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The Victory Bancorp, Inc. (VTYB)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 13 | 15 | 16 | 14 | 14 | 15 | 15 |
| Operating profit | $m | 3 | 3 | |||||
| Net profit | $m | 2 | 4 | 4 | 2 | 2 | 2 | 2 |
| EPS reported | $ | 0.99 | 1.01 | |||||
| Operating cashflow per share | $ | 0.00 | 0.00 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | 0.00 | 0.00 | |||||
| Free cash flow | $m | - | 0 | |||||
| Net debt | $m | - | -20 | |||||
| Book value equity | $m | - | 32 | |||||
| Book value per share | $ | 0.00 | 14.84 | |||||
| Number of shares | m | 2.06 | 2.13 | |||||
| DPS (TTM paid) | $ | 0.26 | 0.13 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 19.05 | 21.78 | |||||
| P/B LTM | x | 0.00 | 1.39 | |||||
| P/S LTM | x | 2.47 | 2.89 | |||||
| P/FCF LTM | x | 0.00 | 0.00 | |||||
| EV/EBITDA LTM | x | 14.53 | 9.05 | |||||
| EV/Sales LTM | x | 0.00 | 1.54 | |||||
| Earnings Yield LTM | % | 5.25% | 4.59% | |||||
| FCF Yield | % | 0.00% | 0.00% | |||||
| Quality | ||||||||
| ROE | % | 0.00% | 4.85% | |||||
| ROIC | % | 0.00% | 0.31% | |||||
| Operating margin | % | 8.71% | 8.40% | |||||
| Gross margin | % | 51.60% | 51.91% | |||||
| FCF/Sales | % | 0.00% | 0.00% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +16.47% | +16.47% | |||||
| Sales Growth YoY | % | +9.31% | +9.31% | |||||
| Net Income Growth YoY | % | +22.86% | +22.86% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | +22.32% | +22.32% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.38% | 0.59% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 30.95% | 25.49% | |||||
| FCF/Debt | x | - | 0.00 | |||||
| Net Debt/EBITDA | x | 0.00 | -10.74 | |||||
| EBIT/Net interest | x | 0.18 | 0.17 | |||||
| Net debt/market cap | % | - | -46.54% | |||||
| Net debt/Equity | x | - | -0.65 | |||||
| Gross debt/equity | x | - | 0.55 | |||||
Company overview
The Victory Bancorp, Inc. functions as the parent holding company for The Victory Bank, offering a full spectrum of commercial and consumer banking products and services. These financial solutions cater to a diverse clientele, including small and mid-sized commercial businesses, as well as individual retail customers, all located within Montgomery County, Pennsylvania. The company's extensive service portfolio features various deposit options such as checking, savings, money market, and escrow management accounts, along with demand deposits, investment certificates, and Certificates of Deposit. Its lending services encompass both secured and unsecured personal term loans, lines of credit, home mortgages, home equity lines of credit, revolving credit facilities, and specific financing for small businesses and automobiles. Additionally, The Victory Bancorp provides specialized commercial financing, including term loans, credit lines, real estate and mortgage loans for businesses, and construction loans. Modern banking conveniences are also available, including government banking services, remote deposit capture, mobile and online banking with bill payment, comprehensive cash management, and merchant services. Further offerings include Certificate of Deposit Account Registry Services (CDARS), Insured Cash Sweep (ICS), lockbox services, and credit card products. The organization was established in 2008 and its main office is situated in Limerick, Pennsylvania.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
The Victory Bancorp, Inc. (VTYB)
The Victory Bancorp, Inc. functions as the parent holding company for The Victory Bank, offering a full spectrum of commercial and consumer banking products and services. These financial solutions cater to a diverse clientele, including small and mid-sized commercial businesses, as well as individual retail customers, all located within Montgomery County, Pennsylvania. The company's extensive service portfolio features various deposit options such as checking, savings, money market, and escrow management accounts, along with demand deposits, investment certificates, and Certificates of Deposit. Its lending services encompass both secured and unsecured personal term loans, lines of credit, home mortgages, home equity lines of credit, revolving credit facilities, and specific financing for small businesses and automobiles. Additionally, The Victory Bancorp provides specialized commercial financing, including term loans, credit lines, real estate and mortgage loans for businesses, and construction loans. Modern banking conveniences are also available, including government banking services, remote deposit capture, mobile and online banking with bill payment, comprehensive cash management, and merchant services. Further offerings include Certificate of Deposit Account Registry Services (CDARS), Insured Cash Sweep (ICS), lockbox services, and credit card products. The organization was established in 2008 and its main office is situated in Limerick, Pennsylvania.
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