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Woodlands Financial Services Company (WDFN) Fair Value & Analysis

Financial Services · US · Market cap $46.2M

Price$33.00
Fair Value$48.33
Upside+46.5%
Quality95/100
Evidence: High Range $36.25 – $60.41

Fair value as of: Jun 26, 2026

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Analysis

Woodlands Financial Services Company (WDFN) currently trades at $33.00, while our model-based Fair Value estimate is $48.33 — implying the stock looks roughly 46.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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…

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Frequently asked questions

Is Woodlands Financial Services Company (WDFN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $48.33 versus a price of $33.00 — about +46% (undervalued). Model-based estimate, not financial advice.
What is the fair value of WDFN?
Our 21-model fair value for Woodlands Financial Services Company is $48.33 (as of Jun 26, 2026), built from audited fundamentals. The current price is $33.00.
What is the quality score of WDFN?
Woodlands Financial Services Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.