VWFB
VWF Bancorp, Inc.11.90
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
22.75MP/E (TTM)
-Basic EPS (TTM)
-1.48Dividend Yield
0%Recent Filings
8-K
New CEO Appointment
VWF Bancorp appointed Robert Slusser as President and CEO of both the company and GreenWay Bank, effective July 14, 2025, bringing 38 years of banking leadership from roles at F&M Bank and others. His two-year employment agreement includes a $275,000 annual salary, bonus eligibility, and severance protections tied to performance and change in control. Slusser's market expertise bolsters community-focused growth. Non-compete lasts one year post-termination.
8-K
New director appointment
VWF Bancorp appointed Peter Quinlan, 58, as a new director on June 2, 2025, with his term ending at the November 2027 annual meeting; he joins the Audit Committee and the board of subsidiary GreenWay Bank. A former Signature Bank executive and founder of PQ Capital Group, Quinlan brings deep financial services expertise. He receives a prorated $28,000 annual retainer. This bolsters governance in a key sector.
10-Q
Q3 FY2025 results
VWF Bancorp posted a narrower Q3 net loss of $386K, down 38% y/y, as net interest income climbed 44% to $2.0M on 46% higher interest income from expanded loans and securities—yet a $2.4M YTD loss on low-yield bond sales stung profitability. Loan growth accelerated 32% y/y to $167M, fueled by commercial and construction segments, while deposits surged 45% to $303M, blending core and brokered funds to leverage the balance sheet. Margins held steady at 2.4%, with provision for credit losses up to $205K amid portfolio expansion. Cash dipped to $6.9M, but $53M in borrowing capacity bolsters liquidity. Balance sheet repositioning pays off. Nonperforming loans ticked up slightly to $773K. Competition from larger banks pressures deposit rates.
8-K
Plans stock deregistration
VWF Bancorp, Inc. plans to deregister its common stock under the Securities Exchange Act, effective 90 days after filing Form 15 on or after July 14, 2025, three years post its July 13, 2022 IPO. This ends SEC reporting duties for 10-K, 10-Q, and 8-K forms, easing compliance costs while GreenWay Bank persists with FDIC Call Reports. Shares may linger on OTC markets. Deregistration cuts oversight but risks thinner liquidity.
8-K
CEO retirement announced
VWF Bancorp's President and CEO Michael D. Cahill announced his voluntary retirement effective December 31, 2025, at the end of his employment term, with no disagreements over operations or policies. This early notice on February 24, 2025, enables a smooth, collaborative succession process involving the boards and leadership. Succession planning is underway. Smooth transitions build stability.
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