VWF BANCORP INC (VWFB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2025, filed May 13, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the VWFB SEC filings page.
VWF BANCORP INC (VWFB) reported $7.3M in revenue over the twelve months to Mar 31, 2025, up 46.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet expansion is being funded externally while rising interest costs push a growing revenue base deeper into losses.
Between FY2023 and FY2024, total assets nearly doubled while debt-to-equity climbed to 1.7x. With operating cash flow turning to-$2.0M , that expansion was financed by liabilities rather than internal cash generation, changing the balance-sheet posture materially.
Revenue reached
Cash conversion weakened alongside profitability: operating cash flow moved from positive in FY2023 to
Financial Health Signals
VWF BANCORP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
VWF BANCORP INC passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
VWF BANCORP INC reported a net loss of $2.0M while operations used $2.0M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
VWF BANCORP INC generated $2.0M in revenue in Q3 2025. This represents an increase of 40.9% from the same quarter a year earlier. Against the prior quarter it is up 1.7%.
VWF BANCORP INC reported -$386K in net income in Q3 2025. This represents an increase of 37.6% from the same quarter a year earlier. Against the prior quarter it is up 83.0%.
VWF BANCORP INC earned -$0.22 per diluted share (EPS) in Q3 2025. This represents an increase of 37.1% from the same quarter a year earlier. Against the prior quarter it is up 82.9%.
Not reported for Q3 2025.
Cash & Balance Sheet
VWF BANCORP INC recorded an outflow of $794K in free cash flow in Q3 2025, representing a cash shortfall after capex. This represents a decrease of 53.1% from the same quarter a year earlier. Against the prior quarter it is up 39.2%.
VWF BANCORP INC held $6.9M in cash against $30.5M in long-term debt as of Q3 2025.
Not reported for Q3 2025.
Margins & Returns
VWF BANCORP INC's net profit margin was -19.1% in Q3 2025, showing the share of revenue converted to profit. This is up 24.0 percentage points from the same quarter a year earlier.
VWF BANCORP INC's ROE was -1.1% in Q3 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.2 percentage points.
Not reported for Q3 2025.
Not reported for Q3 2025.
Capital Allocation
VWF BANCORP INC repurchased no shares in Q3 2025.
VWF BANCORP INC invested $24K in capex in Q3 2025, funding long-term assets and infrastructure. This represents a decrease of 93.3% from the same quarter a year earlier. Against the prior quarter it is down 89.5%.
Not reported for Q3 2025.
VWFB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.0M+40.9% | $2.0M+48.3% | $1.7M+49.4% | $1.6M+46.9% | $1.4M+20.2% | $1.3M+13.8% | $1.1M+12.1% | $1.1M+34.2% |
| SG&A Expenses | $1.2M+23.3% | $1.1M+44.6% | $1.1M+55.6% | $1.1M+26.1% | $933K+86.3% | $785K+93.0% | $715K+85.4% | $844K+100.1% |
| Interest Expense | $2.9M+48.2% | $2.8M+77.2% | $2.5M+152.8% | $2.2M+384.7% | $1.9M+1101.9% | $1.6M+1730.2% | $996K+1299.1% | $464K+554.1% |
| Income Tax | -$84K+51.0% | -$687K-685.5% | -$175K-41.7% | -$167K-141.3% | -$172K-4905.8% | -$87K+36.0% | -$124K-567.3% | -$69K-25063.5% |
| Net Income | -$386K+37.6% | -$2.3M-657.3% | -$633K-44.2% | -$663K-122.9% | -$619K-787.2% | -$299K+39.3% | -$439K-383.5% | -$297K-862.5% |
| EPS (Basic) | -$0.22+37.1% | -$1.29-658.8% | -$0.36-44.0% | -$0.38-137.5% | -$0.35-800.0% | -$0.17+39.3% | -$0.25-350.0% | -$0.16 |
| EPS (Diluted) | -$0.22+37.1% | -$1.29-658.8% | -$0.36-44.0% | -$0.38-137.5% | -$0.35-800.0% | -$0.17+39.3% | -$0.25-350.0% | -$0.16 |
| Diluted Shares (Avg) | 2M0.0% | 2M-1.0% | 2M-1.2% | N/A | 2M-0.1% | 2M+0.4% | 2M+17.0% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
VWFB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $372.4M+37.3% | $329.2M+34.8% | $318.7M+48.3% | $311.3M+87.5% | $271.3M+69.8% | $244.2M+66.3% | $214.8M+47.3% | $166.0M+11.0% |
| Cash & Equivalents | $6.9M-66.5% | $15.7M+153.9% | $4.1M-63.1% | $31.6M+473.5% | $20.5M-16.1% | $6.2M-66.7% | $11.0M-36.8% | $5.5M-85.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $337.2M+44.0% | $293.5M+42.2% | $281.9M+59.0% | $274.7M+115.5% | $234.2M+94.6% | $206.3M+91.1% | $177.3M+65.9% | $127.5M+1.0% |
| Long-Term Debt | $30.5M | N/A | $32.7M | $62.0M+900.0% | N/A | N/A | N/A | $6.2M |
| Total Equity | $35.2M-5.0% | $35.7M-5.7% | $36.8M-2.0% | $36.5M-5.1% | $37.0M-6.0% | $37.9M-2.6% | $37.5M-3.7% | $38.5M+64.8% |
| Retained Earnings | $19.6M-16.8% | $19.9M-17.3% | $22.2M-9.1% | $22.8M-8.3% | $23.5M-6.8% | $24.1M-4.0% | $24.4M-4.7% | $24.9M-2.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.
VWFB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$769K-395.2% | -$1.1M-78.2% | -$424K-74.4% | -$977K-514.8% | -$155K+82.9% | -$604K-336.7% | -$243K-121.5% | -$159K+34.1% |
| Depreciation & Amortization | $135K+149.9% | $120K+219.4% | $82K+313.9% | $64K+212.6% | $54K+247.8% | $38K+147.0% | $20K+29.8% | $20K+34.8% |
| Stock-Based Compensation | N/A | N/A | $72K+149.3% | N/A | N/A | N/A | $29K | N/A |
| Capital Expenditures | $24K-93.3% | $230K+19.0% | $711K+508.9% | $317K+1008.3% | $363K+663.5% | $193K | $117K | $29K+710.5% |
| Free Cash Flow | -$794K-53.1% | -$1.3M-63.8% | -$1.1M-215.4% | -$1.3M-590.1% | -$518K+45.7% | -$797K | -$360K | -$188K+23.4% |
| Investing Cash Flow | -$51.8M-322.2% | $564K+101.7% | -$34.0M+21.7% | -$27.9M-9.0% | -$12.3M-92.9% | -$32.4M-7686.8% | -$43.4M-151.9% | -$25.6M-1731.2% |
| Financing Cash Flow | $43.8M+63.4% | $12.1M-56.9% | $6.8M-86.1% | $39.9M+491.8% | $26.8M+103.0% | $28.1M+6290.3% | $49.2M+1655.4% | $6.7M-49.2% |
| Share Buybacks | $0 | N/A | N/A | $0 | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
VWFB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -19.1%+24.0pp | -114.1% | -37.6%+1.4pp | -40.8%-13.9pp | -43.1%-50.7pp | -22.3%+19.5pp | -39.0%-54.4pp | -26.9%-31.6pp |
| Return on Equity | -1.1%+0.6pp | -6.3%-5.5pp | -1.7%-0.5pp | -1.8%-1.0pp | -1.7%-1.9pp | -0.8%+0.5pp | -1.2%-1.6pp | -0.8%-0.9pp |
| Return on Assets | -0.1%+0.1pp | -0.7%-0.6pp | -0.2%0.0pp | -0.2%0.0pp | -0.2%-0.3pp | -0.1%+0.2pp | -0.2%-0.3pp | -0.2%-0.2pp |
| Debt-to-Equity | 0.87-5.5x | 8.21+2.8x | 0.89-3.8x | 1.70+1.5x | 6.32+3.3x | 5.45+2.7x | 4.72+2.0x | 0.16-5.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -39.3%-3.1pp | -65.7%-6.2pp | -67.4%-35.5pp | -79.6%-62.7pp | -36.1%+43.9pp | -59.5% | -31.9% | -16.9%+12.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Where VWF BANCORP INC Ranks
Frequently Asked Questions
What is VWF BANCORP INC's annual revenue?
VWF BANCORP INC (VWFB) reported $5.5M in total revenue for fiscal year 2024. This represents a 23.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is VWF BANCORP INC's revenue growing?
VWF BANCORP INC (VWFB) revenue grew by 23.3% year-over-year, from $4.5M to $5.5M in fiscal year 2024.
Is VWF BANCORP INC profitable?
No, VWF BANCORP INC (VWFB) reported a net income of -$2.0M in fiscal year 2024, with a net profit margin of -36.5%.
How much debt does VWF BANCORP INC have?
As of fiscal year 2024, VWF BANCORP INC (VWFB) had $31.6M in cash and equivalents against $62.0M in long-term debt.
What is VWF BANCORP INC's net profit margin?
VWF BANCORP INC (VWFB) had a net profit margin of -36.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is VWF BANCORP INC's return on equity (ROE)?
VWF BANCORP INC (VWFB) has a return on equity of -5.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is VWF BANCORP INC's free cash flow?
VWF BANCORP INC (VWFB) recorded an outflow of $3.0M in free cash flow during fiscal year 2024. This represents a -1493.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is VWF BANCORP INC's operating cash flow?
VWF BANCORP INC (VWFB) recorded an outflow of $2.0M in operating cash flow during fiscal year 2024, representing cash used by core business activities.
What are VWF BANCORP INC's total assets?
VWF BANCORP INC (VWFB) had $311.3M in total assets as of fiscal year 2024, including both current and long-term assets.
What are VWF BANCORP INC's capital expenditures?
VWF BANCORP INC (VWFB) invested $990K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
What is VWF BANCORP INC's debt-to-equity ratio?
VWF BANCORP INC (VWFB) had a debt-to-equity ratio of 1.70 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is VWF BANCORP INC's return on assets (ROA)?
VWF BANCORP INC (VWFB) had a return on assets of -0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is VWF BANCORP INC's P/E ratio?
VWF BANCORP INC (VWFB) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to March 31, 2025). The market capitalization is $28.1M as of Sep 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is VWF BANCORP INC's price-to-sales ratio?
VWF BANCORP INC (VWFB) trades at 3.8x sales, its market capitalization divided by revenue of $7.3M revenue, trailing 12 months to March 31, 2025. The market capitalization is $28.1M as of Sep 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is VWF BANCORP INC's Piotroski F-Score?
VWF BANCORP INC (VWFB) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are VWF BANCORP INC's earnings high quality?
VWF BANCORP INC (VWFB) reported a net loss of $2.0M while operations used $2.0M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.