Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data VWF Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2022
FY2022
FY2023
FY2024
Selling and marketing
0.04
0.46
Interest expense
0.45
0.32
0.78
Pre-tax income
0.29
-0.04
-0.73
-2.57
Income tax
0.04
-0.03
-0.18
-0.55
Net income
0.26
-0.01
-0.55
-2.02
EPS, basic
-0.31
-1.14
EPS, diluted
-0.31
-1.14
Shares, basic (weighted)
1.77
1.77
Shares, diluted (weighted)
1.77
1.77
Balance sheet
FY2022
FY2022
FY2023
FY2024
Cash and equivalents
11.7
36.7
5.52
31.6
Property, plant and equipment
1.42
1.37
1.41
2.26
Lease right-of-use assets
1.41
Total assets
127
150
166
311
Total liabilities
102
126
127
275
Total debt
6.2
62
Paid-in capital
17.9
18
Retained earnings
25.5
25.5
24.9
22.8
Treasury stock
-0.6
Other comprehensive income
-0.08
-2.09
-2.85
-2.38
Shareholders' equity
25.4
23.4
38.5
36.5
Total equity
25.4
23.4
38.5
36.5
Total liabilities and equity
127
150
166
311
Shares outstanding
1.92
1.91
Cash flow statement
FY2022
FY2022
FY2023
FY2024
Net income
0.26
-0.01
-0.55
-2.02
Depreciation and amortization
0.07
0.06
0.07
0.18
Stock-based compensation
0.17
0.25
Deferred income tax
-0.02
-0.04
-0.18
-0.55
Cash from operations
0.29
-0.54
0.32
-1.98
Capital expenditures
-0.04
-0.01
-0.1
-0.99
Purchases of investments
-24.3
-12.7
-51.7
-115
Sales and maturities of investments
0
9.71
0
2.99
Cash from investing
-19.5
1.17
-48.7
-116
Stock issued
1.01
Share buybacks
-0.6
Cash from financing
7.12
24.4
17.2
144
Net change in cash
-12.1
25.1
-31.2
26.1
Free cash flow
0.25
-0.55
0.21
-2.97
Interest paid
0.45
0.32
0.29
6.01
Income taxes paid
0.11
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to March 31, 2025; growth uses fiscal years. Valuation uses the share price of $14.50 on November 10, 2026.
Profitability
Metric
Value
How it is calculated
Return on equity (ROE)
-11.2%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
-1.1%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Operating cash flow growth, 1y
-723.9%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-1,493.0%
Free cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
-5.1%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
12.9%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
87.5%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
34.7%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-0.2%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.87x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
8.2%
Total debt / total assets.
Liabilities / assets
90.6%
Total liabilities / total assets.
Net debt
$23.6M
Total debt - cash - short-term investments. Negative means more cash than debt.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
-$2.56
Free cash flow / diluted weighted shares.
Operating cash flow per share
-$1.84
Cash from operations / diluted weighted shares.
Book value per share
$18.41
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/B
0.79x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.79x
Market cap / tangible book value, when positive.
FCF yield
-16.3%
Free cash flow / market cap.
Earnings yield
-14.2%
Net income / market cap (the inverse of P/E).
Was VWF Bancorp, Inc. profitable in fiscal 2024?
No. It reported a net loss of $2.0M.
How much free cash flow did VWF Bancorp, Inc. generate in fiscal 2024?
Cash from operations of $2.0M minus capital expenditures of $990.4K left free cash flow of -$3.0M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.