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VWF Bancorp Inc. (VWFB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of VWF Bancorp Inc. stock $10.90, price $14.90, that is 26.8% below the price, quality 38 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

VB VWF Bancorp Inc. logo Some data Nov 7, 2026

VWF Bancorp Inc.

VWFB · US
Expensive, weak quality

Our calculation puts a fair price 27% below what the stock costs today.

Expensive Growth (revenue 5y +29.3 %/yr in USD)
Thin margins · 1.7% net margin (TTM)
Some data
Costs 149 times its yearly profit.
Fair value $10.90 · Overvalued
Quality 38/100
Trails peers (2/11)
Narrow moat 16/100
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$16.99 $10.00 Fair Value $10.90 Jul 2022 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

52‑month range $10.00 – $16.99 · fair‑value band $10.33 – $12.01 · the $14.90 price screens above the $10.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

VWF Bancorp, Inc. operates as the holding company for GreenWay Bank, which provides loans and accepts deposits in the United States.

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Its deposit products include interest-bearing deposits, savings accounts, money market deposits, checking accounts, individual retirement accounts, and certificates of deposit.

Its loan portfolio consists primarily of commercial real estate loans, agricultural real estate loans, construction and land loans, commercial and industrial loans, home equity lines of credit, consumer loans, and multifamily loans.

VWF Bancorp, Inc. was founded in 1889 and is headquartered in Van Wert, Ohio.

Stock analysis

VWF Bancorp Inc. (VWFB) currently trades at $14.90, while our model-based Fair Value estimate is $10.90, 27% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $13.38 per share, and 1 of the 4 models we run sit above the $14.90 price.

Bear case: the Economic Profit group reads lowest at $10.90, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $10.33 (bear) to $12.01 (bull), the price of $14.90 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

VWF Bancorp Inc. reported revenue of $10.4M in FY2026 versus $2.8M in FY2022, a compound +38.7%/yr. Reported net income was $172K in FY2026, compounding −7.8%/yr from FY2021.

Key figures

Market cap $28.6M Micro · P/E ratio 149.0 · P/S ratio 2.85 · EPS (TTM) $0.1000 · Net margin 1.7% · Return on equity 0.5% · Return on assets 0.0% · Operating margin −12.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 16 out of 100 (medium confidence).

What moves the price

The share trades about 3% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −27%, VWFB screens cheaper than that median.

Fair Value models

Bear $10.33 Fair Value $10.90 Bull $12.01
Price $14.90 · Downside -26.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.0362 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.33 $10.90 $12.01 71
P/E Multiple $0.8700 $1.16 $1.46 63
P/B Multiple $19.19 $25.59 $31.98 55
All 4 models by family
Multiples
P/E Multiple $0.8700 $1.16 $1.46 63
P/B Multiple $19.19 $25.59 $31.98 55
Asset-Based
NCAV (Graham) $9.14 $12.25 $18.28 54
Economic Profit
Residual Income $10.33 $10.90 $12.01 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 38/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 14
How much profit the company makes from its sales and capital
Quality Growth 70
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 12
Debt, balance sheet and risk of trouble
Investment 43
Does it invest with discipline instead of growing at any price?
Low Volatility 94
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 76
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+77.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.3%
Start year 2021 (pandemic)
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−7.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.8%
Dividend (yield on the price)0.0%

VWFB screens overvalued: fair value 27% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −26.8% · Below median
Profitability
Return on equity (12 months) 0.5% · Bottom 25%
Return on assets 0.0% · Bottom 25%
Net margin (12 months) 1.7% · Bottom 25%
Operating margin (12 months) −12.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 8.5% · Below median
Balance sheet
Debt / equity 0.87× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 149.0× · Priciest 25%
P/B 0.82× · Cheapest 25%
P/S (12 months) 2.85× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)43 · sector 47
PAST (return on equity)2 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs VWFB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs VWFB
BNP Paribas SA BNP €91.93 €106.01 +15% vs VWFB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs VWFB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs VWFB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs VWFB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs VWFB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs VWFB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs VWFB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs VWFB

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VWF Bancorp Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "VWF Bancorp Inc. Fair Value". https://www.fairvalue-calculator.com/stock/VWFB

Frequently asked questions

Is VWF Bancorp Inc. (VWFB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $10.90 versus a price of $14.90, about 27% lower (overvalued).
What is the fair value of VWFB?
Our model-based fair value for VWF Bancorp Inc. is $10.90 (as of Nov 7, 2026), built from audited fundamentals. The current price: $14.90.
What is the quality score of VWFB?
VWF Bancorp Inc. has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for VWF Bancorp Inc. (VWFB)?
Our model-based price target is the fair value of $10.90 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario $10.33, optimistic scenario $12.01. It is a calculation from audited fundamentals, not an analyst target.
What is the VWF Bancorp Inc. stock forecast for 2026?
Our models put fair value at $10.90, about 27% lower versus a price of $14.90 (overvalued). Cautious scenario $10.33, optimistic scenario $12.01. The calculation is refreshed regularly with new filings.
What is the revenue of VWF Bancorp Inc. (VWFB)?
VWF Bancorp Inc. reported trailing-twelve-month revenue of about $10.0M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of VWF Bancorp Inc. (VWFB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For VWF Bancorp Inc. it is $10.90 per share (as of Nov 7, 2026), against a price of $14.90. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is VWF Bancorp Inc. stock overvalued or undervalued in 2026?
As of Nov 7, 2026, VWFB trades above its calculated fair value: price $14.90, fair value $10.90, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of VWFB?
No. The price is what the market pays today ($14.90); the fair value is what the company's own numbers justify ($10.90). For VWF Bancorp Inc. the two are $4.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is VWF Bancorp Inc. worth?
The market values VWF Bancorp Inc. at about $28.6M (market capitalisation, as of Nov 7, 2026). Per share that is $14.90; our models calculate a fair value of $10.90 per share.
What do the bullish and bearish scenarios say about VWFB?
Our models span a range for VWF Bancorp Inc.: cautious scenario $10.33, base $10.90, optimistic $12.01 per share (as of Nov 7, 2026, price $14.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VWFB?
VWF Bancorp Inc. trades at a price-to-earnings ratio of 149.0 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.90 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.8.
How solid is the balance sheet of VWF Bancorp Inc. (VWFB)?
Balance-sheet figures for VWF Bancorp Inc. (as of Nov 7, 2026): return on equity 0.5%, debt of 0.87 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is VWFB from its 52-week high?
VWF Bancorp Inc. trades at $14.90, about 3% below its 52-week high of $15.39 and 31% above the low of $11.37 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $10.90 is for.
Which stocks are comparable to VWF Bancorp Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is VWF Bancorp Inc. stock attractive at the current price?
The data as of Nov 7, 2026: price $14.90, calculated fair value $10.90 (−27%), Quality Score 38/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of VWFB calculated?
We run VWF Bancorp Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $10.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. VWF Bancorp Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of VWF Bancorp Inc. (VWFB)?
The closing price on Nov 6, 2026 was $14.90. Our model-based fair value is $10.90, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with VWF Bancorp Inc. right now?
The price sits above even our optimistic bull case ($12.01). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of VWF Bancorp Inc.

How large is the market capitalisation of VWF Bancorp Inc. (VWFB)?
The market capitalisation of VWF Bancorp Inc. is $28.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of VWF Bancorp Inc. (VWFB)?
The price-to-sales ratio of VWF Bancorp Inc. is 2.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of VWF Bancorp Inc. (VWFB)?
Earnings per share at VWF Bancorp Inc. are $0.1000 (price ÷ EPS = P/E 149.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of VWF Bancorp Inc. (VWFB)?
The net margin of VWF Bancorp Inc. is 1.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of VWF Bancorp Inc. (VWFB)?
The return on equity (ROE) of VWF Bancorp Inc. is 0.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of VWF Bancorp Inc. (VWFB)?
The return on assets (ROA) of VWF Bancorp Inc. is 0.0% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of VWF Bancorp Inc. (VWFB)?
The operating margin of VWF Bancorp Inc. is −12.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at VWF Bancorp Inc. (VWFB)?
Revenue at VWF Bancorp Inc. is growing +8.5% versus a year earlier (3y avg +32.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does VWF Bancorp Inc. (VWFB) generate?
The free cash flow of VWF Bancorp Inc. is −$3.0M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does VWF Bancorp Inc. (VWFB) carry?
The net debt of VWF Bancorp Inc. is $16.2M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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