EN DE
Watch Woodsboro Bank for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Woodsboro Bank (WOBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Woodsboro Bank stock $96.17, price $81.70, upside +17.7%, quality 60 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

WB Woodsboro Bank logo Broad data Nov 6, 2026

Woodsboro Bank

WOBK · US
Undervalued, in an uptrend

The stock costs 15% less than our calculation considers fair.

Fair value $96.17 · Undervalued
Quality 60/100
Healthy Growth (revenue 5y +14.3 %/yr in USD)
Solidly profitable · 19.3% net margin (FY2025)
Broad data
Costs just 7.4 times its yearly profit.
Mixed vs. peers (6/12)
Moderate moat 55/100 · thin data
⚠ Thinly traded
Watch Woodsboro Bank for free: we tell you when fair value or trend changes. Watch for free

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

$87.68 $40.45 Fair Value $96.17 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $40.45 – $87.68 · fair‑value band $76.51 – $132.90 · the $81.70 price screens below the $96.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

Follow Woodsboro Bank in your weekly email

Every Wednesday you see whether Woodsboro Bank is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Woodsboro Bank provides financial services to individuals and corporate customers in Frederick County, Maryland. The company offers checking, savings, money market, education savings, individual retirement, and interest on lawyers trust accounts; time deposits; and certificates of deposit.

Show moreShow less

It also provides commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, and commercial and consumer loans; home mortgage, lot, VA, and Federal Housing Administration loans; adjustable-rate, fixed-rate, investment, and jumbo mortgages; home equity, overdraft protection, and commercial lines of credit; personal and auto loans; practice buy-in financing; and term, investment, equipment, and partner buy-in loans.

In addition, the company offers credit and merchant cards; online and mobile banking; estate services; investment services, including financial planning and wealth management; ICS and CDARS; merchant services, including credit card processing, payroll solutions, and POS systems; ATMs; gift and loyalty programs; treasury management services, including ACH direct deposit and debit, remote deposit capture, mobile remote deposit capture, positive pay and positive payee, wire transfer, financial software translation, and automatic transfer accounts; and cash management and title services.

It serves the medical practice, religious, legal, construction contractor, and dental practice industries. The company was formerly known as Woodsboro Savings Bank of Frederick County, Maryland and changed its name to Woodsboro Bank in January 1997.

Woodsboro Bank was incorporated in 1899 and is headquartered in Woodsboro, Maryland.

Stock analysis

Woodsboro Bank (WOBK) currently trades at $81.70, while our model-based Fair Value estimate is $96.17, implying the stock looks roughly 15% undervalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $106.32 per share, and 2 of the 6 models we run sit above the $81.70 price.

Bear case: the Asset-Based group reads lowest at $54.07, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $76.51 (bear) to $132.90 (bull), the price of $81.70 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 60/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Woodsboro Bank reported revenue of $22.7M in FY2025 versus $13.0M in FY2021, a compound +15.1%/yr. Reported net income was $4.4M in FY2025, compounding +17.6%/yr from FY2021.

Key figures

Market cap $32.3M Micro · P/E ratio 7.4 · P/S ratio 1.42 · EPS (TTM) $11.08 · Dividend yield 0.5% · Net margin 19.3% · Return on assets (EBIT) 1.1% (5-year average) · Free cash flow $9.5M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 33% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 18%, WOBK screens cheaper than that median.

Fair Value models

Bear $76.51 Fair Value $96.17 Bull $132.90
Price $81.70 · Upside +17.7%
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 ($9.50 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 $76.51 $96.17 $148.93 74
Gordon GGM $3.54 $6.92 $10.29 67
DDM Multi-Stage $3.54 $6.04 $7.32 67
All 6 models by family
Dividend Discount
Gordon GGM $3.54 $6.92 $10.29 67
DDM Multi-Stage $3.54 $6.04 $7.32 67
Multiples
P/E Multiple $108.22 $144.29 $180.36 63
P/B Multiple $51.26 $68.35 $85.44 55
Asset-Based
NCAV (Graham) $40.35 $54.07 $80.70 51
Economic Profit
Residual Income $76.51 $96.17 $148.93 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 60/100

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

Profitability 33
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 16
Debt, balance sheet and risk of trouble
Investment 59
Does it invest with discipline instead of growing at any price?
Low Volatility 78
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 73
Distance to the 52-week high, does not count
New shares 90
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. 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.7%
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.
+16.1%
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.
+14.3%
Start year 2020 (pandemic)
Revenue growth 6 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.
+12.7%
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.
+28.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.5%
Dividend (yield on the price)0.5%
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.15% → 26%

Watch WOBK, get fair value alerts →

Compare Woodsboro Bank with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +17.7% · Top 25%
Profitability
Return on assets 1.0% · Below median
Net margin (12 months) 19.3% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 0.5% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 7.4× · Cheapest 25%
P/B 1.01× · Cheaper than median
Price / free cash flow (fiscal year) 3.4× · Cheapest 25%
EV/EBITDA 1.7× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)57 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)10 · 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 WOBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs WOBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs WOBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs WOBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs WOBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs WOBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs WOBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs WOBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs WOBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs WOBK

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Woodsboro Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Woodsboro Bank Fair Value". https://www.fairvalue-calculator.com/stock/WOBK

Frequently asked questions

Is Woodsboro Bank (WOBK) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $96.17 versus a price of $81.70, about +18% upside (undervalued).
What is the fair value of WOBK?
Our model-based fair value for Woodsboro Bank is $96.17 (as of Nov 6, 2026), built from audited fundamentals. The current price: $81.70.
What is the quality score of WOBK?
Woodsboro Bank has a Quality Score of 60/100. 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 Woodsboro Bank (WOBK)?
Our model-based price target is the fair value of $96.17 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $76.51, optimistic scenario $132.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Woodsboro Bank stock forecast for 2026?
Our models put fair value at $96.17, about +18% upside versus a price of $81.70 (undervalued). Cautious scenario $76.51, optimistic scenario $132.90. The calculation is refreshed regularly with new filings.
Does Woodsboro Bank pay a dividend?
Woodsboro Bank currently shows a dividend yield of 0.52% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Woodsboro Bank (WOBK)?
Woodsboro Bank has a dividend yield of 0.5%.
What is the intrinsic value of Woodsboro Bank (WOBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Woodsboro Bank it is $96.17 per share (as of Nov 6, 2026), against a price of $81.70. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Woodsboro Bank stock overvalued or undervalued in 2026?
As of Nov 6, 2026, WOBK trades below its calculated fair value: price $81.70, fair value $96.17, a gap of about +18% (undervalued). 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 WOBK?
No. The price is what the market pays today ($81.70); the fair value is what the company's own numbers justify ($96.17). For Woodsboro Bank the two are $14.47 per share apart. That gap is exactly why we show both numbers side by side.
How much is Woodsboro Bank worth?
The market values Woodsboro Bank at about $32.3M (market capitalisation, as of Nov 6, 2026). Per share that is $81.70; our models calculate a fair value of $96.17 per share.
What do the bullish and bearish scenarios say about WOBK?
Our models span a range for Woodsboro Bank: cautious scenario $76.51, base $96.17, optimistic $132.90 per share (as of Nov 6, 2026, price $81.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WOBK?
Woodsboro Bank trades at a price-to-earnings ratio of 7.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $96.17 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 5.9. Other multiples: P/B 1.0, EV/EBITDA 1.7.
How far is WOBK from its 52-week high?
Woodsboro Bank trades at $81.70, about 7% below its 52-week high of $87.68 and 33% above the low of $61.59 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $96.17 is for.
Which stocks are comparable to Woodsboro Bank?
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 Woodsboro Bank stock attractive at the current price?
The data as of Nov 6, 2026: price $81.70, calculated fair value $96.17 (+18%), Quality Score 60/100, 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 WOBK calculated?
We run Woodsboro Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $96.17 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. Woodsboro Bank currently trades 15% below its own fair value, and the market average says nothing about that. 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 Woodsboro Bank (WOBK)?
The closing price on Nov 6, 2026 was $81.70. Our model-based fair value is $96.17, about +18% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Woodsboro Bank right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.

Key figures of Woodsboro Bank

How large is the market capitalisation of Woodsboro Bank (WOBK)?
The market capitalisation of Woodsboro Bank is $32.3M. 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 Woodsboro Bank (WOBK)?
The price-to-sales ratio of Woodsboro Bank is 1.42 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Woodsboro Bank (WOBK)?
Earnings per share at Woodsboro Bank are $11.08 (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Woodsboro Bank (WOBK)?
The dividend yield of Woodsboro Bank is 0.5% (payout 3.8%). 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 Woodsboro Bank (WOBK)?
The net margin of Woodsboro Bank is 19.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Woodsboro Bank (WOBK)?
On an EBIT basis the return on assets of Woodsboro Bank is 1.1% (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.
How much free cash flow does Woodsboro Bank (WOBK) generate?
The free cash flow of Woodsboro Bank is $9.5M (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 Woodsboro Bank (WOBK) hold?
Woodsboro Bank holds more cash than debt, $20.1M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Woodsboro Bank in the live analysis

One click puts Woodsboro Bank on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.