William Penn Bancorp
Market Cap
US$159.2m
Last Updated
2020/02/19 00:53 UTC
Data Sources
Company Financials
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.
Rewards
Risk Analysis
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
| WMPN | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | -1.9% | 0.06% |
| 30 Day | 2.8% | -1.8% | 1.1% |
| 90 Day | 16.6% | -1.8% | 8.9% |
| 1 Year | n/a | 8.2%5.7% | 21.9%19.4% |
| 3 Year | 73.1%66.7% | 19.0%10.6% | 48.9%39.3% |
| 5 Year | 103.0%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
- Check out William Penn Bancorp's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access William Penn Bancorp's filings and announcements here.
- Explore growth companies in the Banks industry.
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
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 1yrs | no data | no data | |
| Executive VP & CFO | 1.1yrs | no data | no data | |
| Senior VP & CTO | 2.1yrs | no data | no data | |
| Senior VP and Chief Admin. & Risk Officer | 1.1yrs | no data | no data | |
| Senior VP | 2.1yrs | no data | no data | |
| Vice President of Human Resources | 0yrs | no data | no data | |
| Senior Vice President of Loan Servicing Manager | 0.3yrs | no data | no data | |
| Senior Vice President of Deposit Operations | 0.3yrs | no data | no data | |
| Executive VP & Chief Retail Officer | 0.9yrs | no data | no data | |
| Senior VP & Controller | 2.1yrs | no data | no 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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 1yrs | no data | no data | |
| Independent Director | 1.6yrs | no data | no data | |
| Independent Director | 34.1yrs | US$29.40k | no data | |
| Chairman of the Board | 12.1yrs | no data | no data | |
| Independent Director | 34.1yrs | US$29.40k | no data | |
| Director | 31.1yrs | no data | no data | |
| Independent Director | 12.1yrs | US$29.40k | no data | |
| Director | 9.8yrs | no data | no data | |
| Independent Director | 1.6yrs | no data | no 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| WMPN | OTCPK (Pink Sheets LLC) | Yes | Common Shares | US | USD | Apr 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/02/19 00:53 |
| End of Day Share Price | 2020/02/07 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2019/06/30 |
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.