VWF Bancorp Inc. (VWFB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of VWF Bancorp Inc. $10.90, price $14.65, upside -25.6%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
50‑month range $10.00 – $16.99 · the $14.65 price screens above the $10.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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VWF Bancorp, Inc. operates as the holding company for GreenWay Bank, which provides loans and accepts deposits in the United States. Its deposit products include interest-bearing deposits, savings accounts, money market deposits, checking accounts, individual retirement accounts, and certificates of deposit.
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VWF Bancorp, Inc. operates as the holding company for GreenWay Bank, which provides loans and accepts deposits in the United States. 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 $14.65, while our model-based Fair Value estimate is $10.90, implying the stock looks roughly 34.4% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $12.25 per share, and 0 of the 4 models we run sit above the $14.65 price.
Bear case: the Multiples group reads lowest at $1.16, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 40/100 (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 $28.1M · P/E ratio 146.5 · P/S ratio 2.43 · 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 28 out of 100 (medium confidence).
What moves the price
The share trades about 5% 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 −38% fair-value upside, at −26%, VWFB screens cheaper than that median.
Fair Value models
Bear $10.90Fair Value $10.90Bull $10.90
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 3 months old). Earnings retained since then ($0.0236 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.Evidence ⓘEvidence = 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.
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)
’21
’22
’23
’24
’25
’26
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.
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−26% · Below median
Profitability
Return on equity (TTM)0% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)2% · Bottom 25%
Operating margin (TTM)−12% · Bottom 25%
Growth and dividend
Revenue growth9% · Below median
Balance sheet
Debt / equity0.87× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)146.5× · Priciest 25%
P/B0.80× · Cheapest 25%
P/S (TTM)2.80× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)43· sector 45
PAST (return on equity)2· sector 41
HEALTH (low debt)57· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 23, 2026, our model estimates a fair value of $10.90 versus a price of $14.65, about −26% upside (overvalued).
What is the fair value of VWFB?
Our model-based fair value for VWF Bancorp Inc. is $10.90 (as of Sep 23, 2026), built from audited fundamentals. The current price: $14.65.
What is the quality score of VWFB?
VWF Bancorp Inc. has a Quality Score of 40/100. 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 Sep 23, 2026) from 4 valuation models. 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 −26% upside versus a price of $14.65 (overvalued). 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 Sep 23, 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 Sep 23, 2026), against a price of $14.65. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is VWF Bancorp Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, VWFB trades above its calculated fair value: price $14.65, fair value $10.90, a gap of about −26% (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 ($14.65); the fair value is what the company's own numbers justify ($10.90). For VWF Bancorp Inc. the two are $3.75 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 $28.1M (market capitalisation, as of Sep 23, 2026). Per share that is $14.65; our models calculate a fair value of $10.90 per share.
What is the P/E ratio of VWFB?
VWF Bancorp Inc. trades at a price-to-earnings ratio of 146.5 (as of Sep 23, 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 Sep 23, 2026): return on equity 0.5%, debt of 0.87 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is VWFB from its 52-week high?
VWF Bancorp Inc. trades at $14.65, about 5% below its 52-week high of $15.39 and 31% above the low of $11.22 (as of Sep 23, 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 DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $14.65, calculated fair value $10.90 (−26%), Quality Score 40/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $10.90, 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 13.2 % 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 Sep 23, 2026 was $14.65. Our model-based fair value is $10.90, about −26% upside (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 ($10.90). The favourable scenario is already priced in. Weak quality (40/100) 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 $28.1M. 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 2.43 (P/E × margin). 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 146.5). 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% (fiscal year 2026). 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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Sep 23, 2026