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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.66
WAYN's Cash-to-Debt is ranked lower than
69% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 vs. WAYN: 0.66 )
Ranked among companies with meaningful Cash-to-Debt only.
WAYN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.43 Max: 3.43
Current: 0.66
0.12
3.43
Equity-to-Asset 0.09
WAYN's Equity-to-Asset is ranked lower than
60% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. WAYN: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
WAYN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 1.43
WAYN's Interest Coverage is ranked lower than
54% of the 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. WAYN: 1.43 )
Ranked among companies with meaningful Interest Coverage only.
WAYN' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.64 Max: 1.68
Current: 1.43
0.22
1.68
Beneish M-Score: -2.47
WACC vs ROIC
5.34%
4.05%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 19.09
WAYN's Operating Margin % is ranked lower than
76% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 vs. WAYN: 19.09 )
Ranked among companies with meaningful Operating Margin % only.
WAYN' s Operating Margin % Range Over the Past 10 Years
Min: 14.28  Med: 19.08 Max: 24.05
Current: 19.09
14.28
24.05
Net Margin % 14.51
WAYN's Net Margin % is ranked lower than
73% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 vs. WAYN: 14.51 )
Ranked among companies with meaningful Net Margin % only.
WAYN' s Net Margin % Range Over the Past 10 Years
Min: 11.42  Med: 14.82 Max: 18.25
Current: 14.51
11.42
18.25
ROE % 5.50
WAYN's ROE % is ranked lower than
71% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. WAYN: 5.50 )
Ranked among companies with meaningful ROE % only.
WAYN' s ROE % Range Over the Past 10 Years
Min: 4.12  Med: 5.64 Max: 6.7
Current: 5.5
4.12
6.7
ROA % 0.51
WAYN's ROA % is ranked lower than
72% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. WAYN: 0.51 )
Ranked among companies with meaningful ROA % only.
WAYN' s ROA % Range Over the Past 10 Years
Min: 0.39  Med: 0.51 Max: 0.64
Current: 0.51
0.39
0.64
3-Year Revenue Growth Rate 5.60
WAYN's 3-Year Revenue Growth Rate is ranked higher than
59% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. WAYN: 5.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WAYN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.6  Med: 5.4 Max: 13.1
Current: 5.6
-9.6
13.1
3-Year EBITDA Growth Rate 3.70
WAYN's 3-Year EBITDA Growth Rate is ranked lower than
58% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. WAYN: 3.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WAYN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.1  Med: 3.7 Max: 34.5
Current: 3.7
-16.1
34.5
3-Year EPS without NRI Growth Rate 4.40
WAYN's 3-Year EPS without NRI Growth Rate is ranked lower than
58% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. WAYN: 4.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WAYN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.4  Med: 4.4 Max: 80.8
Current: 4.4
-38.4
80.8
GuruFocus has detected 4 Warning Signs with Wayne Savings Bancshares Inc $WAYN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WAYN's 10-Y Financials

Financials (Next Earnings Date: 2017-05-13 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:BFIN, NAS:BKMU, NYSE:BHLB » details
Wayne Savings Bancshares Inc is a holding company, which through Wayne Savings Community Bank, offers consumer and business financial services to its local community.

Wayne Savings Bancshares Inc is a unitary thrift holding company for Wayne Savings Community Bank. The Bank is a community-oriented institution offering a range of consumer and business financial services to the local community. Its lending and deposit gathering area includes Wayne, Holmes, Ashland, Medina and Stark counties, where it operates eleven full-service offices. Its main business activities consist of originating one-to-four family residential real estate loans, multi-family residential, commercial and non-residential real estate loans. The Bank also originates consumer loans, and to a lesser extent, construction loans. The Bank also invests in mortgage-backed securities, obligations issued by state and political subdivisions and a small position of private-label collateralized mortgage obligations and other liquid investments, such as United States Government securities, federal funds, and deposits in other financial institutions. The Company encounters competition both in attracting deposits and in originating real estate and other loans. Its direct competition for deposits has come historically from commercial banks, brokerage houses, other savings associations, and credit unions in its market area. The Company competes for loans mainly through the interest rates and loan fees it charges and the efficiency and quality of services it provides borrowers, real estate brokers, and builders. As a savings and loan association organized under the laws of the State of Ohio, the Bank is subject to regulation by the ODFI.

Ratios

vs
industry
vs
history
PE Ratio 21.93
WAYN's PE Ratio is ranked lower than
83% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. WAYN: 21.93 )
Ranked among companies with meaningful PE Ratio only.
WAYN' s PE Ratio Range Over the Past 10 Years
Min: 7.47  Med: 15 Max: 31.2
Current: 21.93
7.47
31.2
PE Ratio without NRI 21.93
WAYN's PE Ratio without NRI is ranked lower than
80% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. WAYN: 21.93 )
Ranked among companies with meaningful PE Ratio without NRI only.
WAYN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.47  Med: 15 Max: 31.2
Current: 21.93
7.47
31.2
Price-to-Owner-Earnings 15.67
WAYN's Price-to-Owner-Earnings is ranked lower than
58% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. WAYN: 15.67 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WAYN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.83  Med: 14.13 Max: 123.91
Current: 15.67
5.83
123.91
PB Ratio 1.22
WAYN's PB Ratio is ranked lower than
54% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. WAYN: 1.22 )
Ranked among companies with meaningful PB Ratio only.
WAYN' s PB Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.84 Max: 1.7
Current: 1.22
0.41
1.7
PS Ratio 3.19
WAYN's PS Ratio is ranked higher than
53% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. WAYN: 3.19 )
Ranked among companies with meaningful PS Ratio only.
WAYN' s PS Ratio Range Over the Past 10 Years
Min: 0.99  Med: 2.22 Max: 3.97
Current: 3.19
0.99
3.97
Price-to-Free-Cash-Flow 11.16
WAYN's Price-to-Free-Cash-Flow is ranked higher than
52% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. WAYN: 11.16 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WAYN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.27  Med: 9.52 Max: 22.29
Current: 11.16
4.27
22.29
Price-to-Operating-Cash-Flow 10.17
WAYN's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. WAYN: 10.17 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WAYN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.74  Med: 8.46 Max: 428.57
Current: 10.17
3.74
428.57
EV-to-EBIT 10.67
WAYN's EV-to-EBIT is ranked higher than
50% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. WAYN: 10.67 )
Ranked among companies with meaningful EV-to-EBIT only.
WAYN' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.3  Med: 22.3 Max: 33.6
Current: 10.67
10.3
33.6
EV-to-EBITDA 8.59
WAYN's EV-to-EBITDA is ranked higher than
57% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. WAYN: 8.59 )
Ranked among companies with meaningful EV-to-EBITDA only.
WAYN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.6  Med: 17.3 Max: 31.2
Current: 8.59
7.6
31.2
PEG Ratio 9.21
WAYN's PEG Ratio is ranked lower than
94% of the 780 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.43 vs. WAYN: 9.21 )
Ranked among companies with meaningful PEG Ratio only.
WAYN' s PEG Ratio Range Over the Past 10 Years
Min: 0.91  Med: 3 Max: 54.24
Current: 9.21
0.91
54.24
Shiller PE Ratio 23.65
WAYN's Shiller PE Ratio is ranked lower than
57% of the 496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.63 vs. WAYN: 23.65 )
Ranked among companies with meaningful Shiller PE Ratio only.
WAYN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.93  Med: 15.91 Max: 27.76
Current: 23.65
8.93
27.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.00
WAYN's Dividend Yield % is ranked lower than
66% of the 2303 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. WAYN: 2.00 )
Ranked among companies with meaningful Dividend Yield % only.
WAYN' s Dividend Yield % Range Over the Past 10 Years
Min: 1.92  Med: 2.81 Max: 7.89
Current: 2
1.92
7.89
Dividend Payout Ratio 0.33
WAYN's Dividend Payout Ratio is ranked higher than
50% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. WAYN: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WAYN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.48 Max: 0.92
Current: 0.33
0.26
0.92
3-Year Dividend Growth Rate -4.50
WAYN's 3-Year Dividend Growth Rate is ranked lower than
80% of the 772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. WAYN: -4.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
WAYN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -26.3  Med: 2.7 Max: 15.7
Current: -4.5
-26.3
15.7
Forward Dividend Yield % 2.00
WAYN's Forward Dividend Yield % is ranked lower than
71% of the 2274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. WAYN: 2.00 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.30
WAYN's 5-Year Yield-on-Cost % is ranked lower than
66% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.27 vs. WAYN: 2.30 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WAYN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.2  Med: 3.23 Max: 9.06
Current: 2.3
2.2
9.06
3-Year Average Share Buyback Ratio 0.70
WAYN's 3-Year Average Share Buyback Ratio is ranked higher than
83% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. WAYN: 0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WAYN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -31.5  Med: 1.8 Max: 6.6
Current: 0.7
-31.5
6.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.27
WAYN's Price-to-Tangible-Book is ranked lower than
52% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. WAYN: 1.27 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WAYN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.56  Med: 1.01 Max: 1.87
Current: 1.27
0.56
1.87
Price-to-Intrinsic-Value-Projected-FCF 0.65
WAYN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
65% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. WAYN: 0.65 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WAYN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.6 Max: 2.51
Current: 0.65
0.32
2.51
Price-to-Intrinsic-Value-DCF (Earnings Based) 2.05
WAYN's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
98% of the 170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. WAYN: 2.05 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.44
WAYN's Price-to-Median-PS-Value is ranked lower than
77% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. WAYN: 1.44 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WAYN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 1.32 Max: 4.96
Current: 1.44
0.56
4.96
Price-to-Peter-Lynch-Fair-Value 3.05
WAYN's Price-to-Peter-Lynch-Fair-Value is ranked lower than
92% of the 533 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. WAYN: 3.05 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
WAYN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.07  Med: 3.88 Max: 7.92
Current: 3.05
1.07
7.92
Price-to-Graham-Number 1.11
WAYN's Price-to-Graham-Number is ranked lower than
65% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. WAYN: 1.11 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WAYN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 1.04 Max: 3.05
Current: 1.11
0.48
3.05
Earnings Yield (Greenblatt) % 9.38
WAYN's Earnings Yield (Greenblatt) % is ranked higher than
62% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 vs. WAYN: 9.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WAYN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 4.5 Max: 9.7
Current: 9.38
3
9.7
Forward Rate of Return (Yacktman) % 15.92
WAYN's Forward Rate of Return (Yacktman) % is ranked higher than
63% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. WAYN: 15.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
WAYN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.1  Med: 12.6 Max: 22.2
Current: 15.92
-1.1
22.2

More Statistics

Revenue (TTM) (Mil) $15.48
EPS (TTM) $ 0.82
Beta0.26
Short Percentage of Float0.07%
52-Week Range $12.07 - 18.75
Shares Outstanding (Mil)2.78
» More Articles for WAYN

Headlines

Articles On GuruFocus.com
Wayne Savings Bancshares Inc. Reports Operating Results (10-K) Jun 14 2010 
Dividend Stocks Acting Like Money Machines: Brinker, Todd Shipyards, Wayne Savings, Oxford Industrie Apr 06 2010 

More From Other Websites
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Mar 24 2017
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Mar 23 2017
WAYNE SAVINGS BANCSHARES INC /DE/ Financials Mar 22 2017
Wayne Savings Bancshares, Inc. :WAYN-US: Earnings Analysis: Q4, 2016 By the Numbers : March 22, 2017 Mar 22 2017
Wayne Savings Bancshares, Inc. : WAYN-US: Dividend Analysis : January 11th, 2017 (record date) : By... Mar 03 2017
Wayne Savings Bancshares, Inc. :WAYN-US: Earnings Analysis: 2016 By the Numbers : February 14, 2017 Feb 14 2017
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Feb 13 2017
Wayne Savings Bancshares, Inc. Announces Earnings for the Quarter and Year ended December 31, 2016 Feb 13 2017
Wayne Savings Sends Letter to Stockholders Feb 13 2017
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Change in Directors or Principal Officers Jan 05 2017
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Dec 20 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Dec 20 2016
Wayne Savings Bancshares, Inc. :WAYN-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28,... Oct 28 2016
Wayne Savings Bancshares, Inc. Announces Earnings for the Quarter and Nine Months Ended September... Oct 27 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Oct 27 2016
Wayne Savings Bancshares, Inc. : WAYN-US: Dividend Analysis : October 12th, 2016 (record date) : By... Oct 25 2016
Wayne Savings Bancshares, Inc. : WAYN-US: Dividend Analysis : July 13th, 2016 (record date) : By the... Sep 29 2016
State Firefighter testing to be offered at the Wayne County Fire & Rescue Association Regional... Sep 27 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Sep 22 2016
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend and Adoption of Stock Repurchase Program Sep 22 2016
Wayne Savings employees participate in Heart and Sole Community Walk/Run Aug 29 2016
Wayne Savings Bancshares, Inc. :WAYN-US: Earnings Analysis: Q2, 2016 By the Numbers : August 9, 2016 Aug 09 2016
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Jun 27 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Jun 27 2016
Wayne Savings Bancshares, Inc. :WAYN-US: Earnings Analysis: Q1, 2016 By the Numbers : June 3, 2016 Jun 03 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Submission of Matters to a Vote of Security... May 27 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure May 26 2016
End of the Tax Season Celebration at Wayne Savings Apr 28 2016
Wayne Savings Bancshares, Inc. :WAYN-US: Earnings Analysis: 2015 By the Numbers Mar 28 2016

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