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WMPN

William Penn BancorporationNasdaqCM:WMPN Stock Report

Last Price

US$12.30

Market Cap

US$186.6m

7D

-3.6%

1Y

2.8%

Updated

23 Jan, 2022

Data

Company Financials
WMPN fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance5/6
Financial Health5/6
Dividends2/6

WMPN Stock Overview

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.

William Penn Bancorporation Competitors

Randolph Bancorp

NasdaqGM:RNDB

US$115.6m

HMN Financial

NasdaqGM:HMNF

US$109.2m

IF Bancorp

NasdaqCM:IROQ

US$79.0m

Home Federal Bancorp of Louisiana

NasdaqCM:HFBL

US$65.8m

Price History & Performance

Summary of all time highs, changes and price drops for William Penn Bancorporation
Historical stock prices
Current Share PriceUS$12.30
52 Week HighUS$12.88
52 Week LowUS$11.15
Beta1.04
1 Month Change1.82%
3 Month Change0%
1 Year Change2.77%
3 Year Change17.88%
5 Year Change82.18%
Change since IPO241.10%

Recent News & Updates

Jan 03

William Penn: Priced Below Liquidation Value And Insiders Are Buying

Despite a strong capital position and attractive credit metrics, WMPN trades at just 88% of tangible book value. Management is top-notch and laser-focused on increasing shareholder value. Insiders are scooping up shares. First catalyst - initiation of a recurring dividend - expected in the next 90 days.

Nov 11
Shareholders Will Probably Not Have Any Issues With William Penn Bancorporation's (NASDAQ:WMPN) CEO Compensation

Shareholders Will Probably Not Have Any Issues With William Penn Bancorporation's (NASDAQ:WMPN) CEO Compensation

Performance at William Penn Bancorporation ( NASDAQ:WMPN ) has been reasonably good and CEO Ken Stephon has done a...

Shareholder Returns

WMPNUS MortgageUS Market
7D-3.6%-5.8%-6.1%
1Y2.8%-12.5%4.2%

Return vs Industry: WMPN exceeded the US Mortgage industry which returned -12.5% over the past year.

Return vs Market: WMPN underperformed the US Market which returned 4.2% over the past year.

Price Volatility

Is WMPN's price volatile compared to industry and market?
WMPN volatility
WMPN Average Weekly Movement1.6%
Mortgage Industry Average Movement3.7%
Market Average Movement6.7%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.4%

Stable Share Price: WMPN is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: WMPN's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1870103Ken Stephonhttps://www.williampenn.bank

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 offers time, savings, and demand deposits; certificates of deposit; and checking, money market, savings and club, and individual retirement accounts. It also provides one- to four-family residential and investor commercial real estate, non-residential real estate, multi-family residential, commercial business and consumer, residential and commercial construction, and land loans, as well as home equity loans and lines of credit, small business administration loans, and CDARS.

William Penn Bancorporation Fundamentals Summary

How do William Penn Bancorporation's earnings and revenue compare to its market cap?
WMPN fundamental statistics
Market CapUS$186.60m
Earnings (TTM)US$4.07m
Revenue (TTM)US$23.95m

45.9x

P/E Ratio

0.9x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
WMPN income statement (TTM)
RevenueUS$23.95m
Cost of RevenueUS$0
Gross ProfitUS$23.95m
ExpensesUS$19.88m
EarningsUS$4.07m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.27
Gross Margin100.00%
Net Profit Margin16.98%
Debt/Equity Ratio15.9%

How did WMPN perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

150%

Payout Ratio

Does WMPN pay a reliable dividends?

See WMPN dividend history and benchmarks
When do you need to buy WMPN by to receive an upcoming dividend?
William Penn Bancorporation dividend dates
Ex Dividend DateJan 28 2022
Dividend Pay DateFeb 10 2022
Days until Ex dividend4 days
Days until Dividend pay date17 days

Does WMPN pay a reliable dividends?

See WMPN dividend history and benchmarks

Valuation

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

45.87x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: WMPN ($12.3) is trading above our estimate of fair value ($3.26)

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 (45.9x) compared to the US Mortgage industry average (12.3x).

PE vs Market: WMPN is poor value based on its PE Ratio (45.9x) compared to the US market (16.5x).


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 (0.9x) compared to the US Mortgage industry average (1x).


Future Growth

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

-5.1%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if WMPN's forecast earnings growth is above the savings rate (2%).

Earnings vs Market: Insufficient data to determine if WMPN's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if WMPN's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if WMPN's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if WMPN's Return on Equity is forecast to be high in 3 years time


Past Performance

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

7.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: WMPN has high quality earnings.

Growing Profit Margin: WMPN's current net profit margins (17%) are higher than last year (7.9%).


Past Earnings Growth Analysis

Earnings Trend: WMPN's earnings have grown by 7.9% per year over the past 5 years.

Accelerating Growth: WMPN's earnings growth over the past year (155.7%) exceeds its 5-year average (7.9% per year).

Earnings vs Industry: WMPN earnings growth over the past year (155.7%) exceeded the Mortgage industry 32%.


Return on Equity

High ROE: WMPN's Return on Equity (1.9%) 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 (3.9x) is low.

Allowance for Bad Loans: WMPN has a low allowance for bad loans (71%).

Low Risk Liabilities: 92% 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 (55%).

Low Risk Deposits: WMPN's Loans to Deposits ratio (80%) is appropriate.

Level of Bad Loans: WMPN has an appropriate level of bad loans (1.1%).


Dividend

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

0.97%

Current Dividend Yield


Upcoming Dividend Payment

TodayJan 24 2022Ex Dividend DateJan 28 2022Dividend Pay DateFeb 10 202213 days from Ex DividendBuy in the next 4 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: WMPN's dividend (0.98%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.37%).

High Dividend: WMPN's dividend (0.98%) is low compared to the top 25% of dividend payers in the US market (3.6%).


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 (150%), 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?

2.2yrs

Average management tenure


CEO

Ken Stephon (62 yo)

3.25yrs

Tenure

US$645,979

Compensation

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


CEO Compensation Analysis

Compensation vs Market: Ken's total compensation ($USD645.98K) is below average for companies of similar size in the US market ($USD1.13M).

Compensation vs Earnings: Ken's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: WMPN's management team is considered experienced (2.2 years average tenure).


Board Members

Experienced Board: WMPN's board of directors are seasoned and experienced ( 11.7 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 3.7%.


Top Shareholders

Company Information

William Penn Bancorporation's 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
  • Implied Market Cap: US$186.598m
  • Shares outstanding: 15.17m
  • Website: https://www.williampenn.bank

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/23 23:29
End of Day Share Price2022/01/21 00:00
Earnings2021/12/31
Annual Earnings2021/06/30


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.