VWF Bancorp (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 Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the filing 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.
FY2024 shows a rapidly expanding balance sheet whose financing burden overwhelmed revenue, turning growth into deeper losses and cash outflows.
Interest expense rose762.3% from FY2023 to FY2024 while revenue rose23.3% , revealing that financing costs—not sales growth—drove the deterioration. That mismatch coincided with operating cash flow of-$1.98M and free cash flow of-$2.97M , so the reported loss was accompanied by cash leaving the business.
Assets expanded
Investing cash flow was
Financial Health Signals
We do not publish a peer-relative financial health score for VWF Bancorp Inc, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. 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, the one computable operating efficiency signal (asset turnover improving) does not pass.
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 a net loss of $386K in Q3 2025. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
VWF Bancorp Inc earned -$0.22 per diluted share (EPS) in Q3 2025. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
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. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
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 quarterly ROE was -1.1% in Q3 2025: one quarter's net income over shareholder equity, not annualized. 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 | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing |
|---|---|---|---|---|---|---|---|---|
| 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% |
| 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 | -$84Kn/m | -$687Kn/m | -$175Kn/m | -$167Kn/m | -$172Kn/m | -$87Kn/m | -$124K-567.3% | -$69K-25063.5% |
| Net Income | -$386Kn/m | -$2.3Mn/m | -$633Kn/m | -$663Kn/m | -$619K-787.2% | -$299Kn/m | -$439K-383.5% | -$297K-862.5% |
| EPS (Basic) | -$0.22n/m | -$1.29n/m | -$0.36n/m | -$0.38n/m | -$0.35-800.0% | -$0.17n/m | -$0.25-350.0% | -$0.16 |
| EPS (Diluted) | -$0.22n/m | -$1.29n/m | -$0.36n/m | -$0.38n/m | -$0.35-800.0% | -$0.17n/m | -$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, SG&A 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 | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing |
|---|---|---|---|---|---|---|---|---|
| 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% |
| 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, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, 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 | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$769Kn/m | -$1.1Mn/m | -$424Kn/m | -$977Kn/m | -$155Kn/m | -$604K-336.7% | -$243K-121.5% | -$159Kn/m |
| 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 | -$794Kn/m | -$1.3Mn/m | -$1.1Mn/m | -$1.3Mn/m | -$518Kn/m | -$797K | -$360K | -$188Kn/m |
| Investing Cash Flow | -$51.8Mn/m | $564Kn/m | -$34.0Mn/m | -$27.9Mn/m | -$12.3Mn/m | -$32.4M-7686.8% | -$43.4Mn/m | -$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% | $49.2Mn/m | $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 | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing |
|---|---|---|---|---|---|---|---|---|
| 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 | N/A | 0.89 | 1.70+1.5x | N/A | N/A | N/A | 0.16 |
| Liabilities-to-Equity | 9.58+3.3x | 8.21+2.8x | 7.67+2.9x | 7.52+4.2x | 6.32+3.3x | 5.45+2.7x | 4.72+2.0x | 3.31-2.1x |
| 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.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| VWF Bancorp Inc VWFB | FY2024 | $5.5M | -$2.0M | -36.5% | $28.6M | — |
| PFS Bancorp Inc (MD) PFSB | FY2025 | $6.6M | $1.7M | 25.4% | $31.5M | — |
Where VWF Bancorp Inc Ranks
Frequently Asked Questions
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.
VWF Bancorp Inc (VWFB) revenue grew by 23.3% year-over-year, from $4.5M to $5.5M in fiscal year 2024.
No, VWF Bancorp Inc (VWFB) reported a net loss of $3.9M over the trailing 12 months to March 31, 2025. In fiscal year 2024 it reported a net loss of $2.0M, with a net profit margin of -36.5%.
As of fiscal year 2024, VWF Bancorp Inc (VWFB) had $31.6M in cash and equivalents against $62.0M in long-term debt.
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.
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.
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.
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.
VWF Bancorp Inc (VWFB) had $311.3M in total assets as of fiscal year 2024, including both current and long-term assets.
VWF Bancorp Inc (VWFB) invested $990K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
VWF Bancorp Inc (VWFB) had a debt-to-equity ratio of 1.70 as of fiscal year 2024. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
VWF Bancorp Inc (VWFB) had a liabilities-to-equity ratio of 7.52 as of fiscal year 2024, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
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.
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 $28.6M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
VWF Bancorp Inc (VWFB) trades at 3.9x sales, its market capitalization divided by $7.3M revenue, trailing 12 months to March 31, 2025. The market capitalization is $28.6M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
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.