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WMPN

William Penn Bancorporation NasdaqCM:WMPN Stock Report

Last Price

US$11.64

Market Cap

US$164.7m

7D

1.0%

1Y

-1.6%

Updated

24 Jun, 2022

Data

Company Financials
WMPN fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance5/6
Financial Health5/6
Dividends3/6

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.

Rewards

Earnings grew by 110% over the past year

Risk Analysis

No risks detected for WMPN from our risk checks.

William Penn Bancorporation Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for William Penn Bancorporation
Historical stock prices
Current Share PriceUS$11.64
52 Week HighUS$12.88
52 Week LowUS$11.35
Beta0.94
1 Month Change0.43%
3 Month Change-9.28%
1 Year Change-1.61%
3 Year Change3.07%
5 Year Change57.71%
Change since IPO222.80%

Recent News & Updates

Shareholder Returns

WMPNUS MortgageUS Market
7D1.0%7.4%6.6%
1Y-1.6%-37.4%-18.5%

Return vs Industry: WMPN exceeded the US Mortgage industry which returned -38.8% over the past year.

Return vs Market: WMPN exceeded the US Market which returned -20.5% over the past year.

Price Volatility

Is WMPN's price volatile compared to industry and market?
WMPN volatility
WMPN Average Weekly Movement2.6%
Mortgage Industry Average Movement3.7%
Market Average Movement8.0%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.1%

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.

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$164.73m
Earnings (TTM)US$3.83m
Revenue (TTM)US$24.40m

43.1x

P/E Ratio

0.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
WMPN income statement (TTM)
RevenueUS$24.40m
Cost of RevenueUS$0
Gross ProfitUS$24.40m
Other ExpensesUS$20.58m
EarningsUS$3.83m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.27
Gross Margin100.00%
Net Profit Margin15.68%
Debt/Equity Ratio9.7%

How did WMPN perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

11%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is WMPN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for WMPN?

Other financial metrics that can be useful for relative valuation.

WMPN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does WMPN's PE Ratio compare to its peers?

WMPN PE Ratio vs Peers
The above table shows the PE ratio for WMPN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average11.2x

Price-To-Earnings vs Peers: WMPN is expensive based on its Price-To-Earnings Ratio (43.1x) compared to the peer average (11.2x).


Price to Earnings Ratio vs Industry

How does WMPN's PE Ratio compare vs other companies in the U.S. Mortgage Industry?

Price-To-Earnings vs Industry: WMPN is expensive based on its Price-To-Earnings Ratio (43.1x) compared to the US Mortgage industry average (11.3x)


Price to Earnings Ratio vs Fair Ratio

What is WMPN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

WMPN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio43.1x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate WMPN's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of WMPN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: WMPN ($11.64) is trading above our estimate of fair value ($1.68)

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


Price to Earnings Growth Ratio

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


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Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


9.4%

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.


Discover growth companies

Past Performance

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

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


10.6%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: WMPN has high quality earnings.

Growing Profit Margin: WMPN's current net profit margins (15.7%) are higher than last year (8.2%).


Past Earnings Growth Analysis

Earnings Trend: WMPN's earnings have grown by 10.6% per year over the past 5 years.

Accelerating Growth: WMPN's earnings growth over the past year (110%) exceeds its 5-year average (10.6% per year).

Earnings vs Industry: WMPN earnings growth over the past year (110%) exceeded the Mortgage industry 6.7%.


Return on Equity

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


Discover strong past performing companies

Financial Health

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

Financial Health Score

5/6

Financial Health Score 5/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: WMPN's Assets to Equity ratio (4.2x) is low.

Allowance for Bad Loans: WMPN has a low allowance for bad loans (53%).

Low Risk Liabilities: 94% 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 (53%).

Low Risk Deposits: WMPN's Loans to Deposits ratio (74%) is appropriate.

Level of Bad Loans: WMPN has an appropriate level of bad loans (1.4%).


Discover healthy companies

Dividend

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

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


1.03%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: WMPN's dividend (1.03%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: WMPN's dividend (1.03%) is low compared to the top 25% of dividend payers in the US market (4.34%).


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

Earnings Coverage: With its low payout ratio (11.2%), WMPN's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

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


Discover strong dividend paying companies

Management

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

2.6yrs

Average management tenure


CEO

Ken Stephon (62 yo)

3.67yrs

Tenure

US$645,979

Compensation

Mr. Kenneth J. Stephon, also known as Ken, became Chairman of the Board on November 18, 2020, and has been Chief Executive Officer since February 1, 2019. He became President on October 1, 2018 and had bee...


CEO Compensation Analysis

Compensation vs Market: Ken's total compensation ($USD645.98K) is below average for companies of similar size in the US market ($USD1.73M).

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 (2.6 years average tenure).


Board Members

Experienced Board: WMPN's board of directors are seasoned and experienced ( 12.1 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 not been meaningfully diluted in the past year.


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$164.733m
  • Shares outstanding: 14.15m
  • 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 Analysis2022/06/24 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
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.