Vwf Bancorp Financials
This page shows Vwf Bancorp (VWFB) financial statements, including the 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).
Liability-funded balance-sheet expansion is driving more reported revenue, but funding costs are outrunning the business's cash generation.
FY2024's jump in scale came with a much heavier funding bill: revenue was$12.0M while interest expense reached$6.7M , so the bigger platform did not translate into cleaner earnings. Because operating cash flow was-$2.0M even as financing inflow was$144.0M , the expanded asset base appears to have been built mainly with external capital rather than with internally generated cash.
Scale has not improved economics: revenue rose from
Capital structure, not reported revenue, is the key lens here: FY2024 assets were
Financial Health Signals
We are recalculating Vwf Bancorp's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.
Vwf Bancorp passes 3 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, both operating efficiency signals pass.
For every $1 of reported earnings, Vwf Bancorp generates $0.98 in operating cash flow (-$2.0M OCF vs -$2.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
Vwf Bancorp generated $12.0M in revenue in fiscal year 2024. This represents an increase of 137.9% from the prior year.
Vwf Bancorp reported -$2.0M in net income in fiscal year 2024. This represents a decrease of 270.3% from the prior year.
Vwf Bancorp earned $-1.14 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 267.7% from the prior year.
Cash & Balance Sheet
Vwf Bancorp generated -$3.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 1493.4% from the prior year.
Vwf Bancorp held $31.6M in cash against $62.0M in long-term debt as of fiscal year 2024.
Vwf Bancorp had 2M shares outstanding in fiscal year 2024. This represents a decrease of 0.4% from the prior year.
Margins & Returns
Vwf Bancorp's net profit margin was -16.8% in fiscal year 2024, showing the share of revenue converted to profit. This is down 6.0 percentage points from the prior year.
Vwf Bancorp's ROE was -5.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 4.1 percentage points from the prior year.
Capital Allocation
Vwf Bancorp spent $598K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Vwf Bancorp invested $990K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 851.1% from the prior year.
VWFB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.9M+5.1% | $4.6M+11.5% | $4.1M+9.4% | $3.8M+14.3% | $3.3M+16.7% | $2.8M+36.5% | $2.1M+37.1% | $1.5M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $1.2M+1.3% | $1.1M+2.1% | $1.1M+4.5% | $1.1M+14.2% | $933K+18.8% | $785K+9.9% | $715K-15.4% | $844K |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $2.9M+3.8% | $2.8M+9.4% | $2.5M+12.1% | $2.2M+16.4% | $1.9M+24.1% | $1.6M+56.1% | $996K+115.0% | $464K |
| Income Tax | -$84K+87.7% | -$687K-291.9% | -$175K-5.0% | -$167K+3.1% | -$172K-96.9% | -$87K+29.3% | -$124K-78.9% | -$69K |
| Net Income | -$386K+83.0% | -$2.3M-258.2% | -$633K+4.5% | -$663K-7.1% | -$619K-106.7% | -$299K+31.8% | -$439K-47.6% | -$297K |
| EPS (Diluted) | $-0.22+82.9% | $-1.29-258.3% | $-0.36 | N/A | $-0.35-105.9% | $-0.17+32.0% | $-0.25 | N/A |
VWFB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $372.4M+13.1% | $329.2M+3.3% | $318.7M+2.4% | $311.3M+14.7% | $271.3M+11.1% | $244.2M+13.7% | $214.8M+29.4% | $166.0M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $6.9M-56.1% | $15.7M+285.2% | $4.1M-87.1% | $31.6M+54.0% | $20.5M+232.6% | $6.2M-44.0% | $11.0M+99.9% | $5.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $337.2M+14.9% | $293.5M+4.1% | $281.9M+2.6% | $274.7M+17.3% | $234.2M+13.5% | $206.3M+16.4% | $177.3M+39.1% | $127.5M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $30.5M | N/A | $32.7M-47.3% | $62.0M | N/A | N/A | N/A | $6.2M |
| Total Equity | $35.2M-1.5% | $35.7M-2.8% | $36.8M+0.6% | $36.5M-1.3% | $37.0M-2.2% | $37.9M+0.9% | $37.5M-2.5% | $38.5M |
| Retained Earnings | $19.6M-1.9% | $19.9M-10.2% | $22.2M-2.8% | $22.8M-2.8% | $23.5M-2.6% | $24.1M-1.2% | $24.4M-2.0% | $24.9M |
VWFB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$769K+28.4% | -$1.1M-153.7% | -$424K+56.6% | -$977K-528.9% | -$155K+74.3% | -$604K-148.4% | -$243K-52.9% | -$159K |
| Capital Expenditures | $24K-89.5% | $230K-67.6% | $711K+124.0% | $317K-12.6% | $363K+87.7% | $193K+65.8% | $117K+307.7% | $29K |
| Free Cash Flow | -$794K+39.2% | -$1.3M-15.1% | -$1.1M+12.4% | -$1.3M-149.7% | -$518K+35.0% | -$797K-121.6% | -$360K-91.8% | -$188K |
| Investing Cash Flow | -$51.8M-9281.8% | $564K+101.7% | -$34.0M-21.9% | -$27.9M-127.0% | -$12.3M+62.1% | -$32.4M+25.4% | -$43.4M-69.8% | -$25.6M |
| Financing Cash Flow | $43.8M+261.3% | $12.1M+77.3% | $6.8M-82.9% | $39.9M+49.0% | $26.8M-4.8% | $28.1M-42.8% | $49.2M+628.6% | $6.7M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $0 | N/A | N/A | $0 | N/A | N/A | N/A | N/A |
VWFB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -8.0%+41.1pp | -49.1%-33.8pp | -15.3%+2.2pp | -17.5%+1.2pp | -18.7%-8.1pp | -10.5%+10.6pp | -21.1%-1.5pp | -19.6% |
| Return on Equity | -1.1%+5.2pp | -6.3%-4.6pp | -1.7%+0.1pp | -1.8%-0.1pp | -1.7%-0.9pp | -0.8%+0.4pp | -1.2%-0.4pp | -0.8% |
| Return on Assets | -0.1%+0.6pp | -0.7%-0.5pp | -0.2%0.0pp | -0.2%+0.0pp | -0.2%-0.1pp | -0.1%+0.1pp | -0.2%-0.0pp | -0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.87-7.3 | 8.21+7.3 | 0.89-0.8 | 1.70-4.6 | 6.32+0.9 | 5.45+0.7 | 4.72+4.6 | 0.16 |
| FCF Margin | -16.4%+11.9pp | -28.3%-0.9pp | -27.4%+6.8pp | -34.2%-18.5pp | -15.6%+12.4pp | -28.1%-10.8pp | -17.3%-4.9pp | -12.4% |
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Frequently Asked Questions
What is Vwf Bancorp's annual revenue?
Vwf Bancorp (VWFB) reported $12.0M in total revenue for fiscal year 2024. This represents a 137.9% 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's revenue growing?
Vwf Bancorp (VWFB) revenue grew by 137.9% year-over-year, from $5.1M to $12.0M in fiscal year 2024.
Is Vwf Bancorp profitable?
No, Vwf Bancorp (VWFB) reported a net income of -$2.0M in fiscal year 2024, with a net profit margin of -16.8%.
How much debt does Vwf Bancorp have?
As of fiscal year 2024, Vwf Bancorp (VWFB) had $31.6M in cash and equivalents against $62.0M in long-term debt.
What is Vwf Bancorp's net profit margin?
Vwf Bancorp (VWFB) had a net profit margin of -16.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Vwf Bancorp's return on equity (ROE)?
Vwf Bancorp (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's free cash flow?
Vwf Bancorp (VWFB) generated -$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's operating cash flow?
Vwf Bancorp (VWFB) generated -$2.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Vwf Bancorp's total assets?
Vwf Bancorp (VWFB) had $311.3M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Vwf Bancorp's capital expenditures?
Vwf Bancorp (VWFB) invested $990K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
What is Vwf Bancorp's debt-to-equity ratio?
Vwf Bancorp (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's return on assets (ROA)?
Vwf Bancorp (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's cash runway?
Based on fiscal year 2024 data, Vwf Bancorp (VWFB) had $31.6M in cash against an annual operating cash burn of $2.0M. This gives an estimated cash runway of approximately 192 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Vwf Bancorp's Piotroski F-Score?
Vwf Bancorp (VWFB) has a Piotroski F-Score of 3 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's earnings high quality?
Vwf Bancorp (VWFB) has an earnings quality ratio of 0.98x, considered low quality (accrual-driven). 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.