VWF Bancorp Inc
VWF Bancorp Inc operates as a bank, providing financial services to customers through its banking operations.
Business. VWF Bancorp Inc (VWFB.PK) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income. Specific details regarding its operating segments and geographic presence are not available. The firm is listed on the OTC market under the ticker VWFB.PK.
At a glance
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- Company
- EarningsFY 2026 earnings (expected)2026-08-09 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
VWF Bancorp Inc (VWFB.PK) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income. Specific details regarding its operating segments and geographic presence are not available. The firm is listed on the OTC market under the ticker VWFB.PK.
VWF Bancorp Inc has a total equity of $36.55 million and no long-term debt, resulting in a debt-to-equity ratio of 0.0, indicating a conservative capital structure. The company's liquidity position is assessed as low, with negative operating cash flow of $1.98 million and free cash flow of $0.94 million, suggesting potential challenges in meeting short-term obligations.
The company reported a net loss of $662.75 million, translating to a return on equity of -1.81% and a return on assets of -0.21%, both significantly below the industry median for banks. These metrics indicate poor profitability and asset utilization compared to peers, which may affect long-term sustainability and investor confidence.
VWF Bancorp Inc's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic downturns and regulatory changes affecting the banking sector.
The company's revenue has declined sharply, with a net loss of $662.75 million in the latest period. While no specific growth trajectory is provided, the negative operating and free cash flows suggest a challenging operating environment. Competitors like JPMorgan Chase and Bank of America, which are not detailed in the data, likely maintain stronger financial positions.
Risk factors include low liquidity and the absence of immediate dilution pressures. The company has no disclosed dilution sources, and no recent filings or transcripts indicate significant changes in strategy or operations.
No recent events, such as filings or transcripts, are available to provide additional context on the company's operations or strategic direction.
- VWF Bancorp Inc has a highly conservative capital structure with no long-term debt and a debt-to-equity ratio of 0.0.
- The company is experiencing significant financial distress, with a net loss of $662.75 million and negative returns on equity and assets.
- Revenue is concentrated in a single business segment, increasing operational and regulatory risk.
- Liquidity is low, with negative operating and free cash flows, indicating potential challenges in meeting short-term obligations.
- No immediate dilution pressures are identified, and no recent events provide insight into strategic changes.
Bull / Bear case
Generated · model-assistedTotal assets grew 27.5% year-over-year to $396.9 million, indicating significant balance sheet expansion.
Revenue surged 47.9% year-over-year to $7.8 million, demonstrating strong top-line growth momentum.
The company maintains a zero debt-to-equity ratio, ranking in the top quartile among peers.
Cash conversion of 2.99 exceeds the peer median of 1.13, suggesting superior cash generation efficiency.
Dilution and liquidity risks are assessed as low, providing a stable operational foundation.
Return on equity of -1.81% falls in the bottom quartile, significantly underperforming the peer median.
Equity decreased 4.9% year-over-year to $34.8 million, eroding the capital base despite asset growth.
In focus — financials by report
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- VWF Bancorp Inc Market data — financials · 2026-05-29
Ownership & reference
Leadership
- Gary L. ClayExecutive Chairman of the Board
Insider activity
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Shareholders' equity (YoY) (2024-12-31 vs 2023-12-31): -5.7%Derived (calculated)
- Total liabilities (YoY) (2024-12-31 vs 2023-12-31): 42.2%Derived (calculated)
- Debt-to-equity (FY 2024-12-31): 8.21xDerived (calculated)
- Total assets (YoY) (2024-12-31 vs 2023-12-31): 34.8%Derived (calculated)
- Shares outstanding (annual): 1.91MSEC XBRL filing
- Total assets (annual): USD 329.19MSEC XBRL filing
- Shareholders' equity (annual): USD 35.73MSEC XBRL filing
- Total liabilities (annual): USD 293.46MSEC XBRL filing
- Operating cash flow (YoY) (2024-06-30 vs 2023-06-30): -723.9%Derived (calculated)
- Capex (YoY) (2024-06-30 vs 2023-06-30): 851.1%Derived (calculated)
- Net income (YoY) (2024-06-30 vs 2023-06-30): -270.3%Derived (calculated)
- EPS (basic) (YoY) (2024-06-30 vs 2023-06-30): -267.7%Derived (calculated)
- EPS (diluted) (YoY) (2024-06-30 vs 2023-06-30): -267.7%Derived (calculated)
- EPS (basic) (annual): USD-PER-SHARES -1SEC XBRL filing
- Pre-tax income (annual): USD -2.57MSEC XBRL filing
- Capex (annual): USD 990.36KSEC XBRL filing
- Operating cash flow (annual): USD -1.98MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES -1SEC XBRL filing
- Net income (annual): USD -2.02MSEC XBRL filing
- Total assets (YoY) (2023-12-31 vs 2022-12-31): 66.3%Derived (calculated)
- Total liabilities (YoY) (2023-12-31 vs 2022-12-31): 91.1%Derived (calculated)
- Debt-to-equity (FY 2023-12-31): 5.45xDerived (calculated)
- Shareholders' equity (YoY) (2023-12-31 vs 2022-12-31): -2.6%Derived (calculated)
- Total liabilities (annual): USD 206.35MSEC XBRL filing