Wvs Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Wvs Financial (WVFC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Wvs Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 5M vs 806,162M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.6% annualized vs trailing 12 months), vs decelerating (-24.6%) for its tracked peer group.
- Growth: Wvs Financial generated 2.8% revenue growth year over year in Q3 2022, vs -4.3% for its tracked competitors combined.
- Profitability: Its 25.5% net margin compares with 25.5% for the peer group.
- Peer revenue share: Wvs Financial accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.20M compares with $0.50M for the peer group (0.4x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
WVFC Sales vs. its Competitors, Q3 2022
Wvs Financial reported revenue growth of 2.79 % year on year in Q3 2022, above its competitors' combined revenue change of -4.30 %.
With a net margin of 25.45 %, Wvs Financial reported lower profitability than its competitors (25.45 %).
Wvs Financial generated 0.00 % of the combined sales of its peer group, up from 0.00 % a year earlier.
Wvs Financial vs. its Competitors, Q3 2022
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Wvs Financial reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Wvs Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Wvs Financial Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Wvs Financial's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 2.8% for Wvs Financial. Wvs Financial's share of combined industry revenue moved from 0.00% to 0.00%, a gain of 0.00 percentage points.
Wvs Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Wvs Financial Corp | Yes | No | No | Yes |
| Competitors combined (190) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
WVFC Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Lionsgate Studios Corp | 282.9% | Outperformed |
| 4 | Community Ban corp | 282.9% | Outperformed |
| 5 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Wvs Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Wvs Financial's Comment on Competition and Industry Peers
The Company’s competition for real estate loans comes principally from mortgage banking companies, other savings institutions, commercial banks and credit unions. The Company competes for loan originations primarily through the interest rates and loan fees it charges, the efficiency and quality of services it provides borrowers, referrals from real estate brokers and builders, and the variety of its products. Factors which affect competition include the general and local economic conditions, current interest rate levels and volatility in the mortgage markets.
Publicly Traded Peers of Wvs Financial Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Wvs Financial Corp | 24.73 | 5.28 |
| Jpmorgan Chase and Co | 903,068.90 | 186,328.00 |
| Bank Of America Corporation | 370,399.48 | 121,098.00 |
| Wells Fargo and Company | 253,377.79 | 83,940.00 |
| Citigroup inc | 219,922.08 | 88,262.00 |
| Capital one financial corp | 128,356.53 | 51,099.00 |
| SUBTOTAL | 2,667,473.10 | 814,903.43 |
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Sources: Wvs Financial Corp's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Wvs Financial Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Wvs Financial's Competitors Named by the Company
Competitive relationships identified from Wvs Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Cb Financial Services Inc | Company report | 85% |
| Embassy Bancorp Inc | Company report | 85% |
| Mid Penn Bancorp Inc | Company report | 85% |
| Quaint Oak Bancorp Inc | Company report | 85% |
| Acnb Corporation | Company report | 85% |
| Citizens Financial Services Inc | Company report | 85% |
| Franklin Financial Services Corporation | Company report | 85% |
| Penns Woods Bancorp inc | Company report | 85% |
| Cnb Financial Corp | Company report | 85% |
| Essa Bancorp Inc | Company report | 85% |
| Norwood Financial Corp | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| Bryn Mawr Bank Corp | Company report | 85% |
| Citizens and Northern Corporation | Company report | 85% |
| Republic First Bancorp Inc | Company report | 85% |
| Qnb Corp | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| First Keystone Corporation | Company report | 85% |
| Orrstown Financial Services Inc | Company report | 85% |
| Bm Technologies Inc | Company report | 85% |
| Linkbancorp Inc | Company report | 85% |
| Ssb Bancorp Inc | Company report | 85% |
| William Penn Bancorporation | Company report | 85% |
| Parke Bancorp Inc | Company report | 85% |
| Fox Chase Bancorp Inc | Company report | 85% |
| Prudential Bancorp Inc | Company report | 85% |
| United Bancshares Inc | Company report | 85% |
| Howard Bancorp Inc | Company report | 85% |
| Beneficial Bancorp Inc. | Company report | 85% |
| Metro Bancorp, Inc. | Company report | 85% |
| STEELE BANCORP INC | Company report | 85% |
| Univest Financial Corporation | Company report | 85% |
| Hv Bancorp Inc | Company report | 85% |
| Royal Bancshares Of Pennsylvania Inc | Company report | 85% |
| United Community Financial Corp | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Ccfnb Bancorp Inc | Company report | 85% |
| Pb Bankshares Inc | Company report | 85% |
| Standard Avb Financial Corp | Company report | 85% |
| Citizens Financial Group Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Wvs Financial's named competitors require a Commercial License.
Methodology: relationships are extracted from Wvs Financial reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Wvs Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 32.20 % |
| Lionsgate Studios Corp | Motion Picture 61.44 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Wvs Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Wvs Financial Corp | 25 | 195,630 | 44,259 |
| Jpmorgan Chase and Co | 903,069 | 584,995 | 200,752 |
| Bank Of America Corporation | 370,399 | 568,535 | 158,005 |
| Wells Fargo and Company | 253,378 | 351,213 | 95,100 |
| Citigroup inc | 219,922 | 390,540 | 72,049 |
| Capital one financial corp | 128,357 | 669,712 | 137,615 |
| PEERS TOTAL | 2,667,448 | 502,369 | 130,326 |
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Wvs Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Wvs Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Wvs Financial's industry classification, broader than the peer set above. Market cap in millions of $.Wvs Financial ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 116,372 | 15.17 % |
| 2 | Deutsche Bank Aktiengesellschaft | 64,719 | 8.44 % |
| 3 | Ita Unibanco Holding S a | 54,492 | 7.11 % |
| 4 | Fifth Third Bancorp | 48,372 | 6.31 % |
| 5 | State Street Corp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Wvs Financial Corp | 25 | 0.00 % |
Market cap and industry share for the rest of Wvs Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-05-27.
Wvs Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 38.09 % | 50.49 % (avg) | -12.4 pp |
| Capital Intensity (Capex / Revenue) | - | 2.34 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Wvs Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 22.3x | - | - |
| EV / EBITDA | 71.3x | - | - |
| P/B | 0.7x | - | - |
| Return on Equity | 3.13 % | industry aggregate | -8.11 % |
| Return on Invested Capital | 0.69 % | 4.16 % (avg) | -3.47 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Wvs Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 4.99 % | 8.91 % | 3.51 % | 9.13 % | 10.47 % | 3.02 % | -19.94 % | -12.74 % |
| Operating Margin | - | 36.83 % | - | 43.35 % | 48.98 % | - | - | - |
| Return on Invested Capital | - | 1.17 % | - | 3.73 % | 3.77 % | 2.21 % | 1.37 % | 0.71 % |
| P/E | 19.8x | 16.4x | 17.6x | 16.6x | 10.1x | 9.7x | 14.5x | 23.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Wvs Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Wvs Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Wvs Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Wvs Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Wvs Financial falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Wvs Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Return on equity 8.1 points below the industry aggregate.
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-24.6% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Wvs Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Wvs Financial Corp | 0.00 | 1.76 | 3.07 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Wvs Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Wvs Financial Corp | Q1 2022 | +2.8 % | +27.5 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +25.2 % | +58.6 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Wvs Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Wvs Financial Corp | Q1 2022 | - | - |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Wvs Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Wvs Financial Corp | 0.34% | 0.62% | 3.13% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.65% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Wvs Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Wvs Financial Corp | 20.58 | 4.68 |
| Jpmorgan Chase and Co | 14.11 | 4.85 |
| Bank Of America Corporation | 11.70 | 3.06 |
| Wells Fargo and Company | 12.05 | 3.02 |
| Citigroup inc | 15.40 | 2.49 |
| Capital one financial corp | 12.30 | 2.51 |
| PEERS AVERAGE | 12.62 | 3.27 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.