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WVS FinancialWVFC 50 ROE % is 6.45% as of Jun. 2026, which is 35% above its 10-year median of 4.79. 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 1,516 Banks companies, WVS Financial ranks worse than 77.18% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. WVS Financial's annualized net income for the quarter that ended in Jun. 2026 was $2.60 Mil. WVS Financial's average Total Stockholders Equity over the quarter that ended in Jun. 2026 was $40.29 Mil. Therefore, WVS Financial's annualized ROE % for the quarter that ended in Jun. 2026 was 6.45%.
The historical rank and industry rank for WVS Financial's ROE % or its related term are showing as below:
WVFC'
s ROE % Range Over the Past 10 Years
Min: 3.31 Med: 4.79 Max: 7.98
Current: 6.1
During the past 13 years, WVS Financial's highest ROE % was 7.98%. The lowest was 3.31%. And the median was 4.79%.
WVFC's ROE % is ranked worse than 77.18% of 1516
companies
in the Banks industry
Industry Median: 10.5
vs WVFC: 6.10
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
WVS Financial ROE % Related Terms
WVS Financial ROE % Historical Data
* Premium members only.
The historical data trend for WVS Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, WVS Financial's ROE % distribution charts can be found below:
* The bar in red indicates where WVS Financial's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
WVS Financial (WVFC) has a ROE % of 6.45% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on WVS Financial and its competitors. This is 35% above median its historical median of 4.79. Over the past decade, WVS Financial's ROE % has ranged from 3.31 to 7.98. According to the industry distribution chart, WVS Financial ranks #1170 out of 1516 companies in the Banks industry, placing it in the top 77.2%.
Is WVS Financial's ROE % too high?
WVS Financial's current ROE % of 6.45% is 35% above median its 10-year median of 4.79. Over the past 10 years, this metric has ranged from a low of 3.31 to a high of 7.98. The Banks industry median ROE % is 10.50. WVS Financial's value of 6.45% is 38.6% below this industry median. Based on the distribution chart, WVS Financial ranks #1170 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROE % compare to PWBK and AMFC?
According to the Banks industry distribution chart, WVS Financial ranks #1170 out of 1516 companies for ROE %. This places WVS Financial in the lower half of its industry. The industry median ROE % is 10.50. WVS Financial's value of 6.45% is 38.6% below this benchmark. Historically, WVS Financial's own ROE % has ranged from 3.31 to 7.98 over the past decade. While the company's 10-year median is 4.79 vs. the industry median of 10.50, WVS Financial has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.50, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. WVS Financial's current ROE % of 6.45% is 38.6% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on WVS Financial and its competitors. For the Banks industry, the median ROE % is 10.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WVS Financial's current ROE % is 6.45%, which is 35% above median its own 10-year median of 4.79. 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 ROE % is 6.45%, which is 35% above median its 10-year median of 4.79 and 38.6% below the Banks industry median of 10.50. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For WVS Financial (WVFC), the current ROE % is 6.45% 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:
ROE %: 6.45% (35% above median its 10-year median of 4.79)
GF Value™: $16.56 vs. price of $20.50 (23.8% above fair value)
Industry Position: 38.6% below the Banks median (#1170 of 1516)
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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