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STOCK COMPARISON

DBS Group Holdings vs VWF Bancorp: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and VWF Bancorp (VWFB) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees VWF Bancorp as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.48 (-48%), while VWF Bancorp trades at $14.65 versus $10.90 (-26%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.48
Fair ValueS$40.48
Quality65/100
VWF Bancorp
VWFB · USD · Financials
-26%
upside to fair value
overvalued
Price$14.65
Fair Value$10.90
Quality38/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

DBS Group HoldingsVWF Bancorp
Valuation
20.2×P/E (TTM)146.5×
7.73×P/S (TTM)2.80×
2.50×P/B0.80×
3.44×PEGn/a
−47.8%Fair value upside−25.6%
3.7%Dividend yieldn/a
S$2.85Dividend per sharen/a
Profitability
60%Operating margin-12%
0.99×EBIT margin trend (5Y)n/a
16%Return on equity0%
1%Return on assets0%
Growth
3%Revenue growth (YoY)9%
11.6%Avg. growth/yr (3Y)32.2%
9.4%Avg. growth/yr (5Y)29.3%
+12.7%Value creation/yr−7.8%
Balance & size
0.6×Interest coverage (EBIT/interest)n/a
0.69×Debt / equity0.87×
$172BMarket cap$28M
healthyGrowth qualityexpensive

DBS Group Holdings leads: 6 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

DBS Group Holdingsof which business quality 61 · market factors 93 VWF Bancorpof which business quality 37 · market factors 71
ProfitabilityMargins and returns on capital today
38
14
Quality GrowthAre margins and returns improving?
54
70
CashflowEarnings quality: real cash, not paper profit
84
33
Fin. StrengthBalance sheet, leverage, solvency risk
56
12
InvestmentDisciplined investing over empire-building
78
43
Low VolatilityCalm price path (market factor)
100
94
MomentumPrice trend over the last 3–12 months (market factor)
86
52
52W MomentumDistance to the 52-week high (market factor)
98
76
Net IssuanceShare count: buybacks or dilution?
65
81

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyDBS Group HoldingsPrice S$77.48VWF BancorpPrice $14.65
Dividend Discount-35%below the priceS$50.54n/a
Multiples-46%below the priceS$42.04-91%below the price$1.34
Asset-Based-79%below the priceS$16.26-16%below the price$12.25
Economic Profit-60%below the priceS$31.26-25%below the price$11.01
Minimum-79%below the priceS$16.26-91%below the price$1.34
Maximum-35%below the priceS$50.54-16%below the price$12.25
Median-53%below the priceS$36.65-25%below the price$11.01
Geometric mean-58%below the priceS$32.24-61%below the price$5.65

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

VWF Bancorp: 4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

DBS Group Holdings
Price S$77.48
Fair Value S$40.48
Bear S$29.38Bull S$50.60

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside-48% · bottom 25%

VWF Bancorp · Financials

Quality score38 · bottom 25%
Fair value upside-26% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees VWF Bancorp as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.48 (-48%), while VWF Bancorp trades at $14.65 versus $10.90 (-26%).

DBS Group Holdings has the higher quality score (65/100).

Open VWF Bancorp live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.