WVFC (WVS Financial) Scaled Net Operating Assets: 0.42 (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 Scaled Net Operating Assets?

WVS Financial WVFC 50 Scaled Net Operating Assets is 0.42 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.

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

WVS Financial's operating assets for the quarter that ended in Jun. 2026 was $364.70 Mil. WVS Financial's operating liabilities for the quarter that ended in Jun. 2026 was $208.43 Mil. WVS Financial's Total Assets for the quarter that ended in Mar. 2026 was $369.15 Mil. Therefore, WVS Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.42.

WVFC
50GF Score
WVS Financial Corp WVFC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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WVS Financial 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.

WVS Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2026 )
=(Operating Assets (A: Jun. 2026 )-Operating Liabilities (A: Jun. 2026 ))/Total Assets (A: Jun. 2025 )
=(364.696-208.429)/355.486
=0.44

where

Operating Assets(A: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=370.343 - 5.647
=364.696

Operating Liabilities(A: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=329.768 - 0 - 121.339
=208.429

WVS Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(364.696-208.429)/369.146
=0.42

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=370.343 - 5.647
=364.696

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=329.768 - 0 - 121.339
=208.429

* 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 0.42 mean?
WVS Financial (WVFC) has a Scaled Net Operating Assets of 0.42 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on WVS Financial and its competitors.
Is WVS Financial's Scaled Net Operating Assets too high?
WVS Financial's current Scaled Net Operating Assets is 0.42. 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 Scaled Net Operating Assets compare to PWBK and AMFC?
WVS Financial's Scaled Net Operating Assets of 0.42 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 WVS Financial and its competitors. WVS Financial's current Scaled Net Operating Assets is 0.42. 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 Scaled Net Operating Assets is 0.42. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For WVS Financial (WVFC), the current Scaled Net Operating Assets is 0.42 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:

  • Scaled Net Operating Assets: 0.42
  • 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

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

$20.50
Price
$16.56
GF Value