The Victory Bancorp, Inc.

VTYB US

VTYB USThe Victory Bancorp, Inc.

United States Composite

10.00

USD

+0.01

(+0.10%)

1.04EPS Dil.

9.62P/E

20.00MMarket Cap

The Victory Bancorp, Inc.

VTYB:US

(United States Composite)

Recent

price

10.00

P/E

ratio

9.62

div

yld

- -

ROIC.AI

Legends:

Stock price

Beta (1.0 Market)

% total return 06/18

Stock

S&P500

2014	2015	2016	2017	2018	2019	2019	2020	2020	2021	2022	2023	TTM
3.43	3.55	3.96	5.43	5.13	- -	5.71	- -	6.46	7.85	8.01	7.06	6.94	Revenue per Share
0.2	0.41	0.38	0.75	0.97	- -	1.09	- -	1.17	2.03	1.88	1.09	1.04	Basic EPS, GAAP
0.78	0.58	0.46	1.62	1.13	- -	1.37	- -	-0.14	3.5	-7.66	11.22	- -	Free Cash Flow per Basic Share
0.11	0.11	0.09	0.08	0.08	- -	0.1	- -	0.2	0.3	0.35	0.26	- -	Dividend per Share
-1	-0.59	0.01	0.9	1.79	- -	2.78	- -	3.75	5.48	6.96	7.79	7.84	Book Value per Share
3.75	4.15	6.19	8.14	9.04	- -	10.14	- -	11.29	12.92	13.29	14.18	14.18	Tangible Book Value per Share
2	2	2	2	2	- -	2	- -	2	2	2	2	2	Basic Weighted Avg Shares
7	7	8	9	10	3	11	- -	13	15	16	14	14	Sales/Revenue/Turnover
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Operating Margin (%)
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Depreciation Expense
1	1	1	1	2	1	2	- -	2	4	4	2	2	Net Income, GAAP
42.55	24.16	35.14	39.67	22	20.5	22.51	- -	21.88	17.67	20.68	21.52	17.82	Effective Tax Rate (%)
9.05	14.63	11.93	14.73	18.99	19.13	19.11	- -	18.07	25.82	23.47	15.38	14.93	Profit Margin (%)
3	4	6	9	13	- -	18	- -	125	126	67	- -	- -	Working Capital
13	24	31	15	7	10	11	18	28	23	17	49	39	LT Debt
13	11	15	16	18	18	20	20	22	25	26	28	28	Total Equity
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Return on Invested Capital (%)
- -	0.32	-0.41	0.77	-1.35	3.79	-4.46	- -	-1.48	5.58	2.44	-13.99	-15.66	Return on Capital (%)
- -	- -	- -	144.23	72.38	13.53	45.34	- -	35.47	43.9	30.28	14.73	14.17	Return on Common Equity (%)

Capital Structure

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in mil. unless spec.

Working Capital

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in mil. unless spec.

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	- -	- -	-11.59%
Net Income, GAAP	- -	- -	-42.04%
Free Cash Flow	- -	- -	-246.84%
Total Cash Common Dividend	- -	- -	-24.59%
Total Equity	10.46%	7.26%	6.68%

Growth Rates

•

in mil. unless spec.

Quarterly Revenue

•

in mil. unless spec.

Quarterly Earnings Per Share

•

in mil. unless spec.

Quarterly Dividends Per Share

•

in mil. unless spec.

Business: The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking products and services for small and middle market commercial and retail customers in Montgomery County, Pennsylvania. The company offers checking accounts, savings and money market accounts, escrow management and interest on lawyer trust accounts, demand deposits, investment certificates, and certificates of deposit (CD); CD account registry and insured cash sweep services; secured and unsecured personal term loans and lines of credit; home mortgages; home equity lines of credit; and revolving credit, small business, and automobile loans. It also provides commercial term loans, commercial lines of credit, commercial mortgage/real estate loans, and construction loans; and government banking, remote deposit, mobile banking, online banking and bill pay, cash management, merchant services, e-statement, and lock box services, as well as cards. The company was founded in 2008 and is headquartered in Limerick, Pennsylvania.

Company News

seekingalpha
21 days ago
Victory Bancorp declares $0.065 dividend
GuruFocus.com
21 days ago
Victory Bancorp, Inc. Declares Quarterly Dividend
benzinga
21 days ago
Victory Bancorp, Inc. Declares Quarterly Dividend
GuruFocus.com
a month ago
The Victory Bancorp, Inc., Announces 2024 First Quarter Earnings
GuruFocus.com
2 months ago
The Victory Bancorp Welcomes Kenneth Lawrence to its Board of Directors
GuruFocus.com
2 months ago
The Victory Bancorp Welcomes Laurie E. Tolle to its Board of Directors

2014	2015	2016	2017	2018	2019	2019	2020	2020	2021	2022	2023	TTM
3.43	3.55	3.96	5.43	5.13	- -	5.71	- -	6.46	7.85	8.01	7.06	6.94	Revenue per Share
0.2	0.41	0.38	0.75	0.97	- -	1.09	- -	1.17	2.03	1.88	1.09	1.04	Basic EPS, GAAP
0.78	0.58	0.46	1.62	1.13	- -	1.37	- -	-0.14	3.5	-7.66	11.22	- -	Free Cash Flow per Basic Share
0.11	0.11	0.09	0.08	0.08	- -	0.1	- -	0.2	0.3	0.35	0.26	- -	Dividend per Share
-1	-0.59	0.01	0.9	1.79	- -	2.78	- -	3.75	5.48	6.96	7.79	7.84	Book Value per Share
3.75	4.15	6.19	8.14	9.04	- -	10.14	- -	11.29	12.92	13.29	14.18	14.18	Tangible Book Value per Share
2	2	2	2	2	- -	2	- -	2	2	2	2	2	Basic Weighted Avg Shares
7	7	8	9	10	3	11	- -	13	15	16	14	14	Sales/Revenue/Turnover
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Operating Margin (%)
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Depreciation Expense
1	1	1	1	2	1	2	- -	2	4	4	2	2	Net Income, GAAP
42.55	24.16	35.14	39.67	22	20.5	22.51	- -	21.88	17.67	20.68	21.52	17.82	Effective Tax Rate (%)
9.05	14.63	11.93	14.73	18.99	19.13	19.11	- -	18.07	25.82	23.47	15.38	14.93	Profit Margin (%)
3	4	6	9	13	- -	18	- -	125	126	67	- -	- -	Working Capital
13	24	31	15	7	10	11	18	28	23	17	49	39	LT Debt
13	11	15	16	18	18	20	20	22	25	26	28	28	Total Equity
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Return on Invested Capital (%)
- -	0.32	-0.41	0.77	-1.35	3.79	-4.46	- -	-1.48	5.58	2.44	-13.99	-15.66	Return on Capital (%)
- -	- -	- -	144.23	72.38	13.53	45.34	- -	35.47	43.9	30.28	14.73	14.17	Return on Common Equity (%)

Year	Q1	Q2	Q3	Q4	FY
2022	0.47	0.51	0.58	0.31	1.88
2023	- -	- -	0.34	0.28	1.09
2024	0.12	- -	- -	- -	- -

	Mar'23	Sep'23	Mar'24
Total Current Assets	23	6	- -
Accounts Receivable, Net	1	1	2
Cash, Cash Equivalents & STI	22	5	10
Inventories	- -	- -	- -
Total Current Liabilities	- -	- -	- -
Payables & Accruals	- -	- -	- -
ST Debt	- -	- -	- -
Deferred Revenue	- -	- -	- -

	Mar'23	Sep'23	Mar'24
ST Debt	- -	- -	- -
LT Borrowings	21	33	39
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	2	2	2
Market Capitalization	26	25	21