One plan - full access

No subscription, no auto-renewal, no hidden terms.
Pay once and use it for 30 days.

PRO plan No auto-renewal
$18

30 days of full access
One-time payment

🌐 US & Global Companies
Get access for 30 days →
♧ Secure payment · Instant access

What is included

  • ✓Full access to detailed company analysis
  • ✓Fundamental screener
  • ✓Advanced stock screener filters
  • ✓5 ratings. Separate lists for US & Global Companies and MOEX
  • ✓Company data export in XLSX and CSV
  • ✓MarketCap’s overall ranking of top companies
  • ✓Analytics updates after each new financial report
⚠ The service is not an investment advisor. Financial statement data from public companies is available to everyone - MarketCap structures and analyzes it.
WVS Financial Corp. logo
WVS Financial Corp. WVFC
report update icon

Quarterly report 2021-Q3
added 05-16-2026

WVS Financial Corp. Balance Sheet 2021-2009 | WVFC

Brief overview of WVS Financial Corp.'s balance sheet strength

The review uses the five latest available annual reports between 2017 and 2021.

Assets shifted from $351.6 million to $346.1 million, leaving five-period growth close to stagnation.

Asset and liability trends were close, at -1.6% and -3.4%. Expansion did not materially reshape funding sources.

For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 11.1% of assets versus 9.4% initially.

Accumulated earnings ended at $47.2 million, a change of +14.1%. They remain an important part of the capital base.

What the balance sheet shows

WVS Financial Corp. has a workable but not unconditionally strong balance sheet. Resilience depends on sustained earnings and liability control.

Annual Balance Sheet WVS Financial Corp.

2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009

Net Debt

- 97.5 M 95.6 M - 13.8 M 13.8 M 114 M 110 M 15.6 M 94.3 M 52.6 M - -

Long Term Debt

- 100 M 100 M - 16.1 M 16.1 M 118 M 112 M 17.5 M 96.8 M 54.6 M - -

Total Liabilities

308 M 320 M 320 M 318 M 319 M 303 M 298 M 278 M 256 M 243 M 200 M - -

Retained Earnings

47.2 M 46.6 M 44.8 M 42.8 M 41.3 M 40.2 M 39.4 M 38.3 M 37.7 M 37 M 35.9 M - -

Total Assets

346 M 357 M 356 M 352 M 352 M 336 M 330 M 310 M 288 M 273 M 229 M - -

Cash and Cash Equivalents

2.55 M 2.5 M 4.38 M 2.44 M 2.27 M 2.34 M 3.57 M 1.36 M 1.93 M 2.51 M 1.96 M 2.2 M 21.8 M

Book Value

38.4 M 36.9 M 36 M 34 M 33 M 33.1 M 32 M 31.8 M 31.8 M 30.4 M 28.9 M - -

Total Shareholders Equity

38.4 M 36.9 M 36 M 34 M 33 M 33.1 M 32 M 31.8 M 31.8 M 30.4 M 28.9 M 27.8 M 31.1 M

All numbers in USD currency

Quarterly Balance Sheet WVS Financial Corp.

2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Total Liabilities

- - - 331 M 317 M 331 M 317 M 313 M 279 M 342 M 318 M 322 M 318 M 321 M 316 M 315 M 316 M 322 M 322 M 318 M 322 M 311 M 307 M 323 M 307 M 306 M 298 M 302 M 298 M 289 M 263 M 285 M 263 M 285 M 282 M 264 M 282 M 237 M 223 M 266 M 223 M 277 M 224 M 193 M 224 M 193 M 200 M 200 M

Retained Earnings

- - - 47.6 M 47.4 M 47.6 M 47.4 M 47.3 M 47 M 46.4 M 46 M 45.4 M 46 M 44.5 M 43.9 M 43.4 M 43.9 M 42.5 M 42 M 42.8 M 42 M 41.1 M 40.8 M 41.7 M 40.8 M 40 M 39.7 M 39.6 M 39.7 M 39.1 M 38.7 M 38.6 M 38.7 M 38.1 M 38 M 37.9 M 38 M 37.6 M 37.5 M 37.3 M 37.5 M 36.7 M 36.4 M 36.2 M 36.4 M 36.2 M 35.9 M 35.9 M

Total Assets

- - - 369 M 356 M 369 M 356 M 351 M 317 M 374 M 355 M 359 M 355 M 356 M 349 M 350 M 349 M 356 M 356 M 352 M 356 M 345 M 340 M 356 M 340 M 338 M 330 M 334 M 330 M 321 M 295 M 317 M 295 M 317 M 314 M 296 M 314 M 269 M 255 M 297 M 255 M 307 M 254 M 222 M 254 M 222 M 229 M 229 M

Cash and Cash Equivalents

- - - 3.32 M 2.95 M 3.32 M 2.95 M 2.43 M 3.29 M 2.37 M 3.04 M 7.31 M 3.04 M 4.2 M 3.63 M 5.92 M 3.63 M 6.86 M 8.52 M 5.92 M 8.52 M 2.81 M 2.39 M 7.63 M 2.39 M 1.9 M 2.87 M 1.97 M 2.87 M 2.5 M 2.26 M 1.53 M 2.26 M 1.46 M 1.82 M 2.47 M 1.82 M 2.05 M 2.1 M 2.56 M 2.1 M 3.72 M 2.24 M 6.44 M 2.24 M 6.44 M 2.24 M 6.44 M

Book Value

- - - 37.7 M 38.2 M 37.7 M 38.2 M 38.4 M 38.4 M 32.3 M 37.5 M 36.6 M 37.5 M 35.3 M 33.4 M 34.7 M 33.4 M 34.2 M 33.9 M 34 M 33.9 M 33.7 M 33.3 M 33.5 M 33.3 M 32.8 M 32.3 M 32.3 M 32.3 M 32.1 M 31.8 M 31.8 M 31.8 M 32.5 M 32.3 M 32.1 M 32.3 M 31.8 M 31.6 M 31.1 M 31.6 M 30 M 29.4 M 29.1 M 29.4 M 29.1 M 28.9 M 28.9 M

Total Shareholders Equity

- - - 37.7 M 38.2 M 37.7 M 38.2 M 38.4 M 38.4 M 32.3 M 37.5 M 36.6 M 37.5 M 35.3 M 33.4 M 34.7 M 33.4 M 34.2 M 33.9 M 34.7 M 33.9 M 33.7 M 33.3 M 33.5 M 33.3 M 32.8 M 32.3 M 32.3 M 32.3 M 32.1 M 31.8 M 31.8 M 31.8 M 32.5 M 32.3 M 32.1 M 32.3 M 31.8 M 31.6 M 31.1 M 31.6 M 30 M 29.4 M 29.1 M 29.4 M 29.1 M 28.9 M 28.9 M

All numbers in USD currency

Balance Sheet is a fundamental financial report of WVS Financial Corp., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

Balance sheet of other industry stocks – Banks regional

Issuer Price % 24h Market Cap Country
California BanCorp California BanCorp
CALB
- 1.05 % $ 210 M usaUSA
Flagstar Bancorp Flagstar Bancorp
FBC
- -0.08 % $ 2.02 B usaUSA
BankFinancial Corporation BankFinancial Corporation
BFIN
- - $ 151 M usaUSA
Provident Bancorp Provident Bancorp
PVBC
- - $ 226 M usaUSA
Comerica Incorporated Comerica Incorporated
CMA
- - $ 11.8 B usaUSA
Middlefield Banc Corp. Middlefield Banc Corp.
MBCN
- - $ 273 M usaUSA
Amerant Bancorp Amerant Bancorp
AMTB
$ 28.96 0.38 % $ 1.2 B usaUSA
AmeriServ Financial AmeriServ Financial
ASRV
$ 4.54 1.79 % $ 75 M usaUSA
Meta Financial Group Meta Financial Group
CASH
$ 72.93 1.12 % $ 1.71 B usaUSA
Cathay General Bancorp Cathay General Bancorp
CATY
$ 59.96 0.42 % $ 4.15 B usaUSA
Capital Bancorp Capital Bancorp
CBNK
$ 39.59 0.41 % $ 656 M usaUSA
Central Pacific Financial Corp. Central Pacific Financial Corp.
CPF
$ 36.48 1.11 % $ 982 M usaUSA
ICICI Bank Limited ICICI Bank Limited
IBN
$ 29.99 1.87 % $ 96.9 B indiaIndia
First Western Financial First Western Financial
MYFW
$ 29.45 0.19 % $ 286 M usaUSA
NBT Bancorp NBT Bancorp
NBTB
$ 50.85 0.28 % $ 2.58 B usaUSA
Park National Corporation Park National Corporation
PRK
$ 178.65 0.35 % $ 2.88 B usaUSA
TowneBank TowneBank
TOWN
$ 35.47 0.54 % $ 2.56 B usaUSA
Landmark Bancorp Landmark Bancorp
LARK
$ 31.51 0.1 % $ 191 B usaUSA
MVB Financial Corp. MVB Financial Corp.
MVBF
$ 29.23 0.55 % $ 373 M usaUSA
Silvergate Capital Corporation Silvergate Capital Corporation
SI
$ 18.09 20.53 % $ 463 M usaUSA
Union Bankshares Union Bankshares
UNB
$ 23.0 1.05 % $ 105 M usaUSA
Banner Corporation Banner Corporation
BANR
$ 67.57 0.34 % $ 2.33 B usaUSA
Bank First Corporation Bank First Corporation
BFC
$ 147.7 0.5 % $ 1.45 B usaUSA
Ameris Bancorp Ameris Bancorp
ABCB
$ 79.72 0.48 % $ 5.46 B usaUSA
Summit Financial Group Summit Financial Group
SMMF
- - $ 365 M usaUSA
BankUnited BankUnited
BKU
$ 41.94 0.21 % $ 3.1 B usaUSA
Popular Popular
BPOP
$ 158.89 0.97 % $ 10.7 B usaUSA
Banco Santander (Brasil) S.A. Banco Santander (Brasil) S.A.
BSBR
$ 5.58 0.72 % $ 107 B brasilBrasil
First Busey Corporation First Busey Corporation
BUSE
$ 29.43 0.58 % $ 2.47 B usaUSA
Byline Bancorp Byline Bancorp
BY
$ 37.28 1.03 % $ 1.67 B usaUSA
Camden National Corporation Camden National Corporation
CAC
$ 56.12 0.45 % $ 948 M usaUSA
Colony Bankcorp Colony Bankcorp
CBAN
$ 19.77 0.3 % $ 352 M usaUSA
Commerce Bancshares Commerce Bancshares
CBSH
$ 55.69 0.23 % $ 7.99 B usaUSA
Community Bank System Community Bank System
CBU
$ 60.24 0.96 % $ 3.17 B usaUSA
Territorial Bancorp Territorial Bancorp
TBNK
- - $ 71.7 M usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
$ 102.06 0.36 % $ 330 M usaUSA
Capitol Federal Financial Capitol Federal Financial
CFFN
$ 8.17 0.55 % $ 1.06 B usaUSA
Chemung Financial Corporation Chemung Financial Corporation
CHMG
$ 80.51 1.14 % $ 387 M usaUSA
CB Financial Services CB Financial Services
CBFV
$ 37.55 1.27 % $ 189 M usaUSA
ACNB Corporation ACNB Corporation
ACNB
$ 63.34 0.25 % $ 650 M usaUSA
Columbia Banking System Columbia Banking System
COLB
$ 28.44 0.37 % $ 6.77 B usaUSA
CVB Financial Corp. CVB Financial Corp.
CVBF
$ 21.87 0.18 % $ 2.99 B usaUSA
Citizens & Northern Corporation Citizens & Northern Corporation
CZNC
$ 25.5 0.55 % $ 407 M usaUSA
Eagle Bancorp Eagle Bancorp
EGBN
$ 28.35 1.18 % $ 860 M usaUSA
First Commonwealth Financial Corporation First Commonwealth Financial Corporation
FCF
$ 20.34 0.64 % $ 2.1 B usaUSA
First Financial Bankshares First Financial Bankshares
FFIN
$ 30.47 1.42 % $ 4.36 B usaUSA
First Hawaiian First Hawaiian
FHB
$ 24.95 0.04 % $ 3.11 B usaUSA
First Interstate BancSystem First Interstate BancSystem
FIBK
$ 34.82 0.03 % $ 3.57 B usaUSA
Financial Institutions Financial Institutions
FISI
$ 39.31 0.1 % $ 790 M usaUSA