OTCPK:WDFN

Stock Analysis Report

Woodlands Financial Services

Executive Summary

Woodlands Financial Services Company operates as the holding company for Woodlands Bank that provides commercial and consumer banking, and trust services in Lycoming and Clinton counties, and the surrounding market area in Pennsylvania.

Snowflake

Fundamentals

Good value with adequate balance sheet.


Similar Companies

Share Price & News

How has Woodlands Financial Services's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.6%

WDFN

4.1%

US Banks

1.0%

US Market


1 Year Return

-2.4%

WDFN

7.2%

US Banks

8.0%

US Market

Return vs Industry: WDFN underperformed the US Banks industry which returned 7.2% over the past year.

Return vs Market: WDFN underperformed the US Market which returned 8% over the past year.


Shareholder returns

WDFNIndustryMarket
7 Day-1.6%4.1%1.0%
30 Day-2.4%2.8%-0.07%
90 Day3.3%2.9%-1.0%
1 Year1.7%-2.4%10.3%7.2%10.4%8.0%
3 Year43.0%29.4%53.9%43.3%46.2%36.7%
5 Year75.1%47.6%71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

How volatile is Woodlands Financial Services's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Woodlands Financial Services undervalued compared to its fair value and its price relative to the market?

3.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: WDFN ($31) is trading below our estimate of fair value ($32.05)

Significantly Below Fair Value: WDFN is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: WDFN is good value based on its PE Ratio (8.8x) compared to the Banks industry average (12.6x).

PE vs Market: WDFN is good value based on its PE Ratio (8.8x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: WDFN is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Woodlands Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: WDFN's forecast earnings growth (1.2% per year) is below the savings rate (2.7%).

Earnings vs Market: WDFN's earnings (1.2% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: WDFN's earnings are forecast to grow, but not significantly.

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

High Growth Revenue: Insufficient data to determine if WDFN'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 WDFN's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Woodlands Financial Services performed over the past 5 years?

14.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: WDFN's earnings have grown by 14.1% per year over the past 5 years.

Accelerating Growth: WDFN's earnings growth over the past year (22.5%) exceeds its 5-year average (14.1% per year).

Earnings vs Industry: WDFN earnings growth over the past year (22.5%) underperformed the Banks industry 30.1%.


Return on Equity

High ROE: WDFN's Return on Equity (12.2%) is considered low.


Return on Assets

ROA vs Industry: WDFN has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate WDFN's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Woodlands Financial Services'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

Inventory Level: WDFN has a low level of unsold assets or inventory.

Debt Coverage by Assets: WDFN's debt is covered by short term assets (assets are 2.753510x debt).


Financial Institutions Analysis

Asset Level: WDFN's level of assets compared to its equity is low.

Allowance for Bad Loans: WDFN has a low allowance for bad loans.

Low Risk Liabilities: WDFN's liabilities are made up of primarily low risk sources of funding.

Loan Level: WDFN has an acceptable proportion of non-loan assets held.

Low Risk Deposits: WDFN's loans are broadly funded by customer deposits.

Level of Bad Loans: WDFN has a high level of bad loans (2.04%)


Next Steps

Dividend

What is Woodlands Financial Services's current dividend yield, its reliability and sustainability?

3.35%

Current Dividend Yield


Dividend Yield vs Market

company3.4%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: WDFN's dividend (3.35%) is higher than the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: WDFN's dividend (3.35%) is low compared to the top 25% of dividend payers in the US market (3.68%).

Stable Dividend: Whilst dividend payments have been stable, WDFN has been paying a dividend for less than 10 years.

Growing Dividend: WDFN's dividend payments have increased, but the company has only paid a dividend for 7 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (20.8%), WDFN's dividend payments are 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

What is the CEO of Woodlands Financial Services's salary, the management and board of directors tenure and is there insider trading?

18.8yrs

Average board tenure


CEO

Jon Conklin (42yo)

6.8yrs

Tenure

0

Mr. Jon P. Conklin has been the Chief Executive Officer and President of Woodlands Bank ("Bank") and Woodlands Financial Services Company ("Company") since January, 2013. Mr. Conklin serves as a Director o ...


Board Age and Tenure

18.8yrs

Average Tenure

63.5yo

Average Age

Experienced Board: WDFN's board of directors are seasoned and experienced ( 18.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Tom Burkholder

    VP & Secretary

    • Tenure: 0yrs
  • Jon Conklin (42yo)

    President

    • Tenure: 6.8yrs
  • Joe Farley (44yo)

    VP, Treasurer & CFO

    • Tenure: 0yrs
  • Matt Gaugler

    VP & Chief Information Officer

    • Tenure: 0yrs

Board Members

  • Herman Logue (60yo)

    Independent Director

    • Tenure: 15.8yrs
  • Bob Forse (72yo)

    Chairman of the Board

    • Tenure: 18.8yrs
  • Jon Conklin (42yo)

    President

    • Tenure: 6.8yrs
  • Ed Alberts (72yo)

    Director

    • Tenure: 18.8yrs
  • Richard Baker

    Vice Chairman

    • Tenure: 0yrs
  • William Brown (66yo)

    Director

    • Tenure: 18.8yrs
  • Marc Lewis (62yo)

    Independent Director

    • Tenure: 18.8yrs
  • Melvin Lewis (64yo)

    Director

    • Tenure: 18.8yrs
  • Tom Stubler (63yo)

    Director

    • Tenure: 15.8yrs
  • Trisha Marty

    Director

    • Tenure: 1.8yrs

Company Information

Woodlands Financial Services Company's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Woodlands Financial Services Company
  • Ticker: WDFN
  • Exchange: OTCPK
  • Founded: 1990
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$47.832m
  • Shares outstanding: 1.54m
  • Website: https://www.woodlandsbank.com

Location

  • Woodlands Financial Services Company
  • 2450 East Third Street
  • Williamsport
  • Pennsylvania
  • 17701
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WDFNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 1997

Biography

Woodlands Financial Services Company operates as the holding company for Woodlands Bank that provides commercial and consumer banking, and trust services in Lycoming and Clinton counties, and the surroundi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/21 23:50
End of Day Share Price2019/10/15 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.