NasdaqCM:WMPN

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William Penn Bancorporation

Market Cap

US$178.3m

Last Updated

2021/07/24 01:23 UTC

Data Sources

Company Financials

Executive Summary

William Penn Bancorporation operates as the holding company for William Penn Bank that provides retail and commercial banking products and related financial services in the United States. More Details


Snowflake Analysis

Excellent balance sheet unattractive dividend payer.


Similar Companies

Share Price & News

How has William Penn Bancorporation's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: WMPN is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: WMPN's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

0.4%

WMPN

-0.2%

US Mortgage

2.0%

US Market


1 Year Return

47.3%

WMPN

49.1%

US Mortgage

39.1%

US Market

Return vs Industry: WMPN matched the US Mortgage industry which returned 46.4% over the past year.

Return vs Market: WMPN exceeded the US Market which returned 36.9% over the past year.


Shareholder returns

WMPNIndustryMarket
7 Day0.4%-0.2%2.0%
30 Day-0.3%-8.2%2.3%
90 Day3.2%-12.1%3.5%
1 Year49.7%47.3%53.6%49.1%41.3%39.1%
3 Year28.7%23.5%22.3%13.0%64.0%53.8%
5 Year90.5%78.1%64.9%40.6%123.8%99.0%

Long-Term Price Volatility Vs. Market

How volatile is William Penn Bancorporation's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is William Penn Bancorporation undervalued compared to its fair value and its price relative to the market?

93.47x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: WMPN ($11.75) is trading above our estimate of fair value ($0.1)

Significantly Below Fair Value: WMPN is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: WMPN is poor value based on its PE Ratio (93.5x) compared to the US Mortgage industry average (12.1x).

PE vs Market: WMPN is poor value based on its PE Ratio (93.5x) compared to the US market (18.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate WMPN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: WMPN is good value based on its PB Ratio (0.8x) compared to the US Mortgage industry average (1.1x).


Future Growth

How is William Penn Bancorporation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-5.7%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as William Penn Bancorporation has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has William Penn Bancorporation performed over the past 5 years?

-5.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: WMPN has a large one-off loss of $2.7M impacting its March 31 2021 financial results.

Growing Profit Margin: WMPN's current net profit margins (8.2%) are lower than last year (14%).


Past Earnings Growth Analysis

Earnings Trend: WMPN's earnings have declined by 5.9% per year over the past 5 years.

Accelerating Growth: WMPN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: WMPN had negative earnings growth (-15.8%) over the past year, making it difficult to compare to the Mortgage industry average (24.4%).


Return on Equity

High ROE: WMPN's Return on Equity (0.8%) is considered low.


Financial Health

How is William Penn Bancorporation's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: WMPN's Assets to Equity ratio (3.8x) is low.

Allowance for Bad Loans: WMPN has a low allowance for bad loans (60%).

Low Risk Liabilities: 91% of WMPN's liabilities are made up of primarily low risk sources of funding.

Loan Level: WMPN has an appropriate level of Loans to Assets ratio (58%).

Low Risk Deposits: WMPN's Loans to Deposits ratio (87%) is appropriate.

Level of Bad Loans: WMPN has an appropriate level of bad loans (1.2%).


Dividend

What is William Penn Bancorporation current dividend yield, its reliability and sustainability?

1.10%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: WMPN's dividend (1.1%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.33%).

High Dividend: WMPN's dividend (1.1%) is low compared to the top 25% of dividend payers in the US market (3.55%).


Stability and Growth of Payments

Stable Dividend: WMPN's dividends per share have been stable in the past 10 years.

Growing Dividend: WMPN's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (334.1%), WMPN's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.0yrs

Average management tenure


CEO

Ken Stephon (62 yo)

2.42yrs

Tenure

US$548,099

Compensation

Mr. Kenneth J. Stephon, also known as Ken, is the Chief Executive Officer and President of William Penn Bancorporation (formerly known as William Penn Bancorp, Inc.) since February 2019 and since October 2...


CEO Compensation Analysis

Compensation vs Market: Ken's total compensation ($USD548.10K) is below average for companies of similar size in the US market ($USD1.09M).

Compensation vs Earnings: Insufficient data to compare Ken's compensation with company performance.


Leadership Team

Experienced Management: WMPN's management team is considered experienced (2 years average tenure).


Board Members

Experienced Board: WMPN's board of directors are considered experienced (3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: WMPN insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8%.


Top Shareholders

Company Information

William Penn Bancorporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: William Penn Bancorporation
  • Ticker: WMPN
  • Exchange: NasdaqCM
  • Founded: 1870
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$178.254m
  • Shares outstanding: 15.17m
  • Website: https://williampenn.bank

Number of Employees


Location

  • William Penn Bancorporation
  • 10 Canal Street
  • Suite 104
  • Bristol
  • Pennsylvania
  • 19007
  • United States

Listings


Biography

William Penn Bancorporation operates as the holding company for William Penn Bank that provides retail and commercial banking products and related financial services in the United States. The company offer...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/07/24 01:23
End of Day Share Price2021/07/23 00:00
Earnings2021/03/31
Annual Earnings2020/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.