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VWF Bancorp, Inc. (VWFB)
USD15.23
+0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address
976 South Shannon Street 45891
Van Wert, OH, US
Van Wert, OH, US
CEO
Robert Slusser
Website
vanwertfederal.com
IPO
2022-07-14
CIK 1913838 ISIN US9184281031
Description
VWF Bancorp, Inc. acts as the holding entity for Van Wert Federal Savings Bank, a financial institution primarily engaged in generating loans and gathering deposits within Van Wert, Ohio. For its clientele, the bank offers a variety of deposit options, such as interest-bearing and non-interest-bearing checking accounts, savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). The bulk of its lending activity is concentrated in mortgages for single to four-family residential properties. Beyond this, its loan offerings encompass commercial and agricultural real estate financing, construction and land development loans, commercial and industrial loans, home equity lines of credit, and general consumer loans. Established in 1889, the company is headquartered in Van Wert, Ohio.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
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
USD15.23
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.5K
Beta
-0.14
Float Shares
1.25M
Free Float %
71.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +2.21% | +10.46% | +21.08% | +20.27% | +30.66% | +10.89% | +11.32% | +11.32% | +11.32% |
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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To
Revenue composition
From
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By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
15.23
Quality scores
Altman Z-Score
-0.28
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
-
Revenue growth+40.2% Q1'26: +11.2% (vs Q1'25)
-
EPS growth-64.9% Q1'26: +136.4% (vs Q1'25)
-
FCF margin— Q1'26: +4.2% (vs Q1'25)
-
EBIT margin— Q1'26: +3.5% (vs Q1'25)
-
ROIC— Q1'26: -0.6% (vs Q1'25)
-
Share dilution-0.7% Q1'26: +0.8% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 42.95× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
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.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-19 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-18 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 3/5 |
| 2026-05-14 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-13 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-12 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-11 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-06 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-04 | C+ | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-01 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-30 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-28 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-27 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-23 | C+ | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-1.53M
OE per share TTM
-0.87
Owner's Yield
-6.01%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
30.0%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
1
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Employee Stock Ownership Plan Trust | 153.8K | 8.00% | 146.1K | 7.7K | 153.8K | — | EP | Ohio | 2023-02-10 | ↗ |
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
Ratio by transactions
0.00
Bearish
Buys
7
Sells
0
Shares acquired
20.6K
Shares disposed
—
Cash buys
7.00
Cash sales
—
Net activity
+20,600
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025-09-29 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 100 | 11.25 | 1.1K | 45,851 | I | ↗ |
| 2025-09-25 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 500 | 11.33 | 5.7K | 45,751 | I | ↗ |
| 2025-09-16 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 2,000 | 11.26 | 22.5K | 45,251 | I | ↗ |
| 2025-09-02 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 14,000 | 11.22 | 157.1K | 43,251 | I | ↗ |
| 2025-08-28 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 2,000 | 11.25 | 22.5K | 29,251 | I | ↗ |
| 2025-08-27 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 1,100 | 11.20 | 12.3K | 27,251 | I | ↗ |
| 2025-08-26 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 900 | 11.20 | 10.1K | 26,151 | I | ↗ |
| 2025-07-14 | Slusser Robert John | Officer | — | — | Common Stock | 0 | 0.00 | — | 500 | D | ↗ |
| 2025-06-13 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 3,000 | 11.30 | 33.9K | 25,251 | I | ↗ |
| 2025-06-11 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 3,950 | 11.25 | 44.4K | 22,251 | I | ↗ |
| 2025-06-11 | Clay Gary L | Director / Officer | S-Sale | D | Common Stock | 9,400 | 11.25 | 105.8K | 28,000 | I | ↗ |
| 2025-06-05 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 4,000 | 11.00 | 44.0K | 18,301 | I | ↗ |
| 2025-06-05 | Koch Charles F | Director | P-Purchase | A | Common Stock | 1,000 | 10.97 | 11.0K | 5,695 | D | ↗ |
| 2025-06-02 | Quinlan Peter Sebastian | Director | P-Purchase | A | Common Stock | 4,301 | 10.90 | 46.9K | 14,301 | I | ↗ |
| 2025-03-24 | Clay Gary L | Director / Officer | S-Sale | D | Common Stock | 500 | 13.12 | 6.6K | 37,400 | I | ↗ |
| 2025-03-19 | Clay Gary L | Director / Officer | S-Sale | D | Common Stock | 100 | 13.12 | 1.3K | 37,900 | I | ↗ |
| 2024-12-18 | Clay Gary L | Director / Officer | S-Sale | D | Common Stock | 7,894 | 14.53 | 114.7K | 38,000 | I | ↗ |
| 2024-12-10 | Clay Gary L | Director / Officer | S-Sale | D | Common Stock | 106 | 14.98 | 1.6K | 45,894 | I | ↗ |
| 2024-10-02 | Holy Andrew D. | Officer | A-Award | A | Incentive Stock Option (right to buy) | 2,500 | 15.17 | 37.9K | 2,500 | D | ↗ |
| 2024-10-02 | Brackin Richard Wayne | Officer | A-Award | A | Incentive Stock Option (right to buy) | 2,500 | 15.17 | 37.9K | 2,500 | D | ↗ |
| 2024-05-21 | Cahill Michael D | Director / Officer | P-Purchase | A | Common Stock | 500 | 15.25 | 7.6K | 10,000 | — | ↗ |
| 2024-03-15 | Koch Charles F | Director | P-Purchase | A | Common Stock | 350 | 15.75 | 5.5K | 4,695 | — | ↗ |
| 2024-02-29 | Holy Andrew D. | Officer | A-Award | A | Incentive Stock Option (right to buy) | 2,500 | 16.25 | 40.6K | 2,500 | — | ↗ |
| 2024-02-29 | Brackin Richard Wayne | Officer | A-Award | A | Incentive Stock Option (right to buy) | 2,500 | 16.25 | 40.6K | 2,500 | — | ↗ |
| 2024-01-24 | Turnwald Thomas | Director | A-Award | A | Common Stock | 3,845 | 0.00 | — | 103,845 | — | ↗ |
| 2024-01-24 | Koch Charles F | Director | A-Award | A | Common Stock | 3,845 | 0.00 | — | 4,345 | — | ↗ |
| 2024-01-24 | Keysor Michael | Director | A-Award | A | Common Stock | 3,845 | 0.00 | — | 53,845 | — | ↗ |
| 2024-01-24 | Clay Gary L | Director / Officer | A-Award | A | Common Stock | 17,306 | 0.00 | — | 22,306 | — | ↗ |
| 2023-12-14 | Koch Charles F | Director | P-Purchase | A | Common Stock | 500 | 14.25 | 7.1K | 500 | — | ↗ |
| 2023-12-05 | Cahill Michael D | Director / Officer | P-Purchase | A | Common Stock | 7,000 | 13.95 | 97.7K | 9,500 | — | ↗ |
| 2023-07-26 | Holy Andrew D. | Officer | — | D | Common Stock | 0 | 0.00 | — | 100 | — | ↗ |
| 2023-05-03 | Brackin Richard Wayne | Officer | A-Award | A | Common Stock | 100 | 13.50 | 1.4K | 1,000 | — | ↗ |
| 2023-05-02 | Cahill Michael D | Director / Officer | A-Award | A | Common Stock | 700 | 14.36 | 10.1K | 2,500 | — | ↗ |
| 2023-04-17 | Brackin Richard Wayne | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2023-01-01 | Myers Andrea | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2023-01-01 | Cahill Michael D | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2022-12-12 | Bagley Jon | Director | G-Gift | D | Common Stock | 3,000 | 0.00 | — | 47,000 | — | ↗ |
Executive team
Top executives
EBIT / Employee
-98.5K
Shares Outstanding
1.75M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2024 | Michael D. Cahill President and Chief Executive Officer | 192.2K | — | — | — | — | 45.9K | 238.1K | 0.00% | ↗ |
| 2 | 2024 | Richard W. Brackin EVP, Chief Financial Officer | 150.1K | 27.5K | — | 10.2K | — | — | 187.7K | 5.42% | ↗ |
| 3 | 2024 | Andrew D. Holy EVP, Chief Risk Officer | 148.0K | 22.1K | — | 10.2K | — | 2.5K | 182.9K | 5.56% | ↗ |
| 4 | 2023 | Mark K. Schumm Former President and Chief Executive Officer | 170.9K | 16.8K | — | — | — | 274.0K | 461.7K | 0.00% | ↗ |
| 5 | 2023 | Kylee J. Moody Former Chief Financial Officer and Treasurer | 117.4K | 10.0K | — | — | — | 24.4K | 151.8K | 0.00% | ↗ |
| 6 | 2023 | Michael D. Cahill President and Chief Executive Officer | 92.5K | — | — | — | — | 15.2K | 107.7K | 0.00% | ↗ |
| 7 | 2023 | Andrew D. Holy EVP, Chief Risk Officer | 34.5K | — | — | — | — | — | 34.5K | 0.00% | ↗ |
| 8 | 2023 | Richard W. Brackin Chief Financial Officer and Treasurer | 26.0K | — | — | — | — | — | 26.0K | 0.00% | ↗ |
| 9 | 2023 | Richard W. Brackin EVP, Chief Financial Officer | 26.0K | — | — | — | — | — | 26.0K | 0.00% | ↗ |
| 10 | 2022 | Mark K. Schumm Former President and Chief Executive Officer | 187.3K | 12.0K | — | — | — | 26.4K | 225.7K | 0.00% | ↗ |
| 11 | 2022 | Mark K. Schumm President and Chief Executive Officer | 187.3K | 12.0K | — | — | — | 26.4K | 225.7K | 0.00% | ↗ |
| 12 | 2022 | Kylee J. Moody Former Chief Financial Officer and Treasurer | 115.0K | 6.0K | — | — | — | 7.3K | 128.3K | 0.00% | ↗ |
| 13 | 2022 | Kylee J. Moody Chief Financial Officer and Treasurer | 115.0K | 6.0K | — | — | — | 7.3K | 128.3K | 0.00% | ↗ |
| 14 | 2021 | Mark K. Schumm President and Chief Executive Officer | 169.1K | 12.0K | — | — | — | 37.3K | 218.4K | 0.00% | ↗ |
| 15 | 2021 | Kylee J. Moody Chief Financial Officer and Treasurer | 110.8K | 8.0K | — | — | — | 7.2K | 126.0K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Richard W. Brackin | Executive Vice President, Treasurer & Chief Financial Officer | 177.6K | male |
| Gary L. Clay | Executive Chairman of the Board | 158.2K | male |
| Jon A. Bagley | Secretary & Director | 28.4K | male |
| Brian Collentine | Chief Information Officer | — | — |
| Robert Slusser | President & Chief Executive Officer | — | male |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
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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Community Opinion for VWFB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
