VTYB
Victory Bancorp Inc
Price Chart
No historical data available
Latest Quote
$22.00
+0.00 (+0.00%)
Current Price
| Previous Close | $22.00 |
| Open | $21.50 |
| Day High | $21.50 |
| Day Low | $21.50 |
| Volume | 5,177 |
Stock Information
| Quarterly Dividend / Yield | $0.26 / 0.01% |
| Shares Outstanding | 2.00M |
| Quarterly Dividend Yield | 0.01% |
| Quarterly Dividend | $0.26 |
| Total Debt | $17.38M |
| Revenue | $15.10M |
| Net Income | $2.15M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $43.99M |
| P/E Ratio | 22.45 |
| EPS (TTM) | $0.98 |
| Exchange | OQX |
Recent Price History
No history data available. Data will be fetched automatically.
About Victory Bancorp Inc
The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking products and services in the United States. The company offers checking accounts, savings, and money market accounts; certificates of deposit; certificate of deposit account registry service and insured cash sweep; insured deposit sweep checking; and insured deposit sweep checking and escrow management accounts. It also provides personal lending products, such as secured and unsecured lines of credit and secured and unsecured personal term loans; home mortgages; home equity lines of credit; commercial loans, including agriculture, commercial, construction, and commercial real estate; and consumer and residential real estate loans. In addition, the company offers remote deposit, merchant services, lockbox, business cash management services, government and mobile banking, online banking and bill pay, large deposit solutions, digital wallet, and e-statements. It serves commercial and retail customers of small and middle markets. The company was founded in 2008 and is based in Limerick, Pennsylvania.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $13,988,000 | $13,918,000 | $15,742,000 | $15,301,000 |
| Operating Revenue | $13,988,000 | $13,918,000 | $15,742,000 | $15,301,000 |
| Expenses | ||||
| Interest Expense | $15,703,000 | $11,163,000 | $3,669,000 | $2,444,000 |
| Selling And Marketing Expense | $67,000 | $98,000 | $80,000 | $64,000 |
| General And Administrative Expense | $7,596,000 | $7,170,000 | $7,125,000 | $6,483,000 |
| Professional Expense And Contract Services Expense | $600,000 | $479,000 | $588,000 | $651,000 |
| Other Non Interest Expense | $2,654,000 | $2,544,000 | $2,579,000 | $2,364,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Net Interest Income | $13,164,000 | $13,503,000 | $15,911,000 | $14,437,000 |
| Interest Income | $28,867,000 | $24,666,000 | $19,580,000 | $16,881,000 |
| Normalized Income | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Net Income From Continuing And Discontinued Operation | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Net Income Common Stockholders | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Net Income | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Net Income Including Noncontrolling Interests | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Net Income Continuous Operations | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Pretax Income | $2,124,000 | $2,728,000 | $4,657,000 | $4,798,000 |
| Per Share | ||||
| Diluted EPS | $0.82 | $1.06 | $1.80 | $1.94 |
| Basic EPS | $0.84 | $1.09 | $1.88 | $2.03 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $261,000 | $301,000 | $320,000 | $313,000 |
| Diluted Average Shares | $2,021,715 | $2,028,543 | $2,048,878 | $2,033,095 |
| Basic Average Shares | $1,972,940 | $1,971,362 | $1,966,428 | $1,950,095 |
| Diluted NI Availto Com Stockholders | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Tax Provision | $462,000 | $587,000 | $963,000 | $848,000 |
| Selling General And Administration | $7,663,000 | $7,268,000 | $7,205,000 | $6,547,000 |
| Insurance And Claims | $416,000 | $311,000 | $266,000 | $255,000 |
| Salaries And Wages | $7,180,000 | $6,859,000 | $6,859,000 | $6,228,000 |
| Occupancy And Equipment | $749,000 | $654,000 | $739,000 | $607,000 |
| Gain On Sale Of Security | - | $0 | $-586,000 | $0 |
| Other Gand A | - | - | - | $1,685,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $29,337,000 | $27,948,000 | $26,199,000 | $25,190,000 |
| Total Assets | $461,024,000 | $442,163,000 | $423,854,000 | $443,778,000 |
| Receivables | $1,581,000 | $1,613,000 | $21,469,000 | $1,041,000 |
| Accounts Receivable | $1,581,000 | $1,613,000 | $1,356,000 | $1,041,000 |
| Cash And Cash Equivalents | $10,678,000 | $12,438,000 | $8,054,000 | $101,992,000 |
| Cash Cash Equivalents And Federal Funds Sold | $12,870,000 | $17,741,000 | $12,792,000 | $106,733,000 |
| Other Receivables | - | - | $20,113,000 | - |
| Debt | ||||
| Net Debt | $22,071,000 | $36,592,000 | $8,500,000 | - |
| Total Debt | $32,749,000 | $49,030,000 | $16,554,000 | $23,277,000 |
| Long Term Debt And Capital Lease Obligation | $21,059,000 | $16,580,000 | $16,554,000 | $23,277,000 |
| Long Term Debt | $21,059,000 | $16,580,000 | $16,554,000 | $23,277,000 |
| Current Debt And Capital Lease Obligation | $11,690,000 | $32,450,000 | - | - |
| Current Debt | $11,690,000 | $32,450,000 | - | - |
| Other Current Borrowings | $11,690,000 | $32,450,000 | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $431,687,000 | $414,215,000 | $397,655,000 | $418,588,000 |
| Payables And Accrued Expenses | - | - | $1,157,000 | $962,000 |
| Payables | - | - | $1,157,000 | $962,000 |
| Accounts Payable | - | - | $1,157,000 | $962,000 |
| Equity | ||||
| Common Stock Equity | $29,337,000 | $27,948,000 | $26,199,000 | $25,190,000 |
| Total Equity Gross Minority Interest | $29,337,000 | $27,948,000 | $26,199,000 | $25,190,000 |
| Stockholders Equity | $29,337,000 | $27,948,000 | $26,199,000 | $25,190,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,817,000 | $-1,958,000 | $-2,022,000 | $192,000 |
| Other Equity Adjustments | $-1,817,000 | $-1,958,000 | $-2,022,000 | $192,000 |
| Retained Earnings | $14,523,000 | $13,374,000 | $11,745,000 | $8,730,000 |
| Other | ||||
| Ordinary Shares Number | $1,977,362 | $1,971,362 | $1,971,362 | $1,950,362 |
| Share Issued | $1,977,362 | $1,971,362 | $1,971,362 | $1,950,362 |
| Tangible Book Value | $29,337,000 | $27,948,000 | $26,199,000 | $25,190,000 |
| Invested Capital | $62,086,000 | $76,978,000 | $42,753,000 | $48,467,000 |
| Total Capitalization | $50,396,000 | $44,528,000 | $42,753,000 | $48,467,000 |
| Additional Paid In Capital | $14,654,000 | $14,561,000 | $14,505,000 | $14,318,000 |
| Capital Stock | $1,977,000 | $1,971,000 | $1,971,000 | $1,950,000 |
| Common Stock | $1,977,000 | $1,971,000 | $1,971,000 | $1,950,000 |
| Investments And Advances | $44,642,000 | $47,931,000 | $51,766,000 | $24,088,000 |
| Held To Maturity Securities | $11,737,000 | $12,041,000 | $12,883,000 | $0 |
| Net PPE | $3,248,000 | $3,017,000 | $3,195,000 | $3,227,000 |
| Accumulated Depreciation | $-3,629,000 | $-3,368,000 | $-3,067,000 | $-2,926,000 |
| Gross PPE | $6,877,000 | $6,385,000 | $6,262,000 | $6,153,000 |
| Leases | $1,384,000 | $1,089,000 | $1,040,000 | $1,015,000 |
| Other Properties | $620,000 | $547,000 | $527,000 | $460,000 |
| Machinery Furniture Equipment | $1,986,000 | $1,862,000 | $1,808,000 | $1,791,000 |
| Buildings And Improvements | $1,687,000 | $1,687,000 | $1,687,000 | $1,687,000 |
| Land And Improvements | $1,200,000 | $1,200,000 | $1,200,000 | $1,200,000 |
| Other Short Term Investments | $32,905,000 | $35,890,000 | $38,883,000 | $24,088,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $2,119,000 | $22,113,000 | $-15,059,000 | $6,823,000 |
| Operating Activities | ||||
| Operating Cash Flow | $2,611,000 | $22,236,000 | $-14,691,000 | $7,091,000 |
| Cash Flow From Continuing Operating Activities | $2,611,000 | $22,236,000 | $-14,691,000 | $7,091,000 |
| Operating Gains Losses | $-160,000 | $-108,000 | $622,000 | $-96,000 |
| Investing Activities | ||||
| Capital Expenditure | $-492,000 | $-123,000 | $-368,000 | $-268,000 |
| Investing Cash Flow | $-22,737,000 | $-34,778,000 | $-57,565,000 | $-29,147,000 |
| Cash Flow From Continuing Investing Activities | $-22,737,000 | $-34,778,000 | $-57,565,000 | $-29,147,000 |
| Net Other Investing Changes | $1,011,000 | $-1,446,000 | $3,000 | $145,000 |
| Financing Activities | ||||
| Financing Cash Flow | $16,266,000 | $16,026,000 | $-21,682,000 | $10,772,000 |
| Cash Flow From Continuing Financing Activities | $16,266,000 | $16,026,000 | $-21,682,000 | $10,772,000 |
| Cash Dividends Paid | $-513,000 | $-512,000 | $-679,000 | $-585,000 |
| Common Stock Dividend Paid | $-513,000 | $-512,000 | $-679,000 | $-585,000 |
| Net Other Financing Charges | - | - | - | $-5,000,000 |
| Other | ||||
| Issuance Of Debt | $4,448,000 | $0 | $0 | $0 |
| Interest Paid Supplemental Data | $15,579,000 | $10,951,000 | $3,390,000 | $2,637,000 |
| Income Tax Paid Supplemental Data | $626,000 | $558,000 | $1,083,000 | $1,064,000 |
| End Cash Position | $10,678,000 | $14,538,000 | $11,054,000 | $104,992,000 |
| Beginning Cash Position | $14,538,000 | $11,054,000 | $104,992,000 | $116,276,000 |
| Changes In Cash | $-3,860,000 | $3,484,000 | $-93,938,000 | $-11,284,000 |
| Proceeds From Stock Option Exercised | $43,000 | $0 | $152,000 | $2,000 |
| Net Issuance Payments Of Debt | $-16,312,000 | $32,450,000 | $-6,750,000 | $-45,981,000 |
| Net Short Term Debt Issuance | $-20,760,000 | $32,450,000 | $0 | $-40,981,000 |
| Net Long Term Debt Issuance | $4,448,000 | $0 | $-6,750,000 | $-5,000,000 |
| Long Term Debt Issuance | $4,448,000 | $0 | - | $0 |
| Net Investment Purchase And Sale | $3,536,000 | $3,975,000 | $-31,033,000 | $-11,142,000 |
| Sale Of Investment | $3,536,000 | $3,975,000 | $34,324,000 | $4,033,000 |
| Net PPE Purchase And Sale | $-492,000 | $-123,000 | $-361,000 | $-268,000 |
| Purchase Of PPE | $-492,000 | $-123,000 | $-368,000 | $-268,000 |
| Change In Working Capital | $687,000 | $19,609,000 | $-19,631,000 | $-834,000 |
| Change In Other Current Liabilities | $581,000 | $-417,000 | $204,000 | $-238,000 |
| Change In Other Current Assets | $-50,000 | $-42,000 | $602,000 | $-648,000 |
| Change In Payables And Accrued Expense | $124,000 | $212,000 | $-9,000 | $0 |
| Change In Payable | $124,000 | $212,000 | $-9,000 | $0 |
| Change In Account Payable | $124,000 | $212,000 | $-9,000 | $0 |
| Change In Receivables | $32,000 | $19,856,000 | $-20,428,000 | $52,000 |
| Changes In Account Receivables | $32,000 | $-257,000 | $-315,000 | $52,000 |
| Other Non Cash Items | $35,000 | $-19,000 | $242,000 | $3,371,000 |
| Stock Based Compensation | $56,000 | $56,000 | $56,000 | $56,000 |
| Amortization Of Securities | $-70,000 | $-58,000 | $-34,000 | $37,000 |
| Deferred Tax | $-58,000 | $69,000 | $66,000 | $-40,000 |
| Deferred Income Tax | $-58,000 | $69,000 | $66,000 | $-40,000 |
| Depreciation Amortization Depletion | $261,000 | $301,000 | $320,000 | $313,000 |
| Depreciation And Amortization | $261,000 | $301,000 | $320,000 | $313,000 |
| Net Income From Continuing Operations | $1,662,000 | $2,141,000 | $3,694,000 | $3,950,000 |
| Repayment Of Debt | - | $0 | $-6,750,000 | $-5,000,000 |
| Short Term Debt Issuance | - | $32,450,000 | $0 | - |
| Long Term Debt Payments | - | $0 | $-6,750,000 | $-5,000,000 |
| Purchase Of Investment | - | $0 | $-65,357,000 | $-15,175,000 |
| Sale Of PPE | - | $0 | $7,000 | $0 |
| Gain Loss On Investment Securities | - | $0 | $586,000 | $0 |
| Gain Loss On Sale Of PPE | - | $0 | $73,000 | $0 |
Fetched: 2026-02-02