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WILLIAM PENN BANCORP (WMPN) Stock Fundamental Analysis

NASDAQ:WMPN - Nasdaq - US96927A1051 - Common Stock - Currency: USD

12.32  -0.03 (-0.24%)

Fundamental Rating

2

Taking everything into account, WMPN scores 2 out of 10 in our fundamental rating. WMPN was compared to 396 industry peers in the Banks industry. While WMPN seems to be doing ok healthwise, there are quite some concerns on its profitability. WMPN has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

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.
In the past 5 years WMPN has always been profitable.
Of the past 5 years WMPN 4 years had a positive operating cash flow.
WMPN Yearly Net Income VS EBIT VS OCF VS FCFWMPN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 2M 4M

1.2 Ratios

The Return On Assets of WMPN (-0.13%) is worse than 91.18% of its industry peers.
WMPN's Return On Equity of -0.83% is on the low side compared to the rest of the industry. WMPN is outperformed by 90.93% of its industry peers.
Industry RankSector 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
WMPN Yearly ROA, ROE, ROICWMPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0.5 1 1.5 2

1.3 Margins

WMPN's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for WMPN so they could not be analyzed.
Industry RankSector 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
WMPN Yearly Profit, Operating, Gross MarginsWMPN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 5 10 15

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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.
WMPN Yearly Shares OutstandingWMPN Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 5M 10M 15M
WMPN Yearly Total Debt VS Total AssetsWMPN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 200M 400M 600M 800M

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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.54%
WMPN Yearly LT Debt VS Equity VS FCFWMPN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WMPN Yearly Current Assets VS Current LiabilitesWMPN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 5M 10M

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0

3. Growth

3.1 Past

WMPN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -271.43%.
Measured over the past years, WMPN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -58.56% on average per year.
Looking at the last year, WMPN shows a very negative growth in Revenue. The Revenue has decreased by -11.98% in the last year.
The Revenue has been decreasing by -5.77% on average over the past years.
EPS 1Y (TTM)-271.43%
EPS 3Y-58.56%
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.
WMPN Yearly Revenue VS EstimatesWMPN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
WMPN Yearly EPS VS EstimatesWMPN Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 0 0.1 0.2 0.3

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for WMPN. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
WMPN Price Earnings VS Forward Price EarningsWMPN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
WMPN Per share dataWMPN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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

With a yearly dividend of 0.97%, WMPN is not a good candidate for dividend investing.
With a Dividend Yield of 0.97, WMPN pays less dividend than the industry average, which is at 3.50. 82.87% of the companies listed in the same industry pay a better dividend than WMPN!
With a Dividend Yield of 0.97, WMPN pays less dividend than the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 0.97%

5.2 History

The dividend of WMPN is nicely growing with an annual growth rate of 30.09%!
WMPN has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of WMPN decreased in the last 3 years.
Dividend Growth(5Y)30.09%
Div Incr Years0
Div Non Decr Years2
WMPN Yearly Dividends per shareWMPN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

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
WMPN Yearly Income VS Free CF VS DividendWMPN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 2M 4M

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WILLIAM PENN BANCORP

NASDAQ:WMPN (4/30/2025, 8:00:02 PM)

12.32

-0.03 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)09-03 2025-09-03/amc
Inst Owners31.52%
Inst Owner Change9.18%
Ins Owners9.25%
Ins Owner Change-267.16%
Market Cap113.47M
Analysts82.86
Price Target14.28 (15.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.97%
Yearly Dividend0.11
Dividend Growth(5Y)30.09%
DP-100%
Div Incr Years0
Div Non Decr Years2
Ex-Date01-27 2025-01-27 (0.03)
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%
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.87
P/FCF N/A
P/OCF N/A
P/B 0.91
P/tB 0.95
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 RankSector 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 RankSector 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
WACC14.54%
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-58.56%
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