Woodlands Financial Services Company Logo

Woodlands Financial Services Company

WDFN

(4.0)
Stock Price

19,75 USD

-10.47% ROA

-15.02% ROE

-5.61x PER

Market Cap.

30.603.420,00 USD

160.75% DER

5.53% Yield

-17.89% NPM

Woodlands Financial Services Company Stock Analysis

Woodlands Financial Services Company 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.

Woodlands Financial Services Company Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.78x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (36%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

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

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

6 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

7 ROE

ROE in an average range (8.43%) suggests satisfactory profitability and decent utilization of shareholders' equity.

8 ROA

The stock's ROA (0.8%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

9 Graham Number

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

10 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (147) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

Woodlands Financial Services Company 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.

Woodlands Financial Services Company Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Woodlands Financial Services Company 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.

Woodlands Financial Services Company Revenue
Year Revenue Growth
2002 5.465.866
2003 5.893.499 7.26%
2004 6.866.202 14.17%
2005 8.465.000 18.89%
2006 9.444.426 10.37%
2007 10.219.469 7.58%
2012 13.144.000 22.25%
2013 13.198.000 0.41%
2014 13.952.000 5.4%
2015 14.959.000 6.73%
2016 15.973.000 6.35%
2017 16.732.000 4.54%
2018 21.856.000 23.44%
2018 21.212.000 -3.04%
2019 21.953.000 3.38%
2020 21.176.000 -3.67%
2021 21.630.000 2.1%
2022 24.110.000 10.29%
2023 19.536.000 -23.41%
2023 29.546.000 33.88%
2024 31.744.000 6.92%

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.

Woodlands Financial Services Company Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 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.

Woodlands Financial Services Company General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 1.976.518
2003 2.411.101 18.02%
2004 2.792.405 13.66%
2005 3.362.000 16.94%
2006 3.827.204 12.16%
2007 3.890.770 1.63%
2012 755.000 -415.33%
2013 6.121.000 87.67%
2014 6.450.000 5.1%
2015 6.861.000 5.99%
2016 7.221.000 4.99%
2017 7.513.000 3.89%
2018 7.512.000 -0.01%
2018 1.091.000 -588.54%
2019 1.225.000 10.94%
2020 330.000 -271.21%
2021 238.000 -38.66%
2022 333.000 28.53%
2023 8.416.000 96.04%
2023 375.000 -2144.27%
2024 728.000 48.49%

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.

Woodlands Financial Services Company EBITDA
Year EBITDA Growth
2002 1.619.518
2003 1.806.803 10.37%
2004 1.929.164 6.34%
2005 2.293.000 15.87%
2006 2.270.957 -0.97%
2007 301.591 -652.99%
2012 -216.000 239.63%
2013 3.649.000 105.92%
2014 4.073.000 10.41%
2015 4.773.000 14.67%
2016 5.039.000 5.28%
2017 5.333.000 5.51%
2018 10.168.000 47.55%
2018 -156.000 6617.95%
2019 -104.000 -50%
2020 -106.000 1.89%
2021 -90.000 -17.78%
2022 -208.000 56.73%
2023 3.652.000 105.7%
2023 2.870.000 -27.25%
2024 -420.000 783.33%

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.

Woodlands Financial Services Company Gross Profit
Year Gross Profit Growth
2002 5.465.866
2003 5.893.499 7.26%
2004 6.866.202 14.17%
2005 8.465.000 18.89%
2006 9.444.426 10.37%
2007 10.219.469 7.58%
2012 13.144.000 22.25%
2013 13.198.000 0.41%
2014 13.952.000 5.4%
2015 14.959.000 6.73%
2016 15.973.000 6.35%
2017 16.732.000 4.54%
2018 21.856.000 23.44%
2018 21.212.000 -3.04%
2019 21.953.000 3.38%
2020 21.176.000 -3.67%
2021 21.630.000 2.1%
2022 24.110.000 10.29%
2023 19.536.000 -23.41%
2023 29.546.000 33.88%
2024 31.744.000 6.92%

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.

Woodlands Financial Services Company Net Profit
Year Net Profit Growth
2002 1.292.785
2003 1.243.979 -3.92%
2004 1.428.594 12.92%
2005 1.496.000 4.51%
2006 1.541.118 2.93%
2007 174.053 -785.43%
2012 3.163.000 94.5%
2013 2.630.000 -20.27%
2014 2.852.000 7.78%
2015 3.278.000 13%
2016 3.354.000 2.27%
2017 3.174.000 -5.67%
2018 8.268.000 61.61%
2018 5.460.000 -51.43%
2019 5.298.000 -3.06%
2020 4.764.000 -11.21%
2021 5.275.000 9.69%
2022 5.063.000 -4.19%
2023 3.260.000 -55.31%
2023 -3.983.000 181.85%
2024 2.608.000 252.72%

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.

Woodlands Financial Services Company Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 0 0%
2012 2 100%
2013 2 -100%
2014 2 0%
2015 2 50%
2016 2 0%
2017 2 0%
2018 5 60%
2018 4 -66.67%
2019 3 0%
2020 3 0%
2021 4 0%
2022 4 0%
2023 2 -50%
2023 -3 200%
2024 2 300%

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.

Woodlands Financial Services Company Free Cashflow
Year Free Cashflow Growth
2002 1.206.166
2003 1.078.808 -11.81%
2004 -183.524 687.83%
2005 -1.715.000 89.3%
2006 1.753.984 197.78%
2007 1.995.309 12.09%
2012 5.200.000 61.63%
2013 3.417.000 -52.18%
2014 -1.458.000 334.36%
2015 3.720.000 139.19%
2016 2.702.000 -37.68%
2017 4.314.000 37.37%
2018 5.388.000 19.93%
2019 4.654.000 -15.77%
2020 1.396.000 -233.38%
2021 4.631.000 69.86%
2022 991.000 -367.31%
2023 4.171.000 76.24%
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.

Woodlands Financial Services Company Operating Cashflow
Year Operating Cashflow Growth
2002 1.307.980
2003 1.394.272 6.19%
2004 1.563.177 10.81%
2005 1.788.000 12.57%
2006 1.928.093 7.27%
2007 2.251.555 14.37%
2012 5.431.000 58.54%
2013 4.132.000 -31.44%
2014 3.869.000 -6.8%
2015 3.969.000 2.52%
2016 3.869.000 -2.58%
2017 4.504.000 14.1%
2018 5.516.000 18.35%
2019 4.970.000 -10.99%
2020 3.169.000 -56.83%
2021 5.745.000 44.84%
2022 4.207.000 -36.56%
2023 4.488.000 6.26%
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.

Woodlands Financial Services Company Capital Expenditure
Year Capital Expenditure Growth
2002 101.814
2003 315.464 67.73%
2004 1.746.701 81.94%
2005 3.503.000 50.14%
2006 174.109 -1911.96%
2007 256.246 32.05%
2012 231.000 -10.93%
2013 715.000 67.69%
2014 5.327.000 86.58%
2015 249.000 -2039.36%
2016 1.167.000 78.66%
2017 190.000 -514.21%
2018 128.000 -48.44%
2019 316.000 59.49%
2020 1.773.000 82.18%
2021 1.114.000 -59.16%
2022 3.216.000 65.36%
2023 317.000 -914.51%
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.

Woodlands Financial Services Company Equity
Year Equity Growth
2002 12.554.797
2003 13.770.407 8.83%
2004 14.384.871 4.27%
2005 18.872.000 23.78%
2006 19.753.658 4.46%
2007 18.811.337 -5.01%
2012 29.448.000 36.12%
2013 29.719.000 0.91%
2014 32.779.000 9.34%
2015 34.776.000 5.74%
2016 36.570.000 4.91%
2017 38.688.000 5.47%
2018 39.454.000 1.94%
2018 40.924.000 3.59%
2019 45.804.000 10.65%
2020 48.469.000 5.5%
2021 47.685.000 -1.64%
2022 36.307.000 -31.34%
2023 36.190.000 -0.32%
2023 33.168.999 -9.11%
2024 33.180.999 0.04%

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.

Woodlands Financial Services Company Assets
Year Assets Growth
2002 151.139.776
2003 161.038.353 6.15%
2004 175.535.502 8.26%
2005 201.342.000 12.82%
2006 234.396.714 14.1%
2007 249.443.147 6.03%
2012 321.565.000 22.43%
2013 332.136.000 3.18%
2014 364.202.000 8.8%
2015 375.232.000 2.94%
2016 391.317.000 4.11%
2017 396.408.000 1.28%
2018 403.678.000 1.8%
2018 414.435.000 2.6%
2019 416.232.000 0.43%
2020 503.042.000 17.26%
2021 573.591.000 12.3%
2022 611.210.000 6.15%
2023 608.487.000 -0.45%
2023 612.909.000 0.72%
2024 614.541.000 0.27%

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.

Woodlands Financial Services Company Liabilities
Year Liabilities Growth
2002 138.584.979
2003 147.267.946 5.9%
2004 161.150.631 8.61%
2005 182.470.000 11.68%
2006 214.643.056 14.99%
2007 588.907 -36347.7%
2012 292.117.000 99.8%
2013 302.417.000 3.41%
2014 331.423.000 8.75%
2015 340.456.000 2.65%
2016 354.747.000 4.03%
2017 357.720.000 0.83%
2018 364.224.000 1.79%
2018 373.511.000 2.49%
2019 370.428.000 -0.83%
2020 454.573.000 18.51%
2021 525.905.999 13.56%
2022 574.903.000 8.52%
2023 572.297.000 -0.46%
2023 579.740.000 1.28%
2024 581.360.000 0.28%

Woodlands Financial Services Company Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
20.26
Net Income per Share
-3.74
Price to Earning Ratio
-5.61x
Price To Sales Ratio
1.08x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.88
EV to Sales
2.67
EV Over EBITDA
16.14
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
-0.18
FreeCashFlow Yield
0
Market Cap
0,03 Bil.
Enterprise Value
0,08 Bil.
Graham Number
44.74
Graham NetNet
-413.45

Income Statement Metrics

Net Income per Share
-3.74
Income Quality
0
ROE
-0.15
Return On Assets
-0.01
Return On Capital Employed
-0.02
Net Income per EBT
0.73
EBT Per Ebit
0.65
Ebit per Revenue
-0.38
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
-0.38
Pretax Profit Margin
-0.25
Net Profit Margin
-0.18

Dividends

Dividend Yield
0.06
Dividend Yield %
5.53
Payout Ratio
0
Dividend Per Share
1.16

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
-0.06
Return on Tangible Assets
-0.1
Days Sales Outstanding
28.88
Days Payables Outstanding
76.35
Days of Inventory on Hand
-1252.29
Receivables Turnover
12.64
Payables Turnover
4.78
Inventory Turnover
-0.29
Capex per Share
0

Balance Sheet

Cash per Share
6,02
Book Value per Share
23,79
Tangible Book Value per Share
-381.13
Shareholders Equity per Share
23.79
Interest Debt per Share
46.54
Debt to Equity
1.61
Debt to Assets
0.09
Net Debt to EBITDA
9.6
Current Ratio
0.06
Tangible Asset Value
-0,53 Bil.
Net Current Asset Value
-0,57 Bil.
Invested Capital
412023000
Working Capital
-0,16 Bil.
Intangibles to Total Assets
0.92
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-11929500
Debt to Market Cap
1.74

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.

Woodlands Financial Services Company Dividends
Year Dividends Growth
2007 1
2008 1 100%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Woodlands Financial Services Company Profile

About Woodlands Financial Services Company

Woodlands Financial Services Company operates as the holding company for Woodlands Bank that provides commercial and consumer banking, and trust services in Lycoming and Clinton counties, and the surrounding market area in Pennsylvania. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include home, construction, bridge, and home equity loans and lines; auto, recreational vehicle, and student loans, as well as personal loans and personal lines of credit; and commercial real estate financing, working capital loans, equipment financing, vehicle financing, and lines of credit. It also offers credit cards; and cyber security, securlock, bill pay, mobile deposit, online and mobile banking, notary safe deposit box, wire transfers, and treasurer checks services. In addition, the company provides personal trust, asset management and custodial, estate and financial planning, executor and estate settlement, and charitable and institutional investment management services. Woodlands Financial Services Company was founded in 1989 and is based in Williamsport, Pennsylvania.

CEO
Mr. Jon P. Conklin
Employee
0
Address
2450 East Third Street
Williamsport, 17701

Woodlands Financial Services Company Executives & BODs

Woodlands Financial Services Company Executives & BODs
# Name Age
1 Mr. Matthew A. Gaugler
Vice President & Chief Information Officer
70
2 Mr. Joseph F. Farley
Executive Vice President, Chief Financial Officer & Chief Operating Officer
70
3 Mr. Brian S. Brooking
Vice President & Secretary
70
4 Mr. Jon P. Conklin
Chairman, President & Chief Executive Officer
70

Woodlands Financial Services Company Competitors