Versailles Financial Corporation (VERF) Stock Analysis
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.
Versailles Financial Corporation (VERF) trades at $25.77 with AI Score 53/100 (Grade B). Versailles Financial Corporation (VERF) is a regional financial services provider specializing in a wide range of deposit and loan products. Market cap: $11.0M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for VERF: VERF 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 VERF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
VERF: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Versailles Financial Corporation (VERF) Financial Services Profile
Versailles Financial Corporation is a regional thrift holding company that offers diverse financial products and services, focusing on community banking with a strong emphasis on customer relationships and local market knowledge.
What Is the Investment Thesis for VERF?
Versailles Financial Corporation presents a solid investment thesis driven by its strong profit margin of 27.5% and a P/E ratio of 15.27, indicating effective cost management and profitability relative to its earnings. The company’s focus on community banking allows it to build strong customer relationships, which is critical in a competitive regional market. The expansion of its loan offerings, particularly in real estate and consumer loans, positions it well to capture growth in local markets. Furthermore, the company's online banking services enhance customer convenience, potentially attracting a broader demographic. Ongoing economic recovery in the region may also bolster demand for its financial products, providing additional growth opportunities over the next few years.
Based on FMP financials and quantitative analysis
VERF Key Highlights
Market Cap of $11.0M reflects a niche market presence in regional banking.
- P/E ratio of 15.27 indicates competitive valuation relative to peers.
- Profit margin of 27.5% showcases strong operational efficiency.
- Gross margin of 100.0% highlights the company's effective cost structure.
- Dividend yield of 2.96% provides a return to shareholders amidst stable earnings.
Who Are VERF's Competitors?
VERF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CCFC CCSB Financial Corp. | $12.15 | +0.00% | $8.73M | 45 |
| FPBC First Pacific Bancorp | $8.30 | +0.00% | $16.1M | 49 |
| GLST Global Star Acquisition, Inc. Class A Common Stock | $6.56 | -8.89% | $19.4M | 44 |
| IDFB Peak Bancorp Inc. | $12.00 | -0.08% | $9.51M | 49 |
| 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 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are VERF's Key Strengths?
Long-standing reputation and trust within the community.
- Strong profit margins indicating operational efficiency.
- Diverse range of financial products tailored to local needs.
- Low beta of 0.16 suggesting stability in market fluctuations.
What Are VERF's Weaknesses?
Limited geographic reach may restrict growth potential.
- Dependence on local economic conditions for loan performance.
- Smaller scale compared to larger regional banks.
What Could Drive VERF Stock Higher?
Expansion of digital banking services to attract a younger demographic.
- Strong loan demand in the local housing market supporting growth.
- Community engagement initiatives enhancing brand loyalty.
What Are the Key Risks for VERF?
Financial-distress signal — its Altman Z-Score of 0.45 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns impacting loan performance and deposit growth.
- Increasing competition from larger banks affecting market share.
- Regulatory changes that may raise compliance costs.
What Are the Growth Opportunities for VERF?
- Growth opportunity 1: Expansion of loan offerings: The U.S. mortgage market is projected to grow significantly, with estimates suggesting a compound annual growth rate (CAGR) of 4.5% over the next five years. Versailles Financial Corporation can leverage this growth by enhancing its real estate loan products, particularly for first-time homebuyers, thus capturing a larger share of the local market.
- Growth opportunity 2: Digital banking services: The digital banking sector is expected to grow at a CAGR of 10% through 2028. By investing in technology and enhancing its online banking platform, Versailles Financial Corporation can attract tech-savvy customers and improve service delivery, increasing its overall customer base.
- Growth opportunity 3: Community engagement initiatives: As local communities increasingly value corporate social responsibility, Versailles Financial Corporation has the opportunity to strengthen its community ties through sponsorships and financial literacy programs. This can enhance brand loyalty and attract new customers looking for socially responsible banking options.
- Growth opportunity 4: Diversification of financial products: Expanding into new financial products such as investment services or insurance could provide additional revenue streams. The financial services market is projected to grow, and by offering a broader range of services, Versailles can meet more customer needs and drive growth.
- Growth opportunity 5: Strategic partnerships: Forming partnerships with local businesses and organizations can enhance Versailles Financial Corporation's market presence. By collaborating on community events or financial education programs, the company can increase its visibility and attract new customers.
What Are VERF's Competitive Advantages?
- Strong local presence fosters customer loyalty and trust.
- Personalized banking services differentiate from larger competitors.
- Established brand with over a century of community engagement.
- Focused product offerings tailored to local market needs.
What Does VERF Do?
Founded in 1887, Versailles Financial Corporation operates as the thrift holding company for Versailles Savings and Loan Company, providing a comprehensive range of financial products and services primarily in Darke and Shelby counties, Ohio. The company has evolved over the years, adapting to the changing financial landscape while maintaining its commitment to community banking. Its product offerings include various deposit accounts such as checking accounts, money market accounts, and certificates of deposit, catering to both individual and business customers. Additionally, Versailles Financial Corporation provides a variety of loan products, including real estate loans, consumer loans for vehicles and recreational equipment, and commercial loans. The company also emphasizes modern banking solutions by offering online banking services and debit cards, ensuring convenience for its customers. With a strong local presence and a focus on personalized service, Versailles Financial Corporation positions itself as a trusted financial partner within its communities, continuously striving to meet the evolving needs of its customer base.
What Products and Services Does VERF Offer?
- Provide a variety of deposit accounts including checking, savings, and certificates of deposit.
- Offer real estate loans for home purchases, construction, and home improvements.
- Facilitate consumer loans for vehicles, motorcycles, and recreational equipment.
- Extend commercial loans to local businesses for operational needs.
- Deliver online banking services for convenient account management.
- Issue debit cards for easy access to funds.
How Does VERF Make Money?
- Generate revenue through interest on loans and fees from deposit accounts.
- Earn income from service fees associated with online banking and account management.
- Capitalize on interest rate spreads between deposits and loans.
- Leverage community relationships to attract and retain customers.
What Industry Does VERF Operate In?
The regional banking industry is characterized by increasing competition and a focus on customer service. With a market that is gradually recovering post-economic downturn, banks like Versailles Financial Corporation are well-positioned to capitalize on local lending opportunities. The demand for personalized banking services is on the rise as consumers seek more tailored financial solutions. Additionally, regulatory changes continue to shape the landscape, compelling banks to enhance their service offerings and improve operational efficiencies. As a regional player, Versailles Financial Corporation competes with other local banks, such as CCFC, FNFPA, FPBC, GLST, and IDFB, which all vie for market share in the same geographic areas.
Who Are VERF's Key Customers?
- Individual consumers seeking personal banking services.
- First-time homebuyers looking for affordable mortgage options.
- Local businesses needing commercial financing.
- Residents in Darke and Shelby counties requiring financial products.
Versailles Financial Corporation (VERF) Valuation Context
Valued at $11.0M, VERF is classified as a micro-cap stock. Relative to its peer group, VERF's quantitative score of 53/100 is roughly in line with the peer average of 56/100.
VERF Revenue & Earnings Trend
In Q1 2026, VERF generated $765K in top-line revenue, marking a sequential decrease of 0.5%. The company recorded net income of $185K, with diluted EPS of $0.58. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, VERF averaged $0.37 in diluted EPS.
Company Profile
Versailles Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Versailles, US. The company is led by CEO Jerome F. Bey. VERF has traded publicly since 2016.
Key Financial Metrics
Return on equity for Versailles Financial Corporation stands at 3.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. VERF trades at a trailing price-to-earnings ratio of 16.93, roughly in line with 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 5.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Versailles Financial Corporation'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 0.45 places it in the distress zone, a signal of elevated financial risk.
VERF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing reputation and trust within the community.
- Strong profit margins indicating operational efficiency.
- Diverse range of financial products tailored to local needs.
- Low beta of 0.16 suggesting stability in market fluctuations.
Bear Case
- Limited geographic reach may restrict growth potential.
- Dependence on local economic conditions for loan performance.
- Smaller scale compared to larger regional banks.
- Potential: Economic downturns impacting loan performance and deposit growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $764,847 | $184,621 | $0.58 |
| Q4 2025 | $768,635 | $25,766 | $0.08 |
| Q3 2025 | $760,845 | $140,886 | $0.45 |
| Q2 2025 | $504,970 | $132,175 | $0.38 |
Based on FMP financials and quantitative analysis
VERF Latest News
No recent news available for VERF.
VERF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for VERF.
Price Targets
Wall Street price target analysis for VERF.
VERF MoonshotScore
What does this score mean?
The MoonshotScore rates VERF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Jerome F. Bey
CEO
Jerome F. Bey has a robust background in financial services, having served in various leadership roles within the banking industry. He holds a degree in Finance from a reputable institution and has over 20 years of experience in community banking. His career has been marked by a commitment to enhancing customer service and operational efficiency.
Track Record: Under his leadership, Versailles Financial Corporation has seen significant improvements in profitability and customer satisfaction. Jerome has implemented strategic initiatives that have expanded the company's product offerings and strengthened its community ties.
VERF OTC Market Information
OTC Other tier stocks, like Versailles Financial Corporation, typically have less stringent reporting requirements compared to those listed on major exchanges like NYSE or NASDAQ. This can lead to lower visibility and liquidity for investors.
- OTC Tier: OTC Other
- Lower liquidity can result in higher volatility and price fluctuations.
- Less stringent reporting requirements may lead to less transparency.
- Potential for limited analyst coverage compared to larger, listed companies.
- Verify the company's financial statements and disclosures.
- Assess the management team's experience and track record.
- Review the competitive landscape and market positioning.
- Understand the regulatory environment affecting the company.
- Evaluate the company's growth strategy and market opportunities.
- Established company with over 130 years of operational history.
- Strong community ties and customer relationships.
- Consistent profitability metrics indicating sound financial management.
What Investors Ask About Versailles Financial Corporation (VERF) — Financial Services
What does the AI Score mean for VERF?
VERF holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Versailles Financial Corporation (VERF) is a regional financial services provider specializing in a wide range of deposit and loan products. Founded in 1887, it serves customers primarily in Darke …
What does Versailles Financial Corporation do?
Versailles Financial Corporation operates as a thrift holding company, providing a range of financial services including various deposit accounts, real estate loans, consumer loans, and commercial loans. The company focuses on serving customers in Darke and Shelby counties, emphasizing personalized service and community engagement.
What do analysts say about VERF stock?
Analyst consensus on Versailles Financial Corporation indicates a focus on its strong profit margins and steady growth potential. Key valuation metrics suggest that the company is competitively positioned within the regional banking sector, although specific recommendations may vary based on individual analyst perspectives.
What are the main risks for VERF?
Versailles Financial Corporation faces several risks including economic downturns that could negatively impact loan performance and deposit growth. Additionally, increasing competition from larger banks poses a threat to its market share, while regulatory changes may lead to higher compliance costs affecting profitability.
What are the key factors to evaluate for VERF?
Versailles Financial Corporation (VERF) holds an AI score of 53/100 (moderate). Versailles Financial Corporation presents a solid investment thesis driven by its strong profit margin of 27.5% and a P/E ratio of 15.27, indicating effective cost management and profitability relative to its earnings. Not financial advice.
How frequently does VERF data refresh on this page?
VERF's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven VERF's recent stock price performance?
Versailles Financial Corporation (VERF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing reputation and trust within the community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider VERF overvalued or undervalued right now?
Versailles Financial Corporation (VERF) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research VERF before investing?
Before investing in Versailles Financial Corporation (VERF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Data is based on available financial metrics and company information as of March 2026.