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Woodlands Financial Services Co (WDFN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Woodlands Financial Services Co stock $30.04, price $37.74, that is 20.4% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

WF Woodlands Financial Services Co logo Broad data Nov 5, 2026

Woodlands Financial Services Co

WDFN · US
Solid, but expensive

Our calculation puts a fair price 20% below what the stock costs today.

Quality 61/100
Highly profitable · 26.4% net margin (TTM)
3.1% dividend yield · Low payout
Ranks above peers (9/14)
Broad data
Last quarter vs. a year ago: revenue +23%, profit +53%.
Mixed Growth (revenue 5y +9.6 %/yr in USD)
Wide moat 69/100 · thin data
Fair value $30.04 · Overvalued
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$39.80 $12.92 Fair Value $30.04 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $12.92 – $39.80 · fair‑value band $26.97 – $37.81 · the $37.74 price screens above the $30.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

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.

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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.

Stock analysis

Woodlands Financial Services Co (WDFN) currently trades at $37.74, while our model-based Fair Value estimate is $30.04, 20% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $39.58 per share, and 1 of the 6 models we run sit above the $37.74 price.

Bear case: the Dividend Discount group reads lowest at $14.81, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $26.97 (bear) to $37.81 (bull), the price of $37.74 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Woodlands Financial Services Co reported revenue of $33.5M in FY2025 versus $21.6M in FY2021, a compound +11.5%/yr. Reported net income was $5.2M in FY2025, compounding −0.3%/yr from FY2021.

Key figures

Market cap $52.8M Micro · P/E ratio 7.9 · P/S ratio 2.14 · EPS (TTM) $4.75 · Dividend yield 3.1% · Net margin 26.4% · Return on equity 15.4% · Return on assets (EBIT) 0.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 56% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, WDFN screens cheaper than that median.

Fair Value models

Bear $26.97 Fair Value $30.04 Bull $37.81
Price $37.74 · Downside -20.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.08 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $26.97 $30.04 $37.81 76
Gordon GGM $8.85 $15.75 $21.44 68
DDM Multi-Stage $8.85 $13.86 $16.84 67
All 6 models by family
Dividend Discount
Gordon GGM $8.85 $15.75 $21.44 68
DDM Multi-Stage $8.85 $13.86 $16.84 67
Multiples
P/E Multiple $36.25 $48.33 $60.41 63
P/B Multiple $23.13 $30.83 $38.54 55
Asset-Based
NCAV (Graham) $14.80 $19.84 $29.61 54
Economic Profit
Residual Income $26.97 $30.04 $37.81 76

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Quality Score breakdown

Overall quality 61/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 75
Do the profits arrive as real cash?
Financial strength 13
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 79
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 95
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+4.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.6%
Start year 2020 (pandemic). Over 10 years: +7.2% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.6%
Dividend (yield on the price)3.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1.6% vs 5.7%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 18%
Pace: the 5-year rate starts in 2020 (pandemic)

WDFN screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside −20.4% · Below median
Profitability
Return on equity (12 months) 15.4% · Top 25%
Return on assets 0.8% · Below median
Net margin (12 months) 26.4% · Below median
Operating margin (12 months) 35.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 22.8% · Top 25%
Dividend yield (12 months) 3.1% · Above median
Balance sheet
Debt / equity 0.28× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 7.9× · Cheapest 25%
P/B 1.22× · Pricier than median
P/S (12 months) 2.14× · Cheapest 25%
Price / free cash flow (fiscal year) 8.4× · Cheaper than median
EV/EBITDA 6.3× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)6 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)61 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)61 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs WDFN
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs WDFN
BNP Paribas SA BNP €91.93 €106.01 +15% vs WDFN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs WDFN
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs WDFN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs WDFN
Mizuho Financial Group MFG $9.40 $5.89 −37% vs WDFN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs WDFN
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs WDFN
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs WDFN

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Cite: Fair Value Calculator (2026). "Woodlands Financial Services Co Fair Value". https://www.fairvalue-calculator.com/stock/WDFN

Frequently asked questions

Is Woodlands Financial Services Co (WDFN) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $30.04 versus a price of $37.74, about 20% lower (overvalued).
What is the fair value of WDFN?
Our model-based fair value for Woodlands Financial Services Co is $30.04 (as of Nov 5, 2026), built from audited fundamentals. The current price: $37.74.
What is the quality score of WDFN?
Woodlands Financial Services Co has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Woodlands Financial Services Co (WDFN)?
Our model-based price target is the fair value of $30.04 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $26.97, optimistic scenario $37.81. It is a calculation from audited fundamentals, not an analyst target.
What is the Woodlands Financial Services Co stock forecast for 2026?
Our models put fair value at $30.04, about 20% lower versus a price of $37.74 (overvalued). Cautious scenario $26.97, optimistic scenario $37.81. The calculation is refreshed regularly with new filings.
What is the revenue of Woodlands Financial Services Co (WDFN)?
Woodlands Financial Services Co reported trailing-twelve-month revenue of about $24.7M (latest available figure, as of Nov 5, 2026).
Does Woodlands Financial Services Co pay a dividend?
Woodlands Financial Services Co currently shows a dividend yield of 3.07% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Woodlands Financial Services Co (WDFN) and when is the ex-dividend date?
Woodlands Financial Services Co pays a dividend of $1.16 per share a year, a dividend yield of 3.1%. The next ex-dividend date is Nov 13, 2026. A dividend has been paid every year since at least 1997. The payout ratio is 24.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Woodlands Financial Services Co (WDFN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Woodlands Financial Services Co it is $30.04 per share (as of Nov 5, 2026), against a price of $37.74. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Woodlands Financial Services Co stock overvalued or undervalued in 2026?
As of Nov 5, 2026, WDFN trades above its calculated fair value: price $37.74, fair value $30.04, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WDFN?
No. The price is what the market pays today ($37.74); the fair value is what the company's own numbers justify ($30.04). For Woodlands Financial Services Co the two are $7.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is Woodlands Financial Services Co worth?
The market values Woodlands Financial Services Co at about $52.8M (market capitalisation, as of Nov 5, 2026). Per share that is $37.74; our models calculate a fair value of $30.04 per share.
What do the bullish and bearish scenarios say about WDFN?
Our models span a range for Woodlands Financial Services Co: cautious scenario $26.97, base $30.04, optimistic $37.81 per share (as of Nov 5, 2026, price $37.74). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WDFN?
Woodlands Financial Services Co trades at a price-to-earnings ratio of 7.9 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $30.04 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 8.7. Other multiples: P/B 1.2, P/S 2.1, EV/EBITDA 6.3.
How solid is the balance sheet of Woodlands Financial Services Co (WDFN)?
Balance-sheet figures for Woodlands Financial Services Co (as of Nov 5, 2026): return on equity 15.4%, debt of 0.28 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is WDFN from its 52-week high?
Woodlands Financial Services Co trades at $37.74, about 5% below its 52-week high of $39.80 and 56% above the low of $24.24 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $30.04 is for.
Which stocks are comparable to Woodlands Financial Services Co?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Woodlands Financial Services Co stock attractive at the current price?
The data as of Nov 5, 2026: price $37.74, calculated fair value $30.04 (−20%), Quality Score 61/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WDFN calculated?
We run Woodlands Financial Services Co through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $30.04 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Woodlands Financial Services Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Woodlands Financial Services Co (WDFN)?
The closing price on Nov 6, 2026 was $37.74. Our model-based fair value is $30.04, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Woodlands Financial Services Co right now?
Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Woodlands Financial Services Co (WDFN) come from?
Earnings per share at Woodlands Financial Services Co grew +3.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.4 %, EBIT margin −5.9 %, tax rate +1.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Woodlands Financial Services Co

How large is the market capitalisation of Woodlands Financial Services Co (WDFN)?
The market capitalisation of Woodlands Financial Services Co is $52.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Woodlands Financial Services Co (WDFN)?
The price-to-sales ratio of Woodlands Financial Services Co is 2.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Woodlands Financial Services Co (WDFN)?
Earnings per share at Woodlands Financial Services Co are $4.75 (price ÷ EPS = P/E 7.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Woodlands Financial Services Co (WDFN)?
The dividend yield of Woodlands Financial Services Co is 3.1% (payout 24.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Woodlands Financial Services Co (WDFN)?
The net margin of Woodlands Financial Services Co is 26.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Woodlands Financial Services Co (WDFN)?
The return on equity (ROE) of Woodlands Financial Services Co is 15.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Woodlands Financial Services Co (WDFN)?
On an EBIT basis the return on assets of Woodlands Financial Services Co is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Woodlands Financial Services Co (WDFN)?
The operating margin of Woodlands Financial Services Co is 35.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Woodlands Financial Services Co (WDFN)?
Revenue at Woodlands Financial Services Co is growing +22.8% versus a year earlier (3y avg +11.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Woodlands Financial Services Co (WDFN)?
Earnings per share at Woodlands Financial Services Co are growing +52.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Woodlands Financial Services Co (WDFN) generate?
The free cash flow of Woodlands Financial Services Co is $6.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Woodlands Financial Services Co (WDFN) hold?
Woodlands Financial Services Co holds more cash than debt, $10.1M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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