OTCPK:WMPN

Stock Analysis Report

William Penn Bancorp

Executive Summary

William Penn Bancorp, Inc. operates as the holding company for William Penn Bank that provides personal and business banking products and related financial services in the United States.


Snowflake Analysis

Flawless balance sheet with solid track record.


Similar Companies

Share Price & News

How has William Penn Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: WMPN has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

WMPN

-1.9%

US Mortgage

0.06%

US Market


1 Year Return

n/a

WMPN

5.7%

US Mortgage

19.4%

US Market

Return vs Industry: Insufficient data to determine how WMPN performed against the US Mortgage industry.

Return vs Market: Insufficient data to determine how WMPN performed against the US Market.


Shareholder returns

WMPNIndustryMarket
7 Day0%-1.9%0.06%
30 Day2.8%-1.8%1.1%
90 Day16.6%-1.8%8.9%
1 Yearn/a8.2%5.7%21.9%19.4%
3 Year73.1%66.7%19.0%10.6%48.9%39.3%
5 Year103.0%90.5%60.2%42.4%71.9%53.1%

Price Volatility Vs. Market

How volatile is William Penn Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is William Penn Bancorp undervalued compared to its fair value and its price relative to the market?

41.48x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: WMPN ($40) is trading above our estimate of fair value ($7.75)

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


Price To Earnings Ratio

PE vs Industry: WMPN is poor value based on its PE Ratio (41.5x) compared to the Mortgage industry average (13.7x).

PE vs Market: WMPN is poor value based on its PE Ratio (41.5x) compared to the US market (18.3x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: WMPN is overvalued based on its PB Ratio (2.1x) compared to the US Mortgage industry average (1.1x).


Next Steps

Future Growth

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

6.3%

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 Bancorp 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.


Next Steps

Past Performance

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

0.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: WMPN has high quality earnings.

Growing Profit Margin: WMPN's current net profit margins (25.6%) are higher than last year (14.5%).


Past Earnings Growth Analysis

Earnings Trend: WMPN's earnings have grown by 0.8% per year over the past 5 years.

Accelerating Growth: WMPN's earnings growth over the past year (133.7%) exceeds its 5-year average (0.8% per year).

Earnings vs Industry: WMPN earnings growth over the past year (133.7%) exceeded the Mortgage industry 11.1%.


Return on Equity

High ROE: WMPN's Return on Equity (5.1%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is William Penn Bancorp'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: WMPN has a low level of unsold assets or inventory.

Debt Coverage by Assets: WMPN's debt is not covered by short term assets (assets are 0.4x debt).


Financial Institutions Analysis

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

Allowance for Bad Loans: WMPN has a sufficient allowance for bad loans.

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

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

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

Level of Bad Loans: WMPN has an appropriate level of bad loans (0.59%)


Next Steps

Dividend

What is William Penn Bancorp's current dividend yield, its reliability and sustainability?

1.00%

Current Dividend Yield


Dividend Yield vs Market

company1.0%marketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: WMPN's dividend (1%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.43%).

High Dividend: WMPN's dividend (1%) is low compared to the top 25% of dividend payers in the US market (3.7%).


Stability and Growth of Payments

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

Growing Dividend: WMPN's dividend payments have increased, but the company has only paid a dividend for 9 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (41.5%), WMPN'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

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

1.1yrs

Average management tenure


CEO

Ken Stephon (60yo)

1yrs

Tenure

Mr. Kenneth J. Stephon, also known as Ken, has been the Chief Executive Officer, President and Director of William Penn Bancorp, Inc., William Penn, MHC and William Penn Bank ("Bank") since February 1, 201 ...


Leadership Team

NamePositionTenureCompensationOwnership
Kenneth Stephon
President1yrsno datano data
Gregory Garcia
Executive VP & CFO1.1yrsno datano data
James Read
Senior VP & CTO2.1yrsno datano data
Laurie Wallace
Senior VP and Chief Admin. & Risk Officer1.1yrsno datano data
Steven Gillespie
Senior VP2.1yrsno datano data
Michele Herzog
Vice President of Human Resources0yrsno datano data
Robin Fadio
Senior Vice President of Loan Servicing Manager0.3yrsno datano data
Patricia Dykes
Senior Vice President of Deposit Operations0.3yrsno datano data
Jill Ross
Executive VP & Chief Retail Officer0.9yrsno datano data
Karen Hunter
Senior VP & Controller2.1yrsno datano data

1.1yrs

Average Tenure

Experienced Management: WMPN's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Kenneth Stephon
President1yrsno datano data
Vincent Sarubbi
Independent Director1.6yrsno datano data
William Blakey Parry
Independent Director34.1yrsUS$29.40kno data
William Feeney
Chairman of the Board12.1yrsno datano data
Glenn Davis
Independent Director34.1yrsUS$29.40kno data
Charles Corcoran
Director31.1yrsno datano data
Craig Burton
Independent Director12.1yrsUS$29.40kno data
Terry Sager
Director9.8yrsno datano data
D. Carmody
Independent Director1.6yrsno datano data

12.1yrs

Average Tenure

67yo

Average Age

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


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.4%.


Top Shareholders

Company Information

William Penn Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: William Penn Bancorp, Inc.
  • Ticker: WMPN
  • Exchange: OTCPK
  • Founded: 1870
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$159.206m
  • Shares outstanding: 3.98m
  • Website: https://williampenn.bank

Location

  • William Penn Bancorp, Inc.
  • 10 Canal Street
  • Suite 104
  • Bristol
  • Pennsylvania
  • 19057
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WMPNOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDApr 2008

Biography

William Penn Bancorp, Inc. operates as the holding company for William Penn Bank that provides personal and business banking products and related financial services in the United States. The company offers time, savings, and demand deposits; checking and money market accounts; certificates of deposit; and retirement accounts. It also provides one-to four-family mortgage, multi-family, commercial, and other real estate mortgage loans; construction, automobile, second mortgage, home equity, and other consumer loans; small business administration loans; and CDARS. In addition, the company provides debit cards; safe deposit boxes; money orders; night depository services; notary public; wire transfers; and online and telephone banking services. It serves individuals, businesses, and government customers. The company operates through six branch offices in Levittown, Richboro, and Morrisville, Pennsylvania; and Audubon, Mount Laurel, and Pine Hill, New Jersey. William Penn Bancorp, Inc. was founded in 1870 and is based in Bristol,, Pennsylvania. William Penn Bancorp, Inc. is a subsidiary of William Penn MHC. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/19 00:53
End of Day Share Price2020/02/07 00:00
Earnings2019/09/30
Annual Earnings2019/06/30


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.