The Victory Bancorp, Inc. VTYB

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22.00 USD 0.00 0.00%

At close · Mar 31

21.50 Day range 22.00
9.50 52-week range 22.00
YTD
+16.65%
1 year
+114.63%
Open
21.50
Prev close
22.00
Mkt cap
43.99M
Vol
5.18K
Avg vol
1.92K
EPS
0.98
P/E
22.45
More statistics
Low
21.50
High
22.00

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Financial health

Altman Z-Score

0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 18.5×
FY 2016: 16.7×FY 2017: 9.8×FY 2018: 7.5×FY 2019: 9.4×FY 2020: 8.3×FY 2021: 6.4×FY 2022: 7.9×FY 2023: 10.4×FY 2024: 12.6×FY 2025: 18.5×
FY 2016 5y median 10.4× FY 2025
P/S 1.3×
FY 2016: 1.6×FY 2017: 1.2×FY 2018: 4.0×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 0.0×
FY 2016: 1.0×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.0×
FY 2016 5y median 0.8× FY 2025
P/FCF 0.0×
FY 2016: 17.2×FY 2017: 4.8×FY 2018: 6.4×FY 2019: 7.5×FY 2020: -68.9×FY 2021: 3.7×FY 2022: -1.9×FY 2023: 1.0×FY 2024: 9.9×FY 2025: 0.0×
FY 2016 5y median 1.0× FY 2025
EV/EBITDA 0.0×
FY 2016: 25.8×FY 2017: 9.9×FY 2018: 18.1×FY 2019: 11.0×FY 2020: -20.3×FY 2021: -10.4×FY 2022: 7.6×FY 2023: 19.5×FY 2024: 18.0×FY 2025: 0.0×
FY 2016 5y median 7.6× FY 2025
EV/Sales 0.0×
FY 2016: 4.7×FY 2017: 2.2×FY 2018: 4.6×FY 2019: 2.2×FY 2020: -4.0×FY 2021: -3.0×FY 2022: 1.9×FY 2023: 2.4×FY 2024: 1.4×FY 2025: 0.0×
FY 2016 5y median 1.4× FY 2025
FCF Yield 0.0%
FY 2016: 5.8%FY 2017: 20.7%FY 2018: 15.5%FY 2019: 13.3%FY 2020: -1.5%FY 2021: 26.8%FY 2022: -51.5%FY 2023: 98.8%FY 2024: 10.1%FY 2025: 0.0%
FY 2016 5y median 10.1% FY 2025

Profitability

Gross Margin 51.6%
FY 2016: 77.6%FY 2017: 78.6%FY 2018: 72.8%FY 2019: 72.6%FY 2020: 70.4%FY 2021: 84.3%FY 2022: 81.2%FY 2023: 54.5%FY 2024: 46.4%FY 2025: 51.6%
FY 2016 5y median 54.5% FY 2025
Operating Margin 8.7%
FY 2016: 15.2%FY 2017: 20.2%FY 2018: 18.0%FY 2019: 18.6%FY 2020: 18.1%FY 2021: 27.0%FY 2022: 24.0%FY 2023: 10.9%FY 2024: 7.2%FY 2025: 8.7%
FY 2016 5y median 10.9% FY 2025
Net Margin 6.8%
FY 2016: 9.9%FY 2017: 12.2%FY 2018: 14.3%FY 2019: 14.4%FY 2020: 14.2%FY 2021: 22.3%FY 2022: 19.0%FY 2023: 8.5%FY 2024: 5.6%FY 2025: 6.8%
FY 2016 5y median 8.5% FY 2025
ROE 0.0%
FY 2016: 6.3%FY 2017: 8.6%FY 2018: 2.8%FY 2019: 10.6%FY 2020: 10.3%FY 2021: 15.7%FY 2022: 14.1%FY 2023: 7.7%FY 2024: 5.7%FY 2025: 0.0%
FY 2016 5y median 7.7% FY 2025
ROIC 0.0%
FY 2016: 2.0%FY 2017: 4.5%FY 2018: 1.7%FY 2019: 5.4%FY 2020: 2.5%FY 2021: 8.1%FY 2022: 8.6%FY 2023: 2.7%FY 2024: 2.6%FY 2025: 0.0%
FY 2016 5y median 2.7% FY 2025
ROA 0.0%
FY 2016: 0.5%FY 2017: 0.6%FY 2018: 0.2%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 0.5%FY 2024: 0.4%FY 2025: 0.0%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 0.5%
FY 2016: 14.1%FY 2017: 20.8%FY 2018: -68.8%FY 2019: 319.2%FY 2020: 9.0%FY 2021: 10.4%FY 2022: 9.4%FY 2023: 29.2%FY 2024: 18.4%FY 2025: 0.5%
FY 2016 FY 2025
Operating Income 22.3%
FY 2016: 6.2%FY 2017: 60.1%FY 2018: -72.1%FY 2019: 333.0%FY 2020: 6.1%FY 2021: 64.8%FY 2022: -2.9%FY 2023: -41.4%FY 2024: -22.1%FY 2025: 22.3%
FY 2016 FY 2025
EPS (diluted) 16.5%
FY 2016: -9.6%FY 2017: 70.2%FY 2018: 21.2%FY 2019: 9.3%FY 2020: 7.5%FY 2021: 70.2%FY 2022: -7.2%FY 2023: -41.1%FY 2024: -19.8%FY 2025: 16.5%
FY 2016 FY 2025
Free Cash Flow 0.0%
FY 2016: -21.2%FY 2017: 213.3%FY 2018: -21.1%FY 2019: 22.0%FY 2020: -110.3%FY 2021: 2572.1%FY 2022: -320.7%FY 2023: 246.8%FY 2024: -90.4%FY 2025: 0.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2016: 2.1×FY 2017: 0.9×FY 2018: 0.5×FY 2019: 0.9×FY 2020: 1.3×FY 2021: 0.9×FY 2022: 0.6×FY 2023: 1.8×FY 2024: 1.1×FY 2025: 0.0×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 0.0×
FY 2016: 16.7×FY 2017: 4.6×FY 2018: 2.3×FY 2019: 4.3×FY 2020: -26.3×FY 2021: -15.4×FY 2022: 1.7×FY 2023: 12.1×FY 2024: 9.3×FY 2025: 0.0×
FY 2016 5y median 1.7× FY 2025
Interest Coverage 0.2×
FY 2016: 0.9×FY 2017: 1.2×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 2.0×FY 2022: 1.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 1.4%
FY 2016: 1.2%FY 2017: 1.0%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 2.1%FY 2021: 2.3%FY 2022: 2.3%FY 2023: 2.3%FY 2024: 2.5%FY 2025: 1.4%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 25.5%
FY 2016: 19.9%FY 2017: 9.5%FY 2018: 31.0%FY 2019: 9.1%FY 2020: 17.1%FY 2021: 14.8%FY 2022: 18.4%FY 2023: 23.9%FY 2024: 30.9%FY 2025: 25.5%
FY 2016 5y median 23.9% FY 2025

Annual · latest fiscal year ends 2025-12-31