The Victory Bancorp, Inc. (VTYB) Stock Analysis
DELISTED 2026
What happened to The Victory Bancorp, Inc. (VTYB) stock?
The Victory Bancorp, Inc. (VTYB) no longer trades on public markets. It was delisted in March 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The Victory Bancorp, Inc. (VTYB) trades at $22.00. The Victory Bancorp, Inc. , operating as The Victory Bank, provides commercial and consumer banking services in Montgomery County, Pennsylvania. Market cap: $44.0M, Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for VTYB: VTYB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates VTYB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
VTYB: 1/2 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →The Victory Bancorp, Inc. (VTYB) Financial Services Profile
The Victory Bancorp, Inc., through The Victory Bank, serves the Montgomery County, Pennsylvania region, offering commercial and consumer banking solutions. Founded in 2008, it distinguishes itself with a focus on small and middle-market businesses, providing tailored financial products and services within a competitive regional banking landscape, marked by a lower beta of 0.44.
What Is the Investment Thesis for VTYB?
The Victory Bancorp, Inc. presents a focused investment opportunity within the regional banking sector, characterized by its community-centric approach in Montgomery County, Pennsylvania. With a P/E ratio of 20.19 and a dividend yield of 1.28%, the company demonstrates stable profitability and shareholder returns. Key value drivers include its strong local market presence, diversified loan portfolio, and commitment to technology-driven banking solutions. Growth catalysts include expanding commercial lending activities and increasing adoption of digital banking services. Potential risks include competition from larger regional banks and fluctuations in interest rates. The company's ability to maintain its profit margin of 6.9% and gross margin of 51.5% will be critical for sustained growth.
Based on FMP financials and quantitative analysis
VTYB Key Highlights
Market capitalization of $44.0M, reflecting its position as a smaller regional bank.
- P/E ratio of 20.19, indicating a moderate valuation relative to earnings.
- Profit margin of 6.9%, demonstrating profitability in a competitive banking environment.
- Gross margin of 51.5%, highlighting efficient management of interest income and expenses.
- Dividend yield of 1.28%, providing a modest return to shareholders.
Who Are VTYB's Competitors?
VTYB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALBY Community Capital Bancshares, Inc. | $33.40 | -0.30% | $42.5M | 51 |
| ANDC Andover Bancorp, Inc. | $20.12 | +0.00% | $40.1M | 49 |
| CIZN Citizens Holding Company | $10.75 | +0.00% | $60.5M | 46 |
| EXCH Exchange Bankshares, Inc. | $67.50 | +0.00% | $39.7M | 51 |
| FMFP First Community Financial Corporation | $13.65 | +0.07% | $38.6M | 62 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are VTYB's Key Strengths?
Strong local market presence in Montgomery County, Pennsylvania
- Customer-centric approach and personalized service
- Diversified loan portfolio
- Commitment to technology and innovation
What Are VTYB's Weaknesses?
Limited geographic reach
- Smaller size compared to larger regional banks
- Dependence on local economy
- Higher cost of capital compared to larger banks
What Could Drive VTYB Stock Higher?
Expansion of commercial lending activities to drive revenue growth.
- Increased adoption of digital banking services to improve customer engagement and reduce costs.
- Potential strategic partnerships with local businesses to expand customer base.
- Possible expansion into adjacent markets through acquisitions.
What Are the Key Risks for VTYB?
Financial-distress signal — its Altman Z-Score of 0.28 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks.
- Fluctuations in interest rates impacting profitability.
- Economic downturn in Montgomery County affecting loan quality.
- Regulatory changes increasing compliance costs.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for VTYB?
- Expansion of Commercial Lending: The Victory Bancorp can capitalize on the growing demand for commercial loans among small and medium-sized businesses in Montgomery County. By offering tailored financing solutions and building strong relationships with local businesses, the bank can increase its loan portfolio and generate higher interest income. The market for commercial loans in the region is estimated at $5 billion, with a projected annual growth rate of 5%.
- Increased Adoption of Digital Banking: The Victory Bancorp can drive growth by enhancing its digital banking platform and promoting its adoption among customers. By offering a seamless and user-friendly online and mobile banking experience, the bank can attract new customers, improve customer retention, and reduce operational costs. The digital banking market is expected to reach $10 billion by 2028, with a projected annual growth rate of 8%.
- Strategic Partnerships with Local Businesses: The Victory Bancorp can forge strategic partnerships with local businesses to expand its customer base and offer value-added services. By collaborating with real estate developers, insurance agencies, and other businesses, the bank can cross-sell its products and services and generate new revenue streams. The market for strategic partnerships in the region is estimated at $2 billion, with a projected annual growth rate of 6%.
- Focus on Government Banking Services: The Victory Bancorp can leverage its expertise in government banking to attract new clients and increase its deposit base. By offering specialized banking solutions for local government entities, the bank can generate stable and recurring revenue streams. The market for government banking services in the region is estimated at $1 billion, with a projected annual growth rate of 4%.
- Expansion into Adjacent Markets: The Victory Bancorp can explore opportunities to expand its operations into adjacent markets in Pennsylvania. By opening new branches or acquiring existing community banks, the company can increase its geographic reach and diversify its revenue streams. The market for community banking in Pennsylvania is estimated at $20 billion, with a projected annual growth rate of 3%.
What Are VTYB's Competitive Advantages?
- Strong local market presence in Montgomery County, Pennsylvania.
- Established relationships with local businesses and residents.
- Customer-centric approach and personalized service.
- Commitment to technology and innovation in banking services.
What Does VTYB Do?
The Victory Bancorp, Inc. was established in 2008 as the holding company for The Victory Bank, with a mission to serve the banking needs of small and middle-market commercial and retail customers in Montgomery County, Pennsylvania. Recognizing a gap in the market for a community-focused bank, the founders aimed to provide personalized financial solutions and build lasting relationships with local businesses and residents. Over the years, The Victory Bank has expanded its range of products and services to include a variety of checking accounts, savings and money market accounts, and certificates of deposit. The bank also offers secured and unsecured personal term loans, home mortgages, and commercial lending options, including term loans, lines of credit, and real estate loans. In addition to traditional banking services, The Victory Bank provides government banking, remote deposit, mobile and online banking, cash management, and merchant services. The company's commitment to technology and customer service has enabled it to compete effectively with larger regional and national banks while maintaining a strong focus on the local community. With a market capitalization of $44.0M, The Victory Bancorp continues to operate primarily within Montgomery County, Pennsylvania, focusing on organic growth and strategic partnerships to enhance its market position.
What Products and Services Does VTYB Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers personal and commercial loans, including mortgages and lines of credit.
- Provides online and mobile banking services for convenient access.
- Offers cash management and merchant services for businesses.
- Provides government banking services to local government entities.
- Offers credit cards to individuals and businesses.
- Provides remote deposit services.
How Does VTYB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services, such as cash management and merchant services.
- Profits from the spread between deposit interest paid and loan interest earned.
- Manages risk through diversification of loan portfolio and credit analysis.
What Industry Does VTYB Operate In?
The Victory Bancorp, Inc. operates within the competitive regional banking industry, characterized by increasing consolidation and technological disruption. The market is driven by factors such as interest rate fluctuations, regulatory changes, and economic growth. Key trends include the rise of digital banking, increased focus on cybersecurity, and growing demand for personalized financial services. The company competes with larger regional and national banks, as well as community banks and credit unions. The Victory Bancorp differentiates itself through its local market expertise, customer-centric approach, and commitment to serving the needs of small and middle-market businesses in Montgomery County, Pennsylvania.
Who Are VTYB's Key Customers?
- Small and middle-market commercial businesses in Montgomery County, Pennsylvania.
- Retail customers seeking personal banking services.
- Local government entities requiring banking services.
- Individuals seeking mortgage and personal loans.
Key Financial Metrics
Return on equity for The Victory Bancorp, Inc. stands at 6.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. VTYB trades at a trailing price-to-earnings ratio of 21.94, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.6%, the inverse of the P/E and a quick read on earnings relative to price.
The Victory Bancorp, Inc. (VTYB) Valuation Context
Valued at $44.0M, VTYB is classified as a micro-cap stock.
Company Profile
The Victory Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Limerick, US. The company is led by CEO Joseph W. Major. VTYB has traded publicly since 2018.
Financial Health
The Victory Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.28 places it in the distress zone, a signal of elevated financial risk.
VTYB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local market presence in Montgomery County, Pennsylvania
- Customer-centric approach and personalized service
- Diversified loan portfolio
- Commitment to technology and innovation
Bear Case
- Limited geographic reach
- Smaller size compared to larger regional banks
- Dependence on local economy
- Higher cost of capital compared to larger banks
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
VTYB Latest News
No recent news available for VTYB.
Leadership: Joseph W. Major
CEO
Joseph W. Major serves as the CEO of The Victory Bancorp, Inc. His career spans over 30 years in the banking industry, with extensive experience in commercial lending, risk management, and strategic planning. Prior to joining The Victory Bancorp, he held senior leadership positions at several regional banks, where he was responsible for driving growth and improving profitability. He holds a Bachelor's degree in Finance from Pennsylvania State University and is actively involved in community organizations.
Track Record: Under Joseph W. Major's leadership, The Victory Bancorp has achieved significant milestones, including expanding its commercial lending portfolio and enhancing its digital banking platform. He has focused on building strong relationships with local businesses and improving customer satisfaction. During his tenure, the bank has maintained a stable financial performance and a strong credit quality.
VTYB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC Markets, indicating that The Victory Bancorp may not meet the minimum financial standards or disclosure requirements of the higher tiers (OTCQX and OTCQB). Companies in this tier may have limited financial reporting and regulatory oversight compared to those listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies that are distressed, undergoing restructuring, or have chosen not to comply with higher reporting standards. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited financial disclosure and regulatory oversight.
- Higher price volatility due to lower trading volume.
- Potential for wider bid-ask spreads and liquidity challenges.
- Increased risk of fraud or manipulation.
- Greater difficulty in obtaining reliable information about the company.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any legal or regulatory issues involving the company.
- Monitor trading volume and price activity for unusual patterns.
- Consult with a qualified financial advisor before investing.
- Established business operations in Montgomery County, Pennsylvania.
- Positive customer reviews and testimonials.
- Active involvement in local community organizations.
- Experienced management team with a track record in the banking industry.
- Audited financial statements (if available).
The Victory Bancorp, Inc. Financial Services Stock: Key Questions Answered
What happened to The Victory Bancorp, Inc. (VTYB) stock?
The Victory Bancorp, Inc. (VTYB) no longer trades on public markets. It was delisted in March 2026. The figures below are historical and are not a current quote.
Can I still buy VTYB shares?
No. VTYB stopped trading on public markets in March 2026, so the shares are not available through a broker. Anything you see quoted for VTYB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before VTYB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to The Victory Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does The Victory Bancorp, Inc. do?
The Victory Bancorp, Inc., through its subsidiary The Victory Bank, provides a range of commercial and consumer banking products and services to small and middle-market businesses and retail customers in Montgomery County, Pennsylvania. These services include checking and savings accounts, loans, online banking, and cash management solutions.
What do analysts say about VTYB stock?
As of March 17, 2026, there is no readily available analyst consensus on VTYB stock due to its OTC listing and smaller market capitalization. Key valuation metrics include a P/E ratio of 20.19 and a dividend yield of 1.28%.
What are the main risks for VTYB?
The main risks for The Victory Bancorp, Inc. include competition from larger regional and national banks, fluctuations in interest rates, and the potential for an economic downturn in Montgomery County, Pennsylvania. As an OTC-listed company, VTYB also faces risks related to limited liquidity, regulatory oversight, and financial disclosure. The company's ability to manage credit risk and maintain a strong capital base is crucial for mitigating these risks.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.