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Wayne Savings Bancshares, Inc.

WAYN

(3.5)
Stock Price

24,27 USD

0.87% ROA

14.04% ROE

7.53x PER

Market Cap.

53.428.221,00 USD

84.02% DER

2.84% Yield

21.35% NPM

Wayne Savings Bancshares, Inc. Stock Analysis

Wayne Savings Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Wayne Savings Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (19.58%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

5 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

6 ROA

The stock's ROA (1.16%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 PBV

The stock's PBV ratio (1.03x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (72) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (157%), making it financially unstable and potentially risky for investors.

11 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

Wayne Savings Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Wayne Savings Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Hold

Wayne Savings Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Wayne Savings Bancshares, Inc. Revenue
Year Revenue Growth
1990 0
1991 0 0%
1992 21.670.000 100%
1993 20.140.000 -7.6%
1994 19.120.000 -5.33%
1995 8.600.000 -122.33%
1996 8.400.000 -2.38%
1997 8.700.000 3.45%
1998 9.100.000 4.4%
1999 9.100.000 0%
2000 9.429.000 3.49%
2001 9.451.000 0.23%
2002 10.618.000 10.99%
2003 12.497.000 15.04%
2004 13.002.000 3.88%
2005 12.600.000 -3.19%
2006 13.185.000 4.44%
2007 12.878.000 -2.38%
2008 13.086.000 1.59%
2009 13.884.000 5.75%
2010 15.346.000 9.53%
2010 15.346.000 0%
2011 0 0%
2012 14.443.000 100%
2013 13.672.000 -5.64%
2014 14.420.000 5.19%
2015 14.316.000 -0.73%
2016 15.477.000 7.5%
2017 16.347.000 5.32%
2018 17.544.000 6.82%
2019 18.725.000 6.31%
2020 19.925.000 6.02%
2021 21.476.000 7.22%
2022 25.115.000 14.49%
2023 23.900.000 -5.08%
2023 38.112.000 37.29%
2024 41.488.000 8.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Wayne Savings Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1990 0
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Wayne Savings Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1990 850.000
1991 600.000 -41.67%
1992 6.530.000 90.81%
1993 6.850.000 4.67%
1994 6.060.000 -13.04%
1995 3.200.000 -89.38%
1996 3.300.000 3.03%
1997 3.300.000 0%
1998 3.200.000 -3.13%
1999 3.300.000 3.03%
2000 3.817.000 13.54%
2001 3.957.000 3.54%
2002 4.312.000 8.23%
2003 4.755.000 9.32%
2004 5.187.000 8.33%
2005 5.828.000 11%
2006 6.382.000 8.68%
2007 5.518.000 -15.66%
2008 5.692.000 3.06%
2009 5.704.000 0.21%
2010 5.822.000 2.03%
2010 5.822.000 0%
2011 0 0%
2012 6.843.000 100%
2013 6.319.000 -8.29%
2014 6.419.000 1.56%
2015 6.714.000 4.39%
2016 7.519.000 10.71%
2017 6.541.000 -14.95%
2018 6.178.000 -5.88%
2019 6.161.000 -0.28%
2020 6.239.000 1.25%
2021 7.144.000 12.67%
2022 8.015.000 10.87%
2023 8.664.000 7.49%
2023 8.262.000 -4.87%
2024 8.572.000 3.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Wayne Savings Bancshares, Inc. EBITDA
Year EBITDA Growth
1990 20.680.000
1991 21.490.000 3.77%
1992 15.130.000 -42.04%
1993 13.210.000 -14.53%
1994 12.970.000 -1.85%
1995 12.200.000 -6.31%
1996 12.600.000 3.17%
1997 11.800.000 -6.78%
1998 13.900.000 15.11%
1999 13.500.000 -2.96%
2000 14.048.000 3.9%
2001 15.485.000 9.28%
2002 15.265.000 -1.44%
2003 13.733.000 -11.16%
2004 12.663.000 -8.45%
2005 10.035.000 -26.19%
2006 10.547.000 4.85%
2007 15.048.000 29.91%
2008 15.088.000 0.27%
2009 11.836.000 -27.48%
2010 9.581.000 -23.54%
2010 9.581.000 0%
2011 0 0%
2012 5.609.000 100%
2013 5.737.000 2.23%
2014 6.180.000 7.17%
2015 4.669.000 -32.36%
2016 5.739.000 18.64%
2017 7.047.000 18.56%
2018 9.491.000 25.75%
2019 8.594.000 -10.44%
2020 8.935.000 3.82%
2021 9.922.000 9.95%
2022 14.757.000 32.76%
2023 8.900.000 -65.81%
2023 507.000 -1655.42%
2024 -1.320.000 138.41%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Wayne Savings Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1990 0
1991 0 0%
1992 7.420.000 100%
1993 8.410.000 11.77%
1994 9.280.000 9.38%
1995 8.600.000 -7.91%
1996 8.400.000 -2.38%
1997 8.700.000 3.45%
1998 9.100.000 4.4%
1999 9.100.000 0%
2000 9.429.000 3.49%
2001 9.451.000 0.23%
2002 10.618.000 10.99%
2003 12.497.000 15.04%
2004 13.002.000 3.88%
2005 12.600.000 -3.19%
2006 13.185.000 4.44%
2007 12.878.000 -2.38%
2008 13.086.000 1.59%
2009 13.884.000 5.75%
2010 15.346.000 9.53%
2010 15.346.000 0%
2011 0 0%
2012 14.430.000 100%
2013 13.672.000 -5.54%
2014 14.418.000 5.17%
2015 14.316.000 -0.71%
2016 15.477.000 7.5%
2017 16.347.000 5.32%
2018 17.544.000 6.82%
2019 18.725.000 6.31%
2020 19.925.000 6.02%
2021 21.476.000 7.22%
2022 25.115.000 14.49%
2023 23.900.000 -5.08%
2023 38.112.000 37.29%
2024 41.488.000 8.14%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Wayne Savings Bancshares, Inc. Net Profit
Year Net Profit Growth
1990 4.390.000
1991 5.310.000 17.33%
1992 640.000 -729.69%
1993 1.050.000 39.05%
1994 2.180.000 51.83%
1995 1.600.000 -36.25%
1996 1.400.000 -14.29%
1997 700.000 -100%
1998 1.800.000 61.11%
1999 1.600.000 -12.5%
2000 1.251.000 -27.9%
2001 1.332.000 6.08%
2002 1.823.000 26.93%
2003 2.772.000 34.24%
2004 2.704.000 -2.51%
2005 381.000 -609.71%
2006 1.640.000 76.77%
2007 2.161.000 24.11%
2008 1.964.000 -10.03%
2009 1.863.000 -5.42%
2010 2.237.000 16.72%
2010 2.198.000 -1.77%
2011 0 0%
2012 1.722.000 100%
2013 2.056.000 16.25%
2014 2.631.000 21.85%
2015 1.647.000 -59.74%
2016 2.246.000 26.67%
2017 3.109.000 27.76%
2018 5.148.000 39.61%
2019 6.451.000 20.2%
2020 6.690.000 3.57%
2021 7.437.000 10.04%
2022 9.004.000 17.4%
2023 7.092.000 -26.96%
2023 7.833.000 9.46%
2024 6.156.000 -27.24%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Wayne Savings Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1990 1
1991 1 0%
1992 0 0%
1993 0 0%
1994 1 0%
1995 1 0%
1996 1 0%
1997 0 0%
1998 1 0%
1999 1 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2010 1 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 2 0%
2019 2 50%
2020 3 0%
2021 3 33.33%
2022 4 0%
2023 3 0%
2023 4 0%
2024 3 -50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Wayne Savings Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1990 430.000
1991 1.020.000 57.84%
1992 2.220.000 54.05%
1993 -330.000 772.73%
1994 250.000 232%
1995 2.700.000 90.74%
1996 -200.000 1450%
1997 400.000 150%
1998 -2.700.000 114.81%
1999 -1.600.000 -68.75%
2000 1.953.000 181.93%
2001 401.000 -387.03%
2002 1.597.000 74.89%
2003 4.514.000 64.62%
2004 3.050.000 -48%
2005 3.592.000 15.09%
2006 2.362.000 -52.07%
2007 2.601.000 9.19%
2008 2.209.000 -17.75%
2009 1.414.000 -56.22%
2010 480.000 -194.58%
2011 5.090.000 90.57%
2012 5.147.000 1.11%
2013 4.750.000 -8.36%
2014 3.460.000 -37.28%
2015 3.656.000 5.36%
2016 4.428.000 17.43%
2017 5.213.000 15.06%
2018 6.395.000 18.48%
2019 7.579.000 15.62%
2020 7.012.000 -8.09%
2021 8.127.000 13.72%
2022 10.894.000 25.4%
2023 6.511.000 -67.32%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Wayne Savings Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1990 670.000
1991 1.120.000 40.18%
1992 2.370.000 52.74%
1993 -130.000 1923.08%
1994 860.000 115.12%
1995 2.900.000 70.34%
1996 1.000.000 -190%
1997 1.300.000 23.08%
1998 200.000 -550%
1999 200.000 0%
2000 3.018.000 93.37%
2001 1.516.000 -99.08%
2002 2.615.000 42.03%
2003 4.679.000 44.11%
2004 3.481.000 -34.42%
2005 4.013.000 13.26%
2006 2.642.000 -51.89%
2007 2.923.000 9.61%
2008 2.697.000 -8.38%
2009 1.414.000 -90.74%
2010 480.000 -194.58%
2011 5.214.000 90.79%
2012 5.625.000 7.31%
2013 4.943.000 -13.8%
2014 4.181.000 -18.23%
2015 4.083.000 -2.4%
2016 4.856.000 15.92%
2017 5.533.000 12.24%
2018 6.482.000 14.64%
2019 8.053.000 19.51%
2020 7.613.000 -5.78%
2021 8.365.000 8.99%
2022 11.312.000 26.05%
2023 6.739.000 -67.86%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Wayne Savings Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1990 240.000
1991 100.000 -140%
1992 150.000 33.33%
1993 200.000 25%
1994 610.000 67.21%
1995 200.000 -205%
1996 1.200.000 83.33%
1997 900.000 -33.33%
1998 2.900.000 68.97%
1999 1.800.000 -61.11%
2000 1.065.000 -69.01%
2001 1.115.000 4.48%
2002 1.018.000 -9.53%
2003 165.000 -516.97%
2004 431.000 61.72%
2005 421.000 -2.38%
2006 280.000 -50.36%
2007 322.000 13.04%
2008 488.000 34.02%
2009 0 0%
2010 0 0%
2011 124.000 100%
2012 478.000 74.06%
2013 193.000 -147.67%
2014 721.000 73.23%
2015 427.000 -68.85%
2016 428.000 0.23%
2017 320.000 -33.75%
2018 87.000 -267.82%
2019 474.000 81.65%
2020 601.000 21.13%
2021 238.000 -152.52%
2022 418.000 43.06%
2023 228.000 -83.33%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Wayne Savings Bancshares, Inc. Equity
Year Equity Growth
1991 12.100.000
1992 12.800.000 5.47%
1993 13.800.000 7.25%
1994 20.400.000 32.35%
1995 21.900.000 6.85%
1996 22.900.000 4.37%
1997 23.100.000 0.87%
1998 24.400.000 5.33%
1999 25.000.000 2.4%
2000 25.121.000 0.48%
2001 25.255.000 0.53%
2002 26.047.000 3.04%
2003 44.663.000 41.68%
2004 43.561.000 -2.53%
2005 40.199.000 -8.36%
2006 35.516.000 -13.19%
2007 34.433.000 -3.15%
2008 34.104.000 -0.96%
2009 34.413.000 0.9%
2010 36.995.000 6.98%
2010 36.995.000 0%
2011 39.715.000 6.85%
2012 39.785.000 0.18%
2013 38.552.000 -3.2%
2014 40.002.000 3.62%
2015 39.905.000 -0.24%
2016 41.028.000 2.74%
2017 41.585.000 1.34%
2018 44.878.000 7.34%
2019 48.391.000 7.26%
2020 52.115.000 7.15%
2021 53.626.000 2.82%
2022 44.730.000 -19.89%
2023 52.967.000 15.55%
2023 47.591.000 -11.3%
2024 53.021.000 10.24%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Wayne Savings Bancshares, Inc. Assets
Year Assets Growth
1991 229.600.000
1992 239.300.000 4.05%
1993 238.200.000 -0.46%
1994 239.700.000 0.63%
1995 241.400.000 0.7%
1996 248.500.000 2.86%
1997 252.200.000 1.47%
1998 259.800.000 2.93%
1999 271.300.000 4.24%
2000 304.069.000 10.78%
2001 311.640.000 2.43%
2002 334.843.000 6.93%
2003 378.991.000 11.65%
2004 369.007.000 -2.71%
2005 403.401.000 8.53%
2006 403.679.000 0.07%
2007 405.737.000 0.51%
2008 401.584.000 -1.03%
2009 404.421.000 0.7%
2010 406.032.000 0.4%
2010 406.032.000 0%
2011 410.097.000 0.99%
2012 402.117.000 -1.98%
2013 410.293.000 1.99%
2014 417.519.000 1.73%
2015 433.632.000 3.72%
2016 454.791.000 4.65%
2017 439.797.000 -3.41%
2018 472.887.000 7%
2019 492.586.000 4%
2020 591.591.000 16.74%
2021 636.004.000 6.98%
2022 729.773.000 12.85%
2023 809.947.000 9.9%
2023 798.241.000 -1.47%
2024 818.159.000 2.43%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Wayne Savings Bancshares, Inc. Liabilities
Year Liabilities Growth
1991 217.500.000
1992 226.500.000 3.97%
1993 224.400.000 -0.94%
1994 219.300.000 -2.33%
1995 219.500.000 0.09%
1996 225.600.000 2.7%
1997 229.100.000 1.53%
1998 235.400.000 2.68%
1999 246.300.000 4.43%
2000 278.948.000 11.7%
2001 286.385.000 2.6%
2002 308.796.000 7.26%
2003 334.328.000 7.64%
2004 325.446.000 -2.73%
2005 363.202.000 10.4%
2006 368.163.000 1.35%
2007 371.304.000 0.85%
2008 367.480.000 -1.04%
2009 370.008.000 0.68%
2010 369.037.000 -0.26%
2010 369.037.000 0%
2011 370.382.000 0.36%
2012 362.332.000 -2.22%
2013 371.741.000 2.53%
2014 377.517.000 1.53%
2015 393.727.000 4.12%
2016 413.763.000 4.84%
2017 398.212.000 -3.91%
2018 428.009.000 6.96%
2019 444.195.000 3.64%
2020 539.476.000 17.66%
2021 582.378.000 7.37%
2022 685.043.000 14.99%
2023 756.980.000 9.5%
2023 750.650.000 -0.84%
2024 765.138.000 1.89%

Wayne Savings Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.09
Net Income per Share
3.22
Price to Earning Ratio
7.53x
Price To Sales Ratio
1.61x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.01
EV to Sales
2.22
EV Over EBITDA
20.37
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
0,05 Bil.
Enterprise Value
0,07 Bil.
Graham Number
41.79
Graham NetNet
-358.61

Income Statement Metrics

Net Income per Share
3.22
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.8
EBT Per Ebit
0.38
Ebit per Revenue
0.71
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.25
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.71
Pretax Profit Margin
0.27
Net Profit Margin
0.21

Dividends

Dividend Yield
0.03
Dividend Yield %
2.84
Payout Ratio
0
Dividend Per Share
0.69

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.19
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-11,04
Book Value per Share
24,09
Tangible Book Value per Share
24.09
Shareholders Equity per Share
24.09
Interest Debt per Share
27.28
Debt to Equity
0.84
Debt to Assets
0.05
Net Debt to EBITDA
5.6
Current Ratio
2.84
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,74 Bil.
Invested Capital
0.84
Working Capital
0,02 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
9063000
Debt to Market Cap
0.83

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Wayne Savings Bancshares, Inc. Dividends
Year Dividends Growth
1993 0
1994 1 0%
1995 1 0%
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
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Wayne Savings Bancshares, Inc. Profile

About Wayne Savings Bancshares, Inc.

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers financial planning, retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. As of January 20, 2022, the company operated through twelve full-service banking locations in the communities of Wooster, Ashland, Millersburg, Rittman, Lodi, North Canton, Creston, Fredericksburg, and Washingtonville, Ohio. Wayne Savings Bancshares, Inc. was founded in 1899 and is based in Wooster, Ohio.

CEO
Mr. James R. VanSickle II
Employee
110
Address
151 North Market Street
Wooster, 44691

Wayne Savings Bancshares, Inc. Executives & BODs

Wayne Savings Bancshares, Inc. Executives & BODs
# Name Age
1 Mr. James R. VanSickle II
President, Chief Executive Officer & Director
70
2 Mr. Mark R. Witmer
Executive Chair of the Board
70
3 Mr. Joel Dale Beckler
Senior Vice President & Senior Loan Officer
70
4 Julie Kastner
Vice President and Manager of Human Resources & Training
70
5 Kimberly Wolfe
Vice President & Chief Credit Officer
70
6 Ms. Debra A. Marthey
Secretary, Treasurer & Director
70
7 Matthew L. Hartzler
Vice President, Chief Risk Officer & Senior Operations Officer
70
8 Amberly M. Wolf
Vice President & Chief Retail Officer
70
9 Mr. Myron L. Swartzentruber
Senior Vice President, Treasurer & Chief Financial Officer
70

Wayne Savings Bancshares, Inc. Competitors