1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Versailles Financial Corporation

Versailles Financial Corporation

VERF
Versailles Financial CorporationUS flagOther OTC
25.77
USD
-1.40
- -
11.03MMarket Cap
Versailles Financial Corporation
VERF
(Other OTC)

Recent

price

25.77

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
TTM
FRC
- -
3.06
3.87
3.76
3.72
Revenue per Share
- -
0.39
0.53
0.39
0.34
Basic EPS, GAAP
- -
-0.05
1.09
-2.68
-1.95
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
Dividend per Share
- -
18.62
20.68
20.99
21.01
Book Value per Share
- -
24.76
27.77
27.5
27.54
Tangible Book Value per Share
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
1
1
2
1
1
Sales/Revenue/Turnover
18.32
18.98
20.74
15.73
10.7
Operating Margin (%)
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
Net Income, GAAP
33.17
33.34
33.52
33.69
33.63
Effective Tax Rate (%)
12.24
12.65
13.79
10.43
9.06
Profit Margin (%)
- -
- -
- -
- -
- -
Working Capital
8
8
6
5
5
LT Debt
7
11
11
11
11
Total Equity
- -
1
1.2
0.95
0.62
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
2.1
2.61
1.89
1.62
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'12
Jun'12
Sep'13
ST Debt
- -
- -
- -
LT Borrowings
6
5
5
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Mar'12
Jun'12
Sep'13
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6
6
7
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
-0.53%
Free Cash Flow
- -
- -
-347.25%
Net Income, GAAP
- -
- -
-26.15%
Sales/Revenue/Turnover
- -
- -
-2.36%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2011
- -
- -
- -
- -
2
2012
- -
- -
- -
- -
1
2013
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2011
0.11
0.11
0.14
- -
0.53
2012
0.1
0.07
0.14
- -
0.39
2013
0.04
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2011
- -
- -
- -
- -
- -
2012
- -
- -
- -
- -
- -
2013
- -
- -
- -
- -
- -
Similar Companies
Deutsche Bank AG (DBK.DE)
Farmers Bankshares, Inc. (FBVA)
Suryoday Small Finance Bank Limited (SURYODAY.BO)
Sberbank of Russia (SBER.IL)
Umpqua Holdings Corporation (UMPQ)
Erste Bank Polska S.A. (EBP.WA)
Business
Versailles Financial Corporation (VERF) operates as the thrift holding company for Versailles Savings and Loan Company, a community bank providing retail banking products and services primarily in Darke and Shelby counties, Ohio. The company offers deposit products including checking accounts, money market accounts, passbook savings accounts, statement savings accounts, time deposit accounts, business accounts, individual retirement accounts (IRAs), and certificates of deposit; real estate loans such as fixed-rate and variable-rate mortgages, construction/permanent loans, building lot loans, home improvement loans, and first-time homebuyer programs; consumer loans for new and used cars, light trucks, motorcycles, watercraft, recreational vehicles, and personal needs; and commercial loans including commercial real estate. It also provides debit cards, mobile banking applications, and online banking services to individual and business customers in its local market. Founded in 1887 and headquartered at 10413 Kley Road, PO Box 92, Versailles, Ohio 45380, the company maintains operations focused on the banking segment without reported subsidiaries or parent relationships. In November 2025, Versailles Financial Corporation announced its annual dividend of $0.75 per share, payable on December 19, 2025, to shareholders of record as of December 5, 2025, reflecting ongoing commitment to shareholder returns amid stable financial performance with total assets reaching $61.59 million in Q3 2025.