WILLIAM PENN BANCORP (WMPN) Stock Fundamental Analysis
NASDAQ:WMPN - Nasdaq - US96927A1051 - Common Stock - Currency: USD
Overall WMPN gets a fundamental rating of 2 out of 10. We evaluated WMPN against 404 industry peers in the Banks industry. The financial health of WMPN is average, but there are quite some concerns on its profitability. WMPN does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
WMPN had negative earnings in the past year.
In the past year WMPN has reported a negative cash flow from operations.
Each year in the past 5 years WMPN has been profitable.
Of the past 5 years WMPN 4 years had a positive operating cash flow.
1.2 Ratios
WMPN's Return On Assets of -0.13% is on the low side compared to the rest of the industry. WMPN is outperformed by 93.22% of its industry peers.
With a Return On Equity value of -0.83%, WMPN is not doing good in the industry: 92.96% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.13% | ||
| ROE | -0.83% | ||
| ROIC | N/A |
ROA(3y)0.28%
ROA(5y)0.29%
ROE(3y)1.36%
ROE(5y)1.44%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WMPN's Profit Margin has declined in the last couple of years.
WMPN does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-62.41%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WMPN does not have a ROIC to compare to the WACC, probably because it is not profitable.
WMPN has less shares outstanding than it did 1 year ago.
WMPN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
WMPN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for WMPN have decreased strongly by -271.43% in the last year.
Measured over the past years, WMPN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -58.55% on average per year.
WMPN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.98%.
Measured over the past years, WMPN shows a decrease in Revenue. The Revenue has been decreasing by -5.77% on average per year.
EPS 1Y (TTM)-271.43%
EPS 3Y-58.55%
EPS 5YN/A
EPS Q2Q%-350%
Revenue 1Y (TTM)-11.98%
Revenue growth 3Y-5.77%
Revenue growth 5YN/A
Sales Q2Q%-8.35%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
WMPN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
WMPN has a yearly dividend return of 0.96%, which is pretty low.
With a Dividend Yield of 0.96, WMPN pays less dividend than the industry average, which is at 3.16. 81.16% of the companies listed in the same industry pay a better dividend than WMPN!
Compared to an average S&P500 Dividend Yield of 2.29, WMPN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
5.2 History
On average, the dividend of WMPN grows each year by 30.09%, which is quite nice.
WMPN has paid a dividend for at least 10 years, which is a reliable track record.
WMPN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)30.09%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
WMPN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-100%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:WMPN (2/21/2025, 1:31:17 PM)
12.11
-0.18 (-1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.97%
Inst Owner Change49.25%
Ins Owners9.77%
Ins Owner Change1.08%
Market Cap111.53M
Analysts82.86
Price Target14.28 (17.92%)
Short Float %0.16%
Short Ratio0.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
Yearly Dividend0.11
Dividend Growth(5Y)30.09%
DP-100%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)14.22%
Min EPS beat(2)-47.06%
Max EPS beat(2)75.49%
EPS beat(4)3
Avg EPS beat(4)51.66%
Min EPS beat(4)-47.06%
Max EPS beat(4)100%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-9.83%
Min Revenue beat(2)-14.18%
Max Revenue beat(2)-5.49%
Revenue beat(4)1
Avg Revenue beat(4)-4.25%
Min Revenue beat(4)-14.18%
Max Revenue beat(4)3.8%
Revenue beat(8)1
Avg Revenue beat(8)-6.41%
Revenue beat(12)1
Avg Revenue beat(12)-6.05%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.77 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.9 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.12
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.19
FCFYN/A
OCF(TTM)-0.18
OCFYN/A
SpS2.1
BVpS13.49
TBVpS12.93
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.13% | ||
| ROE | -0.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.28%
ROA(5y)0.29%
ROE(3y)1.36%
ROE(5y)1.44%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-62.41%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 7.8% | ||
| Cap/Sales | 0.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score2
WACC14.67%
ROIC/WACCN/A
Cap/Depr(3y)38.01%
Cap/Depr(5y)81.19%
Cap/Sales(3y)1.83%
Cap/Sales(5y)3.98%
Profit Quality(3y)123.15%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-271.43%
EPS 3Y-58.55%
EPS 5YN/A
EPS Q2Q%-350%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.98%
Revenue growth 3Y-5.77%
Revenue growth 5YN/A
Sales Q2Q%-8.35%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-137.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-131.67%
OCF growth 3YN/A
OCF growth 5YN/A