Vallant Financial, Inc. (VLNT)

Vallant Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	38.15	45.2	58.7	45.1	90.91	70.09
Investment Securities	532.49	209.08	285.32	253.45	225.36	488.44
Trading Asset Securities	-	-	0.03	0.21	0.24	-
Mortgage-Backed Securities	-	206.3	179.83	189.78	185.8	167.33
Total Investments	532.49	415.38	465.18	443.44	411.4	655.77
Gross Loans	3,011	1,695	1,560	1,531	1,426	1,190
Allowance for Loan Losses	-38.92	-21.02	-20.28	-20.27	-17.02	-13.89
Other Adjustments to Gross Loans	-	-4.01	-3.36	-3.67	-4.15	-4.28
Net Loans	2,972	1,670	1,537	1,507	1,405	1,172
Property, Plant & Equipment	83.05	48.25	43.24	42.74	42.72	38.14
Goodwill	-	32.96	32.96	32.96	32.96	32.96
Other Intangible Assets	133.45	0.87	1.26	1.64	2.02	2.4
Loans Held for Sale	-	5.45	5.96	0.32	2.18	2.04
Accrued Interest Receivable	16.16	15.63	13.59	12.94	6.55	5.11
Other Real Estate Owned & Foreclosed	0.83	1.99	0.42	-	-	1
Other Long-Term Assets	81.02	27.14	30.32	28.69	42.13	28.32
Total Assets	3,860	2,265	2,190	2,119	2,037	2,009

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	2,363	1,251	1,252	1,163	1,147	1,168
Institutional Deposits	-	110.78	115.23	91.97	34.36	48.41
Non-Interest Bearing Deposits	946.62	625.58	590.23	609.98	674.11	582.84
Total Deposits	3,310	1,987	1,958	1,865	1,856	1,799
Short-Term Borrowings	0.59	1.31	0.7	1.13	4.97	6.59
Current Portion of Leases	-	0.91	-	0.73	0.67	-
Accrued Interest Payable	5.56	3.15	4.32	4.32	0.54	0.65
Long-Term Debt	24.28	24.75	24.7	24.65	24.6	24.55
Federal Home Loan Bank Debt, Long-Term	-	-	-	55	-	3
Long-Term Leases	-	4.56	6.15	3.33	3.67	-
Trust Preferred Securities	11.34	7.22	7.22	7.22	7.22	7.22
Pension & Post-Retirement Benefits	-	1.35	1.31	1.22	1.15	1.45
Other Long-Term Liabilities	42.49	17.2	7.71	5.45	4.9	4.5
Total Liabilities	3,394	2,048	2,010	1,968	1,904	1,847

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	324.75	82.7	82.7	69.23	74.57	69.99
Retained Earnings	189.34	164.73	141.66	122.94	109.77	92.73
Comprehensive Income & Other	-47.88	-30.04	-44.16	-41.32	-50.91	-0.47
Shareholders' Equity	466.21	217.39	180.2	150.85	133.42	162.25
Total Liabilities & Equity	3,860	2,265	2,190	2,119	2,037	2,009

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	36.22	38.73	38.76	92.06	41.13	41.36
Net Cash (Debt)	41.66	36.79	116.46	2.95	68.03	308.15
Net Cash Growth	26.37%	-68.41%	3853.57%	-95.67%	-77.92%	50.38%
Net Cash Per Share	2.14	2.64	8.45	0.21	4.95	23.88
Filing Date Shares Outstanding	24.91	1.37	1.38	1.28	1.28	1.25
Total Common Shares Outstanding	24.91	1.37	1.38	1.28	1.28	1.25
Book Value Per Share	18.71	158.78	131.01	117.54	103.93	129.62
Tangible Book Value	332.76	183.56	145.99	116.26	98.45	126.89
Tangible Book Value Per Share	13.36	134.08	106.14	90.58	76.68	101.37

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 8, 2026

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