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Versailles Financial Corporation (VERF)

USD27.17 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 10413 Kley Road 45380
Versailles, OH, US
CEO Jerome F. Bey
IPO 2016-01-04
ISIN US9251381094

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Description

Versailles Financial Corporation serves as the parent holding company for Versailles Savings and Loan Company, a financial institution primarily focused on delivering a range of banking products and services to customers across Darke and Shelby counties. Its comprehensive suite of deposit offerings features checking, money market, passbook savings, and statement savings accounts, alongside time deposits, business accounts, IRAs, and certificates of deposit. The corporation extends a variety of lending solutions. These include diverse real estate loans like fixed and variable-rate mortgages, construction/permanent financing, home improvement loans, and building lot loans, in addition to specialized first-time home buyer programs. For individuals, it provides consumer and personal loans covering new and used vehicles (cars, light trucks, motorcycles, watercraft, and recreational vehicles). Commercial lending options are also available. Further enhancing customer convenience, the company issues debit cards and offers robust online banking services. With roots tracing back to its founding in 1887, Versailles Financial Corporation is headquartered in Versailles, Ohio.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD27.17 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
14
Beta
0.16
Float Shares
278.4K
Free Float %
65.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -0.75% -0.75% -0.40% +0.60% +19.76% +19.76% +18.35% +47.94% +39.80%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

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Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
27.17
DCF (Unlevered) 71.44 +162.9%
DCF (Levered) 83.37 +206.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.45
Distress
Piotroski F-Score
4 / 9
Average
Operational MOAT
  • Revenue growth
    +6.9% Q1'26: +46.4% (vs Q1'25)
  • EPS growth
    +211.1% Q1'26: +23.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +26.2% (vs Q1'25)
  • ROIC
    Q1'26: +6.3% (vs Q1'25)
  • Share dilution
    -0.1% Q1'26: -9.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 100% × Ke + 0% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 71.44 Current price: 27.17
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-04-30 C+ 2/5 1/5 2/5 3/5 1/5 2/5 4/5
2026-04-29 C+ 2/5 1/5 2/5 3/5 1/5 2/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
23.5K
OE per share TTM
0.07
Owner's Yield
0.29%
Maintenance CapEx ratio
22.75%
Maint CapEx / Avg PPE
52.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
93.1K
Shares Outstanding
428.0K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Cheryl Gehret Vice President, Chief Financial Officer & Corporate Secretary female
Jerome F. Bey President, Chief Executive Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits