The Victory Bancorp, Inc.

The Victory Bancorp, Inc.

VTYB
The Victory Bancorp, Inc.US flagOther OTC
22.00
USD
- -
- -
43.99MMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2019 Y
2020 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
3.43
3.55
3.96
5.43
5.13
1.35
5.71
- -
6.46
7.85
8.01
7.06
7.09
7.37
Basic EPS, GAAP
0.2
0.41
0.38
0.75
0.97
0.26
1.09
- -
1.17
2.03
1.88
1.09
0.84
1.21
Free Cash Flow per Basic Share
0.78
0.58
0.46
1.62
1.13
- -
1.37
- -
-0.14
3.5
-7.66
11.22
1.07
- -
Dividend per Share
0.11
0.11
0.09
0.08
0.08
- -
0.1
- -
0.2
0.3
0.35
0.26
0.26
- -
Book Value per Share
-1
-0.59
0.01
1.02
1.79
2.03
2.78
- -
3.75
5.48
6.98
7.78
8.36
8.86
Tangible Book Value per Share
3.75
4.15
6.19
9.26
9.04
9.29
10.14
- -
11.29
12.92
13.32
14.18
14.87
15.7
Basic Weighted Avg Shares
2
2
2
2
2
2
2
- -
2
2
2
2
2
2
Sales/Revenue/Turnover
7
7
8
9
10
3
11
- -
13
15
16
14
14
15
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
1
1
1
2
1
2
- -
2
4
4
2
2
2
Effective Tax Rate (%)
42.55
24.16
35.14
39.67
22
20.5
22.51
- -
21.88
17.67
20.68
21.52
21.75
21.56
Profit Margin (%)
9.05
14.63
11.93
14.73
18.99
19.13
19.11
- -
18.07
25.82
23.47
15.38
11.88
16.36
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
13
24
31
15
7
10
11
18
28
23
17
17
21
17
Total Equity
13
11
15
16
18
18
20
20
22
25
26
28
29
31
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
144.23
72.38
13.53
45.34
- -
35.47
43.9
30.28
14.73
10.44
14.38

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
12
- -
- -
LT Borrowings
21
17
17
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
21
20
23

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
44
23
24
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
12
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.23%
7.95%
4.97%
Free Cash Flow
- -
-668.08%
-90.42%
Net Income, GAAP
- -
1.94%
-22.37%
Sales/Revenue/Turnover
- -
5.28%
0.5%
Total Cash Common Dividend
- -
28.54%
0.2%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
4
3
3
3
14
2024
3
3
4
4
14
2025
4
4
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.34
0.23
0.28
- -
1.09
2024
0.12
0.15
0.3
- -
0.84
2025
0.27
0.35
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.26
2024
- -
- -
- -
- -
0.26
2025
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Joseph W. Major
Full Time Employees
52
Sector
Financial Services
Industry
Banks - Regional
Address
548 North Lewis Road Limerick PA United States of America 19468
IPO Date
Feb 8, 2018
Business
The Victory Bancorp, Inc. (OTCQX: VTYB) operates as the bank holding company for The Victory Bank, a Pennsylvania-chartered commercial bank that provides a broad range of commercial and consumer banking products and services to individuals, small- to medium-sized businesses, professionals, and municipalities primarily in Montgomery, Chester, and Berks Counties in Southeastern Pennsylvania. The Victory Bank offers deposit products including checking accounts, savings and money market accounts, certificates of deposit, certificate of deposit account registry service, insured cash sweep, insured deposit sweep checking, and insured deposit sweep checking and escrow management accounts; personal lending products such as secured and unsecured lines of credit, secured and unsecured personal term loans, home mortgages, and home equity lines of credit; commercial loans encompassing agriculture, commercial, construction, and commercial real estate lending; and consumer and residential real estate loans. Additional services include business cash management, remote deposit capture, merchant services, lock box, positive pay, ACH services, Autobooks for invoicing and payments, online and mobile banking, bill pay, e-statements, digital wallet, large deposit solutions, trade finance, government banking, and e-banking. The company maintains its headquarters at 548 North Lewis Road, Limerick, Pennsylvania, with The Victory Bank founded in 2008. In September 2025, The Victory Bancorp entered into a definitive agreement to be acquired by QNB Corp. (OTCQX: QNBC) in an all-stock transaction valued at approximately $40.97 million, implying $19.58 per share for Victory common stock; the deal, which contemplates Victory shareholders receiving 0.5500 QNB shares per Victory share and projects over 35% accretion to Victory's 2026 EPS, awaits regulatory approvals and shareholder votes with an expected close in Q4 2025 or Q1 2026.

Company News

APIChat
  • The Victory Bancorp, Inc. 2025 Third Quarter Earnings

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • The Victory Bancorp, Inc. 2025 Second Quarter Earnings

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • The Victory Bank to Celebrate Grand Opening of New Horsham Branch with an Exclusive CD Special, Business Offers, and Grand Prize Trip to Maui, Hawaii

  • The Victory Bancorp, Inc. 2025 First Quarter Earnings

  • The Victory Bank Announces Opening of New Branch in Horsham, Offering Personalized Service and Local Banking Solutions

  • The Victory Bank Announces Upcoming Opening of Second Retail Branch, Bringing Personalized Banking Closer to You

  • The Victory Bancorp, Inc. to Present at the Banking Virtual Investor Conference March 6th

  • The Victory Bancorp, Inc. Announces 2024 Fourth Quarter Earnings

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • The Victory Bancorp, Inc. Announces Pricing and Closing of Private Placement of Subordinated Notes

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • The Victory Bancorp, Inc., Announces 2024 Third Quarter Earnings

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • The Victory Bancorp, Inc., Announces 2024 Second Quarter Earnings

  • Victory Bancorp, Inc. Declares Quarterly Dividend

  • The Victory Bancorp, Inc., Announces 2024 First Quarter Earnings

  • The Victory Bancorp Welcomes Kenneth Lawrence to its Board of Directors