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
Excellent balance sheet unattractive dividend payer.
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.
7 Day Return
1 Year Return
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.
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
Is William Penn Bancorporation undervalued compared to its fair value and its price relative to the market?
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).
How is William Penn Bancorporation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has William Penn Bancorporation performed over the past 5 years?
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.
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
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%).
What is William Penn Bancorporation current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ken Stephon (62 yo)
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.
Experienced Management: WMPN's management team is considered experienced (2 years average tenure).
Experienced Board: WMPN's board of directors are considered experienced (3 years average tenure).
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
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8%.
William Penn Bancorporation's company bio, employee growth, exchange listings and data sources
- 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
- William Penn Bancorporation
- 10 Canal Street
- Suite 104
- United States
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
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/24 01:23|
|End of Day Share Price||2021/07/23 00:00|
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.