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.
No risks detected for WMPN from our risk checks.
William Penn Bancorporation Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$11.64|
|52 Week High||US$12.88|
|52 Week Low||US$11.35|
|1 Month Change||-0.51%|
|3 Month Change||-9.28%|
|1 Year Change||-1.61%|
|3 Year Change||3.07%|
|5 Year Change||57.71%|
|Change since IPO||222.80%|
Recent News & Updates
|WMPN||US Mortgage||US Market|
Return vs Industry: WMPN exceeded the US Mortgage industry which returned -37.6% over the past year.
Return vs Market: WMPN exceeded the US Market which returned -18.4% over the past year.
|WMPN Average Weekly Movement||2.6%|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.2%|
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
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
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.27|
|Net Profit Margin||15.68%|
How did WMPN perform over the long term?See historical performance and comparison
1.0%Current Dividend Yield
Is WMPN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is WMPN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does WMPN's PE Ratio compare to its peers?
|WMPN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
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.
|Current PE Ratio||43.1x|
|Fair PE Ratio||n/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 ($1.67)
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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How is William Penn Bancorporation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- Check out William Penn Bancorporation's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
How has William Penn Bancorporation performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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.
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How is William Penn Bancorporation's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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%).
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What is William Penn Bancorporation current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
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 (1.57%).
High Dividend: WMPN's dividend (1.03%) is low compared to the top 25% of dividend payers in the US market (4.24%).
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.
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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, 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 ($USD1.69M).
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 (2.6 years average tenure).
Experienced Board: WMPN's board of directors are seasoned and experienced ( 12.1 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 not been meaningfully diluted in the past year.
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$164.733m
- Shares outstanding: 14.15m
- 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||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 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.