WILLIAM PENN BANCORP (WMPN)

US96927A1051 - Common Stock

12.22  +0.11 (+0.91%)

Fundamental Rating

2

Overall WMPN gets a fundamental rating of 2 out of 10. We evaluated WMPN against 412 industry peers in the Banks industry. The financial health of WMPN is average, but there are quite some concerns on its profitability. WMPN is valued expensive and it does not seem to be growing.



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1

1. Profitability

1.1 Basic Checks

In the past year WMPN was profitable.
WMPN had a positive operating cash flow in the past year.

1.2 Ratios

With a Return On Assets value of 0.11%, WMPN is not doing good in the industry: 92.48% of the companies in the same industry are doing better.
WMPN has a worse Return On Equity (0.70%) than 92.72% of its industry peers.
Industry RankSector Rank
ROA 0.11%
ROE 0.7%
ROIC N/A
ROA(3y)0.42%
ROA(5y)N/A
ROE(3y)1.9%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 4.10%, WMPN is not doing good in the industry: 93.69% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of WMPN has grown nicely.
The Operating Margin and Gross Margin are not available for WMPN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 4.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.59%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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4

2. Health

2.1 Basic Checks

WMPN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WMPN has less shares outstanding
There is no outstanding debt for WMPN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

There is no outstanding debt for WMPN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC11.45%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

WMPN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.00%.
The Earnings Per Share has been growing by 30.06% on average over the past years. This is a very strong growth
Looking at the last year, WMPN shows a very negative growth in Revenue. The Revenue has decreased by -16.62% in the last year.
Measured over the past years, WMPN shows a quite strong growth in Revenue. The Revenue has been growing by 13.84% on average per year.
EPS 1Y (TTM)-75%
EPS 3Y30.06%
EPS 5YN/A
EPS growth Q2Q-133.33%
Revenue 1Y (TTM)-16.62%
Revenue growth 3Y13.84%
Revenue growth 5YN/A
Revenue growth Q2Q-27.39%

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 Y-25.82%
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.

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0

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 174.57, WMPN can be considered very expensive at the moment.
WMPN's Price/Earnings ratio is rather expensive when compared to the industry. WMPN is more expensive than 94.17% of the companies in the same industry.
WMPN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.28.
A Price/Forward Earnings ratio of 74.88 indicates a quite expensive valuation of WMPN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WMPN indicates a rather expensive valuation: WMPN more expensive than 80.10% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of WMPN to the average of the S&P500 Index (20.88), we can say WMPN is valued expensively.
Industry RankSector Rank
PE 174.57
Fwd PE 74.88

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WMPN is valued more expensive than 84.22% of the companies in the same industry.
Industry RankSector Rank
P/FCF 43.43
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

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2

5. Dividend

5.1 Amount

WMPN has a yearly dividend return of 0.99%, which is pretty low.
With a Dividend Yield of 0.99, WMPN pays less dividend than the industry average, which is at 3.78. 84.22% of the companies listed in the same industry pay a better dividend than WMPN!
Compared to an average S&P500 Dividend Yield of 2.41, WMPN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.99%

5.2 History

On average, the dividend of WMPN grows each year by 20.49%, which is quite nice.
WMPN has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of WMPN decreased recently.
Dividend Growth(5Y)20.49%
Div Incr Years0
Div Non Decr Years1

5.3 Sustainability

WMPN pays out 155.05% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of WMPN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP155.05%
EPS Next 2YN/A
EPS Next 3YN/A

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WILLIAM PENN BANCORP

NASDAQ:WMPN (5/3/2024, 7:26:39 PM)

12.22

+0.11 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap115.60M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 0.99%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 174.57
Fwd PE 74.88
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.11%
ROE 0.7%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 4.1%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-75%
EPS 3Y30.06%
EPS 5Y
EPS growth Q2Q
EPS Next Y-25.82%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-16.62%
Revenue growth 3Y13.84%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y