William Penn Bancorp

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Value checks

We assess William Penn Bancorp's value by looking at:

1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
William Penn Bancorp has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

Full details on the Value part of the Simply Wall St company analysis model.

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Future performance checks

We assess William Penn Bancorp's future performance by looking at:

1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
4. Is the annual earnings growth rate expected to be above 20%? (1 check)
5. Is the annual revenue growth rate expected to be above 20%? (1 check)
6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)

Some of the above checks will fail if the company is expected to be loss making in the relevant year.
William Penn Bancorp has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

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Past performance checks

We assess William Penn Bancorp's performance over the past 5 years by checking for:

1. Has earnings increased in past 5 years? (1 check)
2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
4. Is the Return on Equity (ROE) higher than 20%? (1 check)
5. Is the Return on Assets (ROA) above industry average? (1 check)
6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)

The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
William Penn Bancorp has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

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Financial health checks

We assess William Penn Bancorp's financial health by checking for:

1. Are short term assets greater than short term liabilities? (1 check)
2. Are short term assets greater than long term liabilities? (1 check)
3. Has the debt to equity ratio increased in the past 5 years? (1 check)
4. Is the debt to equity ratio over 40%? (1 check)
5. Is the debt covered by operating cash flow? (1 check)
6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
William Penn Bancorp has a total score of 6/6, see the detailed checks below.

For companies that are loss making and have been so on average in the past we replace the last 2 checks with:

1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)

Full details on the Health part of the Simply Wall St company analysis model.

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Income/ dividend checks

We assess William Penn Bancorp's dividend by checking for:

1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
3. Is current dividend yield above the top 25% of dividend payers? (1 check)
4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
6. How sustainable is the dividend, can William Penn Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
William Penn Bancorp has a total score of 1/6, see the detailed checks below.

Full details on the Dividends part of the Simply Wall St company analysis model.

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Management checks

We assess William Penn Bancorp's management by checking for:

1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
3. Is the average tenure of the management team less than 2 years? (1 check)
4. Is the average tenure of the board of directors team less than 3 years? (1 check)
William Penn Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.

Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.