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Versailles Financial Corporation (VERF) Fair Value & Analysis

Financial Services · US · Market cap $8.6M

Price$27.17
Fair Value$24.12
Upside-11.2%
Quality95/100
Evidence: High Range $18.09 – $30.15

Fair value as of: Jun 26, 2026

Analysis

Versailles Financial Corporation (VERF) currently trades at $27.17, while our model-based Fair Value estimate is $24.12 — implying the stock looks roughly 11.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Versailles Financial Corporation operates as the thrift holding company for Versailles Savings and Loan Company that provides financial products and services in Darke and Shelby counties. Its deposit products include checking accounts, money market accounts, passbook savings accounts, statement savings accounts, time deposit accounts, business accounts, IRAs, and certificates of deposit. The company provides real estate loans, including fixed rate and variable rate, construction/permanent, building lot, and home improvement loans, as well as first time home buyer programs; consumer loans, such as new and used cars and light trucks, motorcycles, watercraft, and recreational vehicles loans; personal loans; and commercial loans. In addition, it offers debit cards; mobile application; and online banking services. Versailles Financial Corporation was founded in 1887 and is based in Versailles, Ohio.

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Frequently asked questions

Is Versailles Financial Corporation (VERF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $24.12 versus a price of $27.17 — about −11% (overvalued). Model-based estimate, not financial advice.
What is the fair value of VERF?
Our 21-model fair value for Versailles Financial Corporation is $24.12 (as of Jun 26, 2026), built from audited fundamentals. The current price is $27.17.
What is the quality score of VERF?
Versailles Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.