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WVS Financial Corporation (WVFC) Stock Fundamental Analysis

NASDAQ:WVFC - US9293581099 - Common Stock

14.65
-0.61 (-4%)
Last: 6/10/2022, 8:00:03 PM
14.65
0 (0%)
After Hours: 6/10/2022, 8:00:03 PM
Fundamental Rating

2

Overall WVFC gets a fundamental rating of 2 out of 10. We evaluated WVFC against 0 industry peers in the Thrifts & Mortgage Finance industry. The financial health of WVFC is average, but there are quite some concerns on its profitability. WVFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

WVFC had positive earnings in the past year.
WVFC Yearly Net Income VS EBIT VS OCF VS FCFWVFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 1M 2M 3M 4M

1.2 Ratios

Industry RankSector Rank
ROA 0.33%
ROE 3.19%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
WVFC Yearly ROA, ROE, ROICWVFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6

1.3 Margins

WVFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.08%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
WVFC Yearly Profit, Operating, Gross MarginsWVFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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2. Health

2.1 Basic Checks

WVFC has about the same amout of shares outstanding than it did 1 year ago.
There is no outstanding debt for WVFC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
WVFC Yearly Shares OutstandingWVFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 500K 1M 1.5M
WVFC Yearly Total Debt VS Total AssetsWVFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M

2.2 Solvency

WVFC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
WVFC Yearly LT Debt VS Equity VS FCFWVFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3. Growth

3.1 Past

WVFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.90%.
The Earnings Per Share has been growing slightly by 1.30% on average over the past years.
The Revenue has decreased by -7.96% in the past year.
Measured over the past years, WVFC shows a decrease in Revenue. The Revenue has been decreasing by -2.14% on average per year.
EPS 1Y (TTM)-13.9%
EPS 3Y-13.9%
EPS 5Y1.3%
EPS Q2Q%26.65%
Revenue 1Y (TTM)-7.96%
Revenue growth 3Y-8.71%
Revenue growth 5Y-2.14%
Sales Q2Q%3.13%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
WVFC Yearly Revenue VS EstimatesWVFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2M 4M 6M

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4. Valuation

4.1 Price/Earnings Ratio

WVFC is valuated rather expensively with a Price/Earnings ratio of 21.23.
When comparing the Price/Earnings ratio of WVFC to the average of the S&P500 Index (27.13), we can say WVFC is valued slightly cheaper.
Industry RankSector Rank
PE 21.23
Fwd PE N/A
WVFC Price Earnings VS Forward Price EarningsWVFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
WVFC Per share dataWVFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)16.31
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

WVFC has a Yearly Dividend Yield of 2.69%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.32, WVFC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.69%

5.2 History

The dividend of WVFC is nicely growing with an annual growth rate of 12.62%!
WVFC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.62%
Div Incr YearsN/A
Div Non Decr YearsN/A
WVFC Yearly Dividends per shareWVFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.1 0.2 0.3 0.4

5.3 Sustainability

57.50% of the earnings are spent on dividend by WVFC. This is a bit on the high side, but may be sustainable.
The dividend of WVFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP57.5%
EPS Next 2YN/A
EPS Next 3YN/A
WVFC Yearly Income VS Free CF VS DividendWVFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 1M 2M 3M 4M
WVFC Dividend Payout.WVFC Dividend Payout, showing the Payout Ratio.WVFC Dividend Payout.PayoutRetained Earnings

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WVS Financial Corporation

NASDAQ:WVFC (6/10/2022, 8:00:03 PM)

After market: 14.65 0 (0%)

14.65

-0.61 (-4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)03-01 2022-03-01/amc
Earnings (Next)N/A N/A
Inst Owners5.83%
Inst Owner Change0%
Ins Owners9.74%
Ins Owner Change0%
Market Cap27.51M
Analysts0
Price TargetN/A
Short Float %0.01%
Short Ratio0.07
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend0.4
Dividend Growth(5Y)12.62%
DP57.5%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 21.23
Fwd PE N/A
P/S 5.29
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.69
EY4.71%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.77
BVpS20.05
TBVpSN/A
PEG (NY)N/A
PEG (5Y)16.31
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 3.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.08%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.9%
EPS 3Y-13.9%
EPS 5Y1.3%
EPS Q2Q%26.65%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.96%
Revenue growth 3Y-8.71%
Revenue growth 5Y-2.14%
Sales Q2Q%3.13%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A