Woodlands Financial Services Valuation

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

Valuation Score

3/6

Valuation Score 3/6

Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: WDFN ($20.15) is trading below our estimate of fair value ($57.19)

Significantly Below Fair Value: WDFN is trading below fair value by more than 20%.

Key Valuation Metric

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

Key metric: As WDFN is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for WDFN. This is calculated by dividing WDFN's market cap by their current book value.
What is WDFN's PB Ratio?
PB Ratio	0.8x
Book	US$33.18m
Market Cap	US$28.39m

WDFN 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/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Book Ratio vs Peers

How does WDFN's PB Ratio compare to its peers?

The above table shows the PB ratio for WDFN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PB	Estimated Growth	Market Cap
Peer Average	0.8x
LWCL Lewis & Clark Bancorp	1x	n/a	US$32.1m
GBNY Generations Bancorp NY	1x	n/a	US$34.4m
KFFB Kentucky First Federal Bancorp	0.4x	n/a	US$20.9m
OTTW Ottawa Bancorp	0.9x	n/a	US$35.7m
WDFN Woodlands Financial Services	0.8x	n/a	US$28.4m

Price-To-Book vs Peers: WDFN is expensive based on its Price-To-Book Ratio (0.8x) compared to the peer average (0.8x).

Price to Book Ratio vs Industry

How does WDFN's PB Ratio compare vs other companies in the US Banks Industry?

4 Companies	Price / Book	Estimated Growth	Market Cap
FRCB First Republic Bank	0.002x	n/a	US$27.98m
SBNY Signature Bank	0.0003x	n/a	US$2.18m
BKES.F Banco Espírito Santo	n/a	n/a	US$56.01k
BCBH.F Caribbean Investment Holdings	n/a	n/a	US$132.00

No more companies available in this PB range

4 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Book vs Industry: WDFN is good value based on its Price-To-Book Ratio (0.8x) compared to the US Banks industry average (1x).

Price to Book Ratio vs Fair Ratio

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

WDFN PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio	0.8x
Fair PB Ratio	n/a

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

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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