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COMPANY SUMMARY
Woodlands Financial Services Company operates as the financial services holding company for Woodlands Bank and Woodlands Stock Corporation that provides commercial and consumer banking, and trust services in Lycoming and Clinton counties in Pennsylvania. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts (IRAs). It also offers loan products, such as 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. In addition, the company offers credit cards; mobile deposit, merchant, fraud protection, cyber security, online and mobile banking, bill pay, and other services; and notary, safe deposit box, wire transfers, and treasurer’s checks services. Further, it provides personal trust, asset management and custodial, estate and financial planning, executor and estate settlement, IRA management, and charitable and institutional investment management services; and retirement plans, brokerage services, insurance solutions, and college savings. Woodlands Financial Services Company was founded in 1989 and is headquartered in Williamsport, Pennsylvania.
Financial Summary
| Share Statistics | WDFN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $46.5 | $716.9 | 15% |
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| Shares Out (Mil) | 1.4 | 15.7 | 6% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | na | 21.2 | na |
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| Beta | na | 0.48 | na |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
84.7% | 96.7% | 89% |
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| Growth | WDFN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.7% | 7.6% | 30% |
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| Net Income (5yr) | 1.6% | 11.1% | 42% |
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| EPS (5yr) | 3.4% | 10.1% | 36 |
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| Dividends (5yr) | 2.2% | 3.6% | 81% |
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| Cash Flow (5yr) | (10.2%) | (17.0%) | 58% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | WDFN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $23 | $190 | 14% |
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| Net Income (TTM) (Mil) | $5 | $51 | 43% |
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| EPS (TTM) | $3.721 | $2.500 | 82% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $10 | $100 | 28% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | WDFN | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.08 | 1.27 | 25% |
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| P/E | 8.9 | 12.9 | 12% |
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| Dividend Yield | 3.5% | 2.2% | 88% |
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| PEG (5yr hist) | 2.6 | 1.1 | 75% |
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| Ratios | WDFN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 26.4% | 28.9% | 85% |
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| ROA | 0.9% | 1.0% | 45% |
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| ROE | 11.4% | 11.1% | 62% |
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| Liabilities to Assets | 93.0% | 89.8% | 90% |
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| F-Score | 1 | 4 | 1% |
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Woodlands Financial Services Company did not pass any screens on 7/31/2026.
