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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.55
WAYN's Cash to Debt is ranked higher than
67% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. WAYN: 0.55 )
WAYN' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.55

Equity to Asset 0.10
WAYN's Equity to Asset is ranked higher than
72% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. WAYN: 0.10 )
WAYN' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 1.16
WAYN's Interest Coverage is ranked higher than
66% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. WAYN: 1.16 )
WAYN' s 10-Year Interest Coverage Range
Min: 0.1   Max: 1.16
Current: 1.16

0.1
1.16
F-Score: 7
Z-Score: 0.20
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 : 6/10

vs
industry
vs
history
Operating margin (%) 21.96
WAYN's Operating margin (%) is ranked higher than
64% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. WAYN: 21.96 )
WAYN' s 10-Year Operating margin (%) Range
Min: 12.64   Max: 31.92
Current: 21.96

12.64
31.92
Net-margin (%) 17.07
WAYN's Net-margin (%) is ranked higher than
67% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. WAYN: 17.07 )
WAYN' s 10-Year Net-margin (%) Range
Min: 8.05   Max: 22.18
Current: 17.07

8.05
22.18
ROE (%) 6.25
WAYN's ROE (%) is ranked higher than
66% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. WAYN: 6.25 )
WAYN' s 10-Year ROE (%) Range
Min: 0.91   Max: 7.84
Current: 6.25

0.91
7.84
ROA (%) 0.60
WAYN's ROA (%) is ranked higher than
66% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. WAYN: 0.60 )
WAYN' s 10-Year ROA (%) Range
Min: 0.1   Max: 0.78
Current: 0.6

0.1
0.78
ROC (Joel Greenblatt) (%) 46.85
WAYN's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. WAYN: 46.85 )
WAYN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.29   Max: 88
Current: 46.85

23.29
88
Revenue Growth (%) -4.00
WAYN's Revenue Growth (%) is ranked higher than
63% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. WAYN: -4.00 )
WAYN' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 13
Current: -4

0
13
EBITDA Growth (%) -1.40
WAYN's EBITDA Growth (%) is ranked higher than
65% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. WAYN: -1.40 )
WAYN' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 34.8
Current: -1.4

0
34.8
EPS Growth (%) -3.10
WAYN's EPS Growth (%) is ranked higher than
63% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. WAYN: -3.10 )
WAYN' s 10-Year EPS Growth (%) Range
Min: -38.4   Max: 80.8
Current: -3.1

-38.4
80.8
» WAYN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 15.40
WAYN's P/E(ttm) is ranked higher than
77% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. WAYN: 15.40 )
WAYN' s 10-Year P/E(ttm) Range
Min: 7.52   Max: 1212.31
Current: 15.4

7.52
1212.31
P/B 0.90
WAYN's P/B is ranked higher than
85% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. WAYN: 0.90 )
WAYN' s 10-Year P/B Range
Min: 0.41   Max: 1.73
Current: 0.9

0.41
1.73
P/S 2.70
WAYN's P/S is ranked higher than
82% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. WAYN: 2.70 )
WAYN' s 10-Year P/S Range
Min: 0.99   Max: 6.2
Current: 2.7

0.99
6.2
PFCF 11.10
WAYN's PFCF is ranked higher than
88% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAYN: 11.10 )
WAYN' s 10-Year PFCF Range
Min: 4.29   Max: 49.38
Current: 11.1

4.29
49.38
EV-to-EBIT 15.19
WAYN's EV-to-EBIT is ranked higher than
77% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. WAYN: 15.19 )
WAYN' s 10-Year EV-to-EBIT Range
Min: 14.1   Max: 52.1
Current: 15.19

14.1
52.1
PEG 4.08
WAYN's PEG is ranked higher than
84% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAYN: 4.08 )
WAYN' s 10-Year PEG Range
Min: 1.09   Max: 163.66
Current: 4.08

1.09
163.66
Shiller P/E 17.80
WAYN's Shiller P/E is ranked higher than
87% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. WAYN: 17.80 )
WAYN' s 10-Year Shiller P/E Range
Min: 8.62   Max: 34.43
Current: 17.8

8.62
34.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
WAYN's Dividend Yield is ranked higher than
57% of the 1871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. WAYN: 2.50 )
WAYN' s 10-Year Dividend Yield Range
Min: 1.62   Max: 7.89
Current: 2.5

1.62
7.89
Dividend Payout 0.39
WAYN's Dividend Payout is ranked higher than
72% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. WAYN: 0.39 )
WAYN' s 10-Year Dividend Payout Range
Min: 0.22   Max: 2.58
Current: 0.39

0.22
2.58
Dividend growth (3y) 15.70
WAYN's Dividend growth (3y) is ranked higher than
87% of the 1118 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. WAYN: 15.70 )
WAYN' s 10-Year Dividend growth (3y) Range
Min: -26.3   Max: 15.7
Current: 15.7

-26.3
15.7
Yield on cost (5-Year) 2.76
WAYN's Yield on cost (5-Year) is ranked higher than
57% of the 1883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. WAYN: 2.76 )
WAYN' s 10-Year Yield on cost (5-Year) Range
Min: 1.79   Max: 8.71
Current: 2.76

1.79
8.71
Share Buyback Rate -0.20
WAYN's Share Buyback Rate is ranked higher than
83% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. WAYN: -0.20 )
WAYN' s 10-Year Share Buyback Rate Range
Min: 5.6   Max: -15.8
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
WAYN's Price/Tangible Book is ranked higher than
86% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. WAYN: 0.98 )
WAYN' s 10-Year Price/Tangible Book Range
Min: 0.51   Max: 2
Current: 0.98

0.51
2
Price/DCF (Projected) 0.52
WAYN's Price/DCF (Projected) is ranked higher than
90% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.54 vs. WAYN: 0.52 )
WAYN' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 5.03
Current: 0.52

0.34
5.03
Price/Median PS Value 1.20
WAYN's Price/Median PS Value is ranked higher than
74% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. WAYN: 1.20 )
WAYN' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 7.39
Current: 1.2

0.51
7.39
Price/Graham Number 0.82
WAYN's Price/Graham Number is ranked higher than
84% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. WAYN: 0.82 )
WAYN' s 10-Year Price/Graham Number Range
Min: 0.45   Max: 5.55
Current: 0.82

0.45
5.55
Earnings Yield (Greenblatt) 6.60
WAYN's Earnings Yield (Greenblatt) is ranked higher than
73% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. WAYN: 6.60 )
WAYN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 7.1
Current: 6.6

1.9
7.1
Forward Rate of Return (Yacktman) 8.62
WAYN's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. WAYN: 8.62 )
WAYN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.3   Max: 24.3
Current: 8.62

2.3
24.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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 strong 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.
» 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 
Wayne Savings Bancshares, Inc. Announces Increased Earnings for the Quarter and Nine Months Ended De Jan 22 2009 

More From Other Websites
WAYNE SAVINGS BANCSHARES INC /DE/ Financials Nov 19 2014
10-Q for Wayne Savings Bancshares, Inc. Nov 08 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 10-Q, Quarterly Report Nov 06 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Change in Directors or Principal Officers,... Oct 31 2014
Wayne Savings Bancshares, Inc. Announces the Appointment of H. Stewart Fitz Gibbon III as President... Oct 30 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Oct 23 2014
Wayne Savings Bancshares, Inc. Announces Earnings for the Quarter and Nine Months Ended September... Oct 23 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Sep 25 2014
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Sep 25 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Jul 24 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Jun 27 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure May 23 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Apr 24 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws;... Mar 28 2014
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Mar 28 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 10-K, Annual Report Mar 21 2014
Wayne Savings Bancshares, Inc. Announces Planned Retirement of CEO, Rod Steiger Mar 17 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 17 2014
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Jan 24 2014
Wayne Savings Bancshares, Inc. Announces Earnings for the Quarter and Twelve Months Ended December... Jan 24 2014

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