VWFB (VWF Bancorp) Scaled Net Operating Assets: -0.26 (As of Mar. 2026)

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VWFB VWF Bancorp Inc VWFB
36 GF Score
Price $15.23
GF Value $29.76
Valuation Significantly Undervalued
! 6 Warning Signs
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What is VWF Bancorp Scaled Net Operating Assets?

VWF Bancorp VWFB 36 Scaled Net Operating Assets is -0.26 as of Mar. 2026. GuruFocus rates VWFB with a GF Score™ of 36/100 and a GF Value™ of $29.76 (Significantly Undervalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

VWF Bancorp's operating assets for the quarter that ended in Mar. 2026 was $220.99 Mil. VWF Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $319.89 Mil. VWF Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $384.85 Mil. Therefore, VWF Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.26.

VWFB
36GF Score
VWF Bancorp Inc VWFB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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VWF Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

VWF Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(388.872-342.303)/311.254
=0.15

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=396.912 - 8.04
=388.872

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=362.138 - 19.835 - 0
=342.303

VWF Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(220.994-319.892)/384.849
=-0.26

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=387.797 - 166.803
=220.994

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=352.595 - 32.703 - 0
=319.892

* 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.

What does a Scaled Net Operating Assets of -0.26 mean?
VWF Bancorp (VWFB) has a Scaled Net Operating Assets of -0.26 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on VWF Bancorp and its competitors.
Is VWF Bancorp's Scaled Net Operating Assets too high?
VWF Bancorp's current Scaled Net Operating Assets is -0.26. Overall, VWF Bancorp has a GF Score™ of 36/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does VWF Bancorp's Scaled Net Operating Assets compare to PFSB and CNBZ?
VWF Bancorp's Scaled Net Operating Assets of -0.26 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on VWF Bancorp and its competitors. VWF Bancorp's current Scaled Net Operating Assets is -0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VWF Bancorp stock overvalued right now?
Based on GuruFocus' analysis, VWF Bancorp (VWFB) is currently considered Significantly Undervalued. The stock's GF Value™ is $29.76, compared to a current price of $15.23 — trading 48.8% below its estimated fair value. The current Scaled Net Operating Assets is -0.26. VWF Bancorp's overall GF Score™ is 36/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For VWF Bancorp (VWFB), the current Scaled Net Operating Assets is -0.26 as of Mar. 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 VWF Bancorp (VWFB) Overvalued in 2026?

Based on GuruFocus' analysis, VWF Bancorp stock appears to be undervalued. The current stock price of $15.23 is trading 48.8% below its estimated GF Value™ of $29.76. GuruFocus considers VWF Bancorp to be Significantly Undervalued.

Key valuation signals for VWFB:

  • Scaled Net Operating Assets: -0.26
  • GF Value™: $29.76 vs. price of $15.23 (48.8% below fair value)
  • GF Score™: 36/100 with 6 warning signs

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

VWF Bancorp Business Description

Address 976 South Shannon Street, Van Wert, OH, USA, 45891
VWF Bancorp Inc operates as a savings and loan holding company for GreenWay Bank. The firm, through its subsidiaries, engages in the business of making residential mortgage loans and accepting deposits.
36GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.23
Price
$29.76
GF Value