VWFB · CIK 0001913838
VWF Bancorp, Inc.
Annual figures as reported, FY2020–FY2024. Ratios and growth rates derived on-page.
Savings Institutions, Not Federally Chartered
Company profile
Net income
−$2.0M
▼ −270.3% vs FY2023
Free cash flow
−$3.0M
▼ −1493.4% vs FY2023
Diluted EPS
−$1.14
▼ −267.7% vs FY2023
Net income
Losses shown in terracotta
Recent quarters
momentum · last 12 quartersNet income — Mar ’25 quarter
−$386K
▲ +37.6% vs Mar ’24
Diluted EPS — trailing 12 months
−$2.24
▼ −135.8% vs Mar ’24
Quarterly net income
Losses shown in terracotta
| Quarter | Revenue | Rev. YoY | Gross margin | Net income | Net margin | Diluted EPS |
|---|---|---|---|---|---|---|
| Mar ’25 | — | — | — | −$386K | — | −$0.22 |
| Dec ’24 | — | — | — | −$2.3M | — | −$1.29 |
| Sep ’24 | — | — | — | −$633K | — | −$0.36 |
| Jun ’24 | — | — | — | −$663K | — | −$0.37 |
| Mar ’24 | — | — | — | −$619K | — | −$0.35 |
| Dec ’23 | — | — | — | −$299K | — | −$0.17 |
| Sep ’23 | — | — | — | −$439K | — | −$0.25 |
| Jun ’23 | — | — | — | −$297K | — | −$0.18 |
Profitability & returns
quality of earningsReturns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Buybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Net debt
Long-term debt less cash — negative means net cash
Key ratios
derived per fiscal year| Fiscal year | ROE | ROA | Debt / equity |
|---|---|---|---|
| FY2024 | −5.5% | −0.6% | 1.70× |
| FY2023 | −1.4% | −0.3% | 0.16× |
| FY2022 | −0.0% | −0.0% | — |
| FY2021 | 1.0% | 0.2% | — |
| FY2020 | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2024 | — | — | — | −$2.0M | −$1.14 | −$2.0M | $990K | $311.3M | $274.7M | $36.5M | $31.6M | $62.0M |
| FY2023 | — | — | — | −$545K | −$0.31 | $317K | $104K | $166.0M | $127.5M | $38.5M | $5.5M | $6.2M |
| FY2022 | — | — | — | −$9K | — | −$538K | $15K | $149.6M | $126.2M | $23.4M | $36.7M | — |
| FY2021 | — | — | — | $258K | — | $290K | $41K | $127.2M | $101.8M | $25.4M | $11.7M | — |
| FY2020 | — | — | — | — | — | — | — | — | — | $25.4M | $23.8M | — |
Latest filings
the most recent regulatory filingsSCHEDULE 13GSEC filing2025-11-14 ↗SCHEDULE 13GSEC filing2025-11-14 ↗3INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES2025-10-14 ↗4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES2025-09-30 ↗4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES2025-09-17 ↗4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES2025-09-03 ↗4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES2025-09-02 ↗4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES2025-08-28 ↗15-12GSEC filing2025-07-15 ↗POS AMPOST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-82025-07-15 ↗
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