Wvs Financial
- Company typePublic
- Founded1908
- HeadquartersPittsburgh, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
Wvs Financial firmographics
Firmographics- Name
- Wvs Financial
- Legal name
- West View Savings Bank
- Website
- https://wvsbank.com
- Company type
- Public
- Founded year
- 1908
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Wvs Financial industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
Keywords
Where Wvs Financial is headquartered
LocationHeadquarters
- HQ city
- Pittsburgh
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Wvs Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Loans: Primary revenue source from interest earned on mortgage loans (residential and commercial), home equity loans, and small business loans. Rates vary by product type and term length.
- Deposit Interest Spreads: Earning interest spread between lower rates paid to depositors on savings, CDs, and checking accounts versus higher rates charged on loans.
- Deposit Account Fees: Monthly service charges, minimum balance fees, and per-item charges on accounts when balance requirements are not met. Fee waivers for seniors 62+, high-balance customers, and Select Service Club members.
- Service Fees: Fees for wire transfers, stop payments, safe deposit boxes, notary services, cashier's checks, certified checks, coin counting, and check ordering.
- Bill Pay Service: Online bill payment service potentially generating transaction fees for processing payments through third-party provider.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Certificates of Deposit - 91 Day to 10 Year terms |
| Unit Pricing | Monthly | Premiere Money Market Fund |
| Unit Pricing | Monthly | First Mortgage Loans - Conforming |
| Unit Pricing | Monthly | Home Equity Loans - Fixed Rate |
| Subscription | Monthly | Val-U-Cheque Free Checking |
| Subscription | Monthly | Regular Checking |
| Subscription | Monthly | Business Checking |
| Subscription | Monthly | Select Service Club Benefits |
| Unit Pricing | Monthly | Passbook Savings |
| Unit Pricing | Annual | Christmas Club Account |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Wvs Financial product offering
Product offeringCore offering
West View Savings Bank, a subsidiary of WVS Financial Corp., is a Pennsylvania-chartered, FDIC-insured community bank serving consumers and small businesses in the North Hills of Pittsburgh from five branch offices. Its core offering comprises deposit products (checking, savings, money market, CDs, IRAs, Coverdell ESA), consumer lending (residential mortgages, home equity loans and lines of credit), commercial lending (commercial/investment/multi-family real estate and small business loans), and supporting services (debit cards, online and mobile banking, bill pay, safe deposit boxes, wire transfers, and notary services).
Product overview
West View Savings Bank is a Pennsylvania-chartered community bank offering a comprehensive suite of traditional banking products and services. The portfolio includes multiple checking accounts (Val-U-Cheque Free Checking, Regular Checking, Business Checking, and Organization Checking), savings products (Passbook Savings, Christmas Club, Certificates of Deposit, Traditional IRA, Roth IRA, Coverdell ESA), money market accounts (Premiere Money Market Fund), residential and commercial lending products (Mortgages, Home Equity Loans/LOC, Commercial Real Estate Loans, Small Business Loans), and digital banking services (Online Banking, Mobile Banking, Bill Pay). Additional services include debit cards (VISA network), wire transfers, safe deposit boxes, notary services, and a Select Services Club premium tier. The bank operates from five locations in the North Hills of Pittsburgh area and is publicly traded as WVS Financial Corp. (OTC: WVFC).
Differentiator
Problem solved
Functional benefit
Products and services
- Val-U-Cheque Free Checking Economical consumer checking account with no minimum balance, no per-check fees, unlimited check writing, and free WVSB Debit Card and online/mobile banking; requires $50 minimum to open.
- Regular Checking Interest-bearing consumer checking account that waives the monthly service charge for customers age 62+, those maintaining $750+ average daily balance, or holders with $25,000+ in other WVSB deposit accounts.
- Premiere Money Market Fund Tiered interest-bearing money market account with rates scaled from $1,000 to $50,000+ balances; $2,500 minimum deposit to open and $1,000 average daily balance required to earn interest.
- Business Checking Small business checking account with no per-check and per-item deposit charges; monthly service charge waived with $1,000 average daily balance.
- Organization Checking Checking account for groups and organizations with no per-item charge; monthly service charge waived with $750 average daily balance, and interest paid on balances of $5,000 or more.
- Passbook Savings Traditional passbook savings account with $50 minimum to open; no monthly service charge at $100+ average daily balance, with interest paid on balances of $100 or more.
- Christmas Club Account Seasonal holiday savings account with $20 minimum to open; interest paid on balances of $100 or more.
- Certificates of Deposit Fixed-rate CDs with terms from 91 days to 10 years; minimums of $2,500 for short-term CDs and $500 for 1–10 year terms, with special in-branch promotional CDs at higher APYs; early withdrawal penalties apply.
- Traditional IRA Tax-deferred IRA with no annual fees; deposits accepted into term certificates, passbook savings, or the Premiere Money Market Fund.
- Roth IRA Roth IRA offering tax-free qualified withdrawals after five years and age 59½; no annual fees, deposits accepted into various WVSB accounts.
- Coverdell Education Savings Account (ESA) Education savings account with tax-free growth for qualified beneficiary education expenses; deposits accepted into term certificates, passbook savings, or the Premiere Money Market Fund.
- Residential Mortgage Loans Fixed- and adjustable-rate home purchase and refinance loans with conforming balances up to $832,750 and jumbo balances above $1,500,000; originated under NMLS #662375.
- Home Equity Loans Fixed-rate term loans using home equity up to 80% LTV; available as 1st or 2nd lien with terms from 36 to 240 months.
- Home Equity Lines of Credit Variable-rate revolving credit line using home equity up to 75% LTV; 6.95% introductory rate for the first 12 months with semi-annual adjustments thereafter.
- Commercial, Investment and Multi-Family Real Estate Loans Loans for commercial, investment, and multi-family residential properties for new financing or refinancing; terms determined on a case-by-case basis.
- Small Business Loans Secured loans for business establishment or expansion, collateralized by inventory or other business assets.
- Online Banking 24/7 secure online banking for personal and business account access, including balance viewing, transaction history, fund transfers, loan payments, stop payments, and check reordering.
- Mobile Banking WVSB Mobile Banking app for iOS and Android providing account access, transaction viewing, fund transfers between WVSB checking accounts, and a branch/ATM location finder.
- Bill Pay Online bill payment service (third-party platform) for fixed monthly payments, variable payments, scheduled future payments, and secure payment history storage; separate enrollment and login required.
- WVSB Debit Card VISA-branded debit card accepted anywhere VISA is accepted, usable at ATMs and for in-person purchases.
- Safe Deposit Boxes Secure document and valuables storage at the Franklin Park, Cranberry Township, and McCandless Township banking offices, accessible during business hours.
- Wire Transfer Services Domestic and international wire transfer services for moving funds quickly between accounts, available through branch offices.
- Select Services Club Premium relationship tier bundling fee waivers and discounts (25% safe deposit box, free notary, free signature guarantees, free stop payments, free WVSB Debit Card, cashier's checks, money orders, teller checks) for customers maintaining $25,000+ in WVSB deposit accounts.
Companies that use Wvs Financial
Customer profileSegments3 records
Ideal customer profiles2 records
Wvs Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature1 record
Wvs Financial partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- Credit Card CompaniesminorJoint marketing partners for providing West View Savings Bank credit cards to customers. These nonaffiliated financial companies perform marketing services on behalf of the bank for credit card products.
- Credit Life and Accident Health Insurance CompaniesminorInsurance providers partnered with West View Savings Bank for providing credit life and accident health insurance to loan customers. These nonaffiliated companies provide insurance products marketed alongside bank lending products.
- ComputershareminorTransfer Agent and Registrar for WVS Financial Corp. common stock. Located at P.O. Box 30170, College Station, TX 77842. Provides stock transfer and registrar services for publicly traded shares.
- Deluxe CorporationminorThird-party check printing partner for online check reordering. Customers can securely order checks through Deluxe's online ordering system integrated on the bank's website.
Scale indicators3 records
Recent moves6 records
Expansion highlights3 records
Wvs Financial competitors and assessment
Company assessmentDirect peers
- ESSA Bancorp, Inc. Pennsylvania-chartered savings bank holding company (ESSA) of similar scale, focused on residential mortgage lending and retail deposits. Closely matched thrift-style business model and geographic anchoring in Pennsylvania.
- Citizens Financial Services, Inc. Pennsylvania community bank holding company (CZFS) operating First Citizens Community Bank, with a similar deposit-funded loan book concentrated in rural/small-town Pennsylvania markets.
- FNCB Bancorp, Inc. Pennsylvania-based community bank holding company (FNCB Bancorp, NCSB) of comparable size, operating a similar deposit-and-residential-mortgage model in small-town Pennsylvania markets. Direct operating model and asset-size analogue.
- Penns Woods Bancorp, Inc. Pennsylvania community bank holding company (PWOD) operating Jersey Shore State Bank and Luzerne Bank, with a comparable mix of retail deposits, mortgage lending, and small-business banking.
- Codorus Valley Bancorp, Inc. Pennsylvania-headquartered community bank holding company (CVLY) operating PeoplesBank, with a comparable retail/commercial banking mix in south-central and central Pennsylvania. Similar asset size and product breadth.
- Emclaire Financial Corp. Western Pennsylvania community bank holding company (EMCF) with comparable asset size and a similar mix of retail deposits, residential mortgages, and small-business lending. Directly comparable community-bank franchise.
Regional players
- Northwest Bancshares, Inc. Multi-state savings bank holding company (NWBI) headquartered in the broader Northeast/Midwest region. Larger and geographically diversified but a closely comparable thrift-style mortgage-and-deposit model.
- S&T Bancorp, Inc. Western Pennsylvania-based regional bank holding company (STBA) operating S&T Bank, headquartered in Indiana, PA. Larger in scale but serving overlapping Pittsburgh-area commercial and retail banking customers.
Broad incumbents
- PNC Financial Services Group, Inc. Pittsburgh-headquartered national banking giant (PNC) with a dense branch and digital presence across WVSB's market. Competes head-on for retail deposits, mortgages, and small-business customers — a benchmark scale competitor.
- First National Bank of Pennsylvania (FNB Corporation): Large Pittsburgh-headquartered regional bank (FNB) with a meaningful presence across WVSB's North Hills footprint. Overlaps in retail deposits, mortgages, and small-business lending — but at far greater scale and product breadth.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Wvs Financial social profiles
Digital presenceWvs Financial compliance and trust
Trust signalCompliance2 records
Wvs Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wvs Financial leadership team
Management profileNumber of profiles
Profiles1 record
Wvs Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wvs Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wvs Financial
What does Wvs Financial do?
West View Savings Bank, a subsidiary of WVS Financial Corp., is a Pennsylvania-chartered, FDIC-insured community bank serving consumers and small businesses in the North Hills of Pittsburgh from five branch offices. Its core offering comprises deposit products (checking, savings, money market, CDs, IRAs, Coverdell ESA), consumer lending (residential mortgages, home equity loans and lines of credit), commercial lending (commercial/investment/multi-family real estate and small business loans), and supporting services (debit cards, online and mobile banking, bill pay, safe deposit boxes, wire transfers, and notary services).
Is Wvs Financial a public or private company?
Wvs Financial is a public company. It is classified as public and is currently operating.
When was Wvs Financial founded?
Wvs Financial was founded in 1908. It employs 11 to 50 people.
Where is Wvs Financial based?
Wvs Financial is headquartered in Pittsburgh, United States, in the North America region.
How does Wvs Financial make money?
Five revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Interest Spreads, deposit Account Fees, service Fees and bill Pay Service.
Who are Wvs Financial's main competitors?
Direct peers on record are ESSA Bancorp, Inc., Citizens Financial Services, Inc., FNCB Bancorp, Inc., Penns Woods Bancorp, Inc., Codorus Valley Bancorp, Inc. and Emclaire Financial Corp.. Regional players are Northwest Bancshares, Inc. and S&T Bancorp, Inc.. Broad incumbents are PNC Financial Services Group, Inc. and First National Bank of Pennsylvania (FNB Corporation).
Does Wvs Financial have an API?
No public API is recorded for Wvs Financial.
What industry is Wvs Financial in?
Wvs Financial's product category is Community Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned). Its NAICS code is 522180 and its SIC code is 6036.