Victory Z Score

VTYB -  USA Stock  

USD 13.08  0.00  0.00%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Also, please take a look at Victory Bancorp Piotroski F Score and Victory Bancorp Valuation analysis.

Victory Z Score 

 
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Victory Z Score Analysis

Victory Bancorp's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..
Z Score 
 = 
Sum Of  
 
5 Factors 
More About Z Score | All Equity Analysis

Current Victory Bancorp Z Score

    
  0.6  
Most of Victory Bancorp's fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Victory Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
First Factor
 = 
1.2 * (
Working Capital
/
Total Assets )
Second Factor
 = 
1.4 * (
Retained Earnings
/
Total Assets )
Thrid Factor
 = 
3.3 * (
EBITAD
/
Total Assets )
Fouth Factor
 = 
0.6 * (
Market Value of Equity
/
Total Liabilities )
Fifth Factor
 = 
0.99 * (
Revenue
/
Total Assets )
To calculate Z-Score one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. Z-Score can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area' with scores of less than 1, indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competition

As per the company's disclosures, Victory Bancorp has a Z Score of 0.6. This is 75.1% lower than that of the Financial Services sector and significantly higher than that of the Banks—Regional industry. The z score for all United States stocks is 93.12% higher than that of the company.

Victory Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Victory Bancorp's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the otc stocks which would be a good addition to a portfolio. Peer analysis of Victory Bancorp could also be used in its relative valuation, which is a method of valuing Victory Bancorp by comparing valuation metrics of similar companies.
Victory Bancorp is currently under evaluation in z score category among related companies.

Victory Fundamentals

About Victory Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Victory Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Victory Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Victory Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
The Victory Bancorp, Inc. operates as the bank holding company for The Victory Bank that provides commercial and consumer banking products and services for small and middle market commercial and retail customers in Montgomery County, Pennsylvania. The company was founded in 2008 and is based in Limerick, Pennsylvania. Victory Bancorp operates under BanksRegional classification in the United States and is traded on OTC Exchange.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Victory Bancorp without increasing your portfolio risk or giving up expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate.risk-adjusted returns of your individual positions relative to your overall portfolio.

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Also, please take a look at Victory Bancorp Piotroski F Score and Victory Bancorp Valuation analysis. Note that the Victory Bancorp information on this page should be used as a complementary analysis to other Victory Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.

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When running Victory Bancorp price analysis, check to measure Victory Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Victory Bancorp is operating at the current time. Most of Victory Bancorp's value examination focuses on studying past and present price action to predict the probability of Victory Bancorp's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Victory Bancorp's price. Additionally, you may evaluate how the addition of Victory Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Victory Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Victory Bancorp. If investors know Victory will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Victory Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Victory Bancorp is measured differently than its book value, which is the value of Victory that is recorded on the company's balance sheet. Investors also form their own opinion of Victory Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Victory Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Victory Bancorp's market value can be influenced by many factors that don't directly affect Victory Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Victory Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine Victory Bancorp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Victory Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.