution chart, WVS Financial ranks #445 out of 1518 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PWBK and AMFC?
According to the Banks industry distribution chart, WVS Financial ranks #445 out of 1518 companies for Net Margin %. This puts WVS Financial in the upper half of its industry. The industry median Net Margin % is 27.32. WVS Financial's value of 34.83% is 27.5% above this benchmark. Historically, WVS Financial's own Net Margin % has ranged from 23.93 to 37.31 over the past decade. While the company's 10-year median is 28.10 vs. the industry median of 27.32, WVS Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.32, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. WVS Financial's current Net Margin % of 34.83% is 27.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on WVS Financial and its competitors. For the Banks industry, the median Net Margin % is 27.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WVS Financial's current Net Margin % is 34.83%, which is 24% above median its own 10-year median of 28.10. 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 Net Margin % is 34.83%, which is 24% above median its 10-year median of 28.10 and 27.5% above the Banks industry median of 27.32. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For WVS Financial (WVFC), the current Net Margin % is 34.83% 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:
Net Margin %: 34.83% (24% above median its 10-year median of 28.10)
GF Value™: $16.56 vs. price of $20.50 (23.8% above fair value)
Industry Position: 27.5% above the Banks median (#445 of 1518)
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 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
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