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
Price History & Performance
|Historical stock prices|
|Current Share Price||US$12.30|
|52 Week High||US$12.88|
|52 Week Low||US$11.15|
|1 Month Change||1.82%|
|3 Month Change||0%|
|1 Year Change||2.77%|
|3 Year Change||17.88%|
|5 Year Change||82.18%|
|Change since IPO||241.10%|
Recent News & Updates
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.
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...
|WMPN||US Mortgage||US Market|
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.
|WMPN Average Weekly Movement||1.6%|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||6.7%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.4%|
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
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
|WMPN fundamental statistics|
Is WMPN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|WMPN income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.27|
|Net Profit Margin||16.98%|
How did WMPN perform over the long term?See historical performance and comparison
1.0%Current Dividend Yield
Does WMPN pay a reliable dividends?See WMPN dividend history and benchmarks
|William Penn Bancorporation dividend dates|
|Ex Dividend Date||Jan 28 2022|
|Dividend Pay Date||Feb 10 2022|
|Days until Ex dividend||4 days|
|Days until Dividend pay date||17 days|
Does WMPN pay a reliable dividends?See WMPN dividend history and benchmarks
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 ($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).
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
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
How has William Penn Bancorporation performed over the past 5 years?
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.
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 (3.9x) 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%).
What is William Penn Bancorporation current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
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.
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, 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.
Experienced Management: WMPN's management team is considered experienced (2.2 years average tenure).
Experienced Board: WMPN's board of directors are seasoned and experienced ( 11.7 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 3.7%.
William Penn Bancorporation's employee growth, exchange listings and data sources
- 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
- William Penn Bancorporation
- 10 Canal Street
- Suite 104
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/23 23:29|
|End of Day Share Price||2022/01/21 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.