WCF Bancorp, Inc. Logo

WCF Bancorp, Inc.

WCFB

(1.8)
Stock Price

7,00 USD

-0.21% ROA

-2.21% ROE

-21.36x PER

Market Cap.

13.149.472,00 USD

134.64% DER

3.04% Yield

-4.41% NPM

WCF Bancorp, Inc. Stock Analysis

WCF Bancorp, 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.

WCF Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.61x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

The stock's ROE falls within an average range (0.81%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.16%) 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.

5 DER

The stock has a reasonable amount of debt compared to its ownership (86%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (-68), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

WCF Bancorp, 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.

WCF Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

WCF Bancorp, 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.

WCF Bancorp, Inc. Revenue
Year Revenue Growth
1997 3.600.000
1998 3.500.000 -2.86%
1999 3.613.607 3.14%
2000 3.748.307 3.59%
2001 3.704.175 -1.19%
2002 4.317.989 14.22%
2003 4.061.244 -6.32%
2004 3.986.318 -1.88%
2005 4.020.000 0.84%
2006 3.502.000 -14.79%
2014 3.363.639 -4.11%
2015 3.200.969 -5.08%
2016 3.298.186 2.95%
2017 3.314.116 0.48%
2018 3.101.102 -6.87%
2019 3.069.772 -1.02%
2019 5.116.550 40%
2020 4.895.218 -4.52%
2021 5.243.389 6.64%
2022 6.107.222 14.14%
2023 5.304.927 -15.12%
2024 11.626.476 54.37%

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.

WCF Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1997 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%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 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.

WCF Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 700.000
1998 800.000 12.5%
1999 810.858 1.34%
2000 891.530 9.05%
2001 1.008.798 11.62%
2002 1.143.193 11.76%
2003 1.179.121 3.05%
2004 1.255.959 6.12%
2005 1.231.000 -2.03%
2006 1.231.000 0%
2014 783.934 -57.03%
2015 1.383.568 43.34%
2016 1.519.575 8.95%
2017 1.557.112 2.41%
2018 1.621.296 3.96%
2019 1.468.244 -10.42%
2019 915.186 -60.43%
2020 940.896 2.73%
2021 811.802 -15.9%
2022 844.381 3.86%
2023 1.053.741 19.87%
2024 0 0%

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.

WCF Bancorp, Inc. EBITDA
Year EBITDA Growth
1997 2.200.000
1998 2.100.000 -4.76%
1999 2.087.263 -0.61%
2000 2.182.504 4.36%
2001 1.903.135 -14.68%
2002 2.413.556 21.15%
2003 1.956.012 -23.39%
2004 1.880.114 -4.04%
2005 1.855.000 -1.35%
2006 1.350.000 -37.41%
2014 -84.671 1694.41%
2015 1.136.569 107.45%
2016 937.105 -21.29%
2017 933.846 -0.35%
2018 954.371 2.15%
2019 530.108 -80.03%
2019 -30.334 1847.57%
2020 120.419 125.19%
2021 -33.900 455.22%
2022 118.949 128.5%
2023 272.058 56.28%
2024 0 0%

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.

WCF Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1997 3.600.000
1998 3.500.000 -2.86%
1999 3.613.607 3.14%
2000 3.748.307 3.59%
2001 3.704.175 -1.19%
2002 4.317.989 14.22%
2003 4.061.244 -6.32%
2004 3.986.318 -1.88%
2005 4.020.000 0.84%
2006 3.502.000 -14.79%
2014 3.363.639 -4.11%
2015 3.200.969 -5.08%
2016 3.298.186 2.95%
2017 3.314.116 0.48%
2018 3.101.102 -6.87%
2019 3.069.772 -1.02%
2019 5.116.550 40%
2020 4.895.218 -4.52%
2021 5.243.389 6.64%
2022 6.107.222 14.14%
2023 5.306.110 -15.1%
2024 11.626.476 54.36%

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.

WCF Bancorp, Inc. Net Profit
Year Net Profit Growth
1997 1.400.000
1998 1.300.000 -7.69%
1999 1.249.681 -4.03%
2000 1.300.630 3.92%
2001 1.189.899 -9.31%
2002 1.437.294 17.21%
2003 1.186.588 -21.13%
2004 1.128.555 -5.14%
2005 1.095.000 -3.06%
2006 892.000 -22.76%
2014 449.166 -98.59%
2015 393.865 -14.04%
2016 109.413 -259.98%
2017 -116.105 194.24%
2018 226.407 151.28%
2019 -60.892 471.82%
2019 212.776 128.62%
2020 240.200 11.42%
2021 717.801 66.54%
2022 617.483 -16.25%
2023 -163.098 478.6%
2024 51.192 418.6%

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.

WCF Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 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%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

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.

WCF Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1997 1.600.000
1998 1.500.000 -6.67%
1999 1.423.038 -5.41%
2000 1.448.348 1.75%
2001 912.021 -58.81%
2002 1.423.505 35.93%
2003 1.333.283 -6.77%
2004 1.488.843 10.45%
2005 0 0%
2006 0 0%
2014 -1.248.920 100%
2015 223.567 658.63%
2016 551.917 59.49%
2017 906.398 39.11%
2018 621.058 -45.94%
2019 543.738 -14.22%
2019 -145.094 474.75%
2020 362.748 140%
2021 885.204 59.02%
2022 114.613 -672.34%
2023 -2.507.164 104.57%
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.

WCF Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1997 1.600.000
1998 1.500.000 -6.67%
1999 1.463.657 -2.48%
2000 1.505.780 2.8%
2001 1.350.498 -11.5%
2002 1.426.780 5.35%
2003 1.374.278 -3.82%
2004 1.503.477 8.59%
2005 0 0%
2006 0 0%
2014 1.102.488 100%
2015 1.260.311 12.52%
2016 640.280 -96.84%
2017 951.106 32.68%
2018 676.244 -40.65%
2019 583.640 -15.87%
2019 -142.507 509.55%
2020 398.186 135.79%
2021 1.019.099 60.93%
2022 876.469 -16.27%
2023 73.822 -1087.27%
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.

WCF Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1997 0
1998 0 0%
1999 40.619 100%
2000 57.432 29.27%
2001 438.477 86.9%
2002 3.275 -13288.61%
2003 40.995 92.01%
2004 14.634 -180.14%
2005 0 0%
2006 0 0%
2014 2.351.408 100%
2015 1.036.744 -126.81%
2016 88.363 -1073.28%
2017 44.708 -97.64%
2018 55.186 18.99%
2019 39.902 -38.3%
2019 2.587 -1442.4%
2020 35.438 92.7%
2021 133.895 73.53%
2022 761.856 82.43%
2023 2.580.986 70.48%
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.

WCF Bancorp, Inc. Equity
Year Equity Growth
1997 22.400.000
1998 23.100.000 3.03%
1999 22.348.305 -3.36%
2000 20.904.904 -6.9%
2001 21.348.300 2.08%
2002 22.318.802 4.35%
2003 22.658.074 1.5%
2004 22.730.620 0.32%
2005 19.854.000 -14.49%
2006 18.609.000 -6.69%
2014 14.822.478 -25.55%
2015 14.583.142 -1.64%
2016 28.846.980 49.45%
2017 28.429.514 -1.47%
2018 27.770.875 -2.37%
2019 28.029.204 0.92%
2019 27.836.611 -0.69%
2020 27.386.257 -1.64%
2021 26.745.716 -2.39%
2022 23.111.420 -15.73%
2023 22.608.750 -2.22%
2024 22.362.844 -1.1%

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.

WCF Bancorp, Inc. Assets
Year Assets Growth
1997 95.000.000
1998 94.100.000 -0.96%
1999 94.525.089 0.45%
2000 95.429.611 0.95%
2001 102.361.363 6.77%
2002 103.554.181 1.15%
2003 104.752.533 1.14%
2004 104.307.310 -0.43%
2005 98.444.000 -5.96%
2006 93.891.000 -4.85%
2014 111.235.281 15.59%
2015 112.915.924 1.49%
2016 123.647.347 8.68%
2017 132.221.145 6.48%
2018 137.364.472 3.74%
2019 133.421.136 -2.96%
2019 140.235.392 4.86%
2020 143.400.896 2.21%
2021 137.667.750 -4.16%
2022 161.479.999 14.75%
2023 196.168.478 17.68%
2024 207.534.379 5.48%

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.

WCF Bancorp, Inc. Liabilities
Year Liabilities Growth
1997 100.000
1998 71.000.000 99.86%
1999 72.176.784 1.63%
2000 74.524.707 3.15%
2001 9.753.454 -664.09%
2002 9.742.491 -0.11%
2003 82.094.459 88.13%
2004 81.576.690 -0.63%
2005 78.590.000 -3.8%
2006 75.282.000 -4.39%
2014 1.148.622 -6454.11%
2015 98.332.782 98.83%
2016 94.800.367 -3.73%
2017 103.791.631 8.66%
2018 109.593.597 5.29%
2019 105.391.932 -3.99%
2019 112.398.781 6.23%
2020 116.014.639 3.12%
2021 110.922.034 -4.59%
2022 138.368.579 19.84%
2023 173.559.728 20.28%
2024 185.171.535 6.27%

WCF Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.33
Net Income per Share
-0.31
Price to Earning Ratio
-21.36x
Price To Sales Ratio
1.25x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.42
EV to Sales
4.33
EV Over EBITDA
127.42
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
-0.05
FreeCashFlow Yield
0
Market Cap
0,01 Bil.
Enterprise Value
0,05 Bil.
Graham Number
10.39
Graham NetNet
-130.5

Income Statement Metrics

Net Income per Share
-0.31
Income Quality
0
ROE
-0.02
Return On Assets
-0
Return On Capital Employed
0.01
Net Income per EBT
0.64
EBT Per Ebit
-0.44
Ebit per Revenue
0.16
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.16
Pretax Profit Margin
-0.07
Net Profit Margin
-0.04

Dividends

Dividend Yield
0.03
Dividend Yield %
3.04
Payout Ratio
0
Dividend Per Share
0.2

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
0.02
Return on Tangible Assets
-0
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
-1,66
Book Value per Share
15,56
Tangible Book Value per Share
15.52
Shareholders Equity per Share
15.56
Interest Debt per Share
21.73
Debt to Equity
1.35
Debt to Assets
0.15
Net Debt to EBITDA
90.72
Current Ratio
2.36
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,18 Bil.
Invested Capital
9765733
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.29

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.

WCF Bancorp, Inc. Dividends
Year Dividends Growth
1994 0
1995 1 0%
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 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%
2024 0 0%

WCF Bancorp, Inc. Profile

About WCF Bancorp, Inc.

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; consumer and mortgage loans; debit and credit cards; safe deposit boxes and safe bonds; order checks; and other products. The company was founded in 1934 and is based in Webster City, Iowa.

CEO
Mr. Timothy R. Kluender
Employee
25
Address
401 Fair Meadow Drive
Webster City, 50595

WCF Bancorp, Inc. Executives & BODs

WCF Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Timothy R. Kluender
President, Chief Executive Officer & Director
70
2 Helaine Engler
Corporate Secretary
70
3 Ms. Lisa K. Johnson
Senior Vice President, Chief Operating Officer & Human Resources Director
70
4 Mr. Kelly J. Smith
Senior Vice President, Tama Market President & Senior Loan Officer
70
5 Ms. Stephanie Christian
Senior Vice President & Independence Market President
70
6 Ms. Michelle Zahn CPA
Senior Vice President & Chief Financial Officer
70
7 Mr. Todd R. Cordes
Executive Vice President & Chief Information Security Officer
70

WCF Bancorp, Inc. Competitors