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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 0.42
WAYN's Cash to Debt is ranked lower than
72% of the 1161 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.56 vs. WAYN: 0.42 )
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: 0.42
0.12
3.43
Equity to Asset 0.09
WAYN's Equity to Asset is ranked lower than
62% of the 1653 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 1.05
WAYN's Interest Coverage is ranked lower than
61% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. WAYN: 1.05 )
Ranked among companies with meaningful Interest Coverage only.
WAYN' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.48 Max: 1.68
Current: 1.05
0.22
1.68
F-Score: 4
M-Score: -2.59
WACC vs ROIC
5.48%
2.98%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 14.28
WAYN's Operating margin (%) is ranked lower than
83% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.24 vs. WAYN: 14.28 )
Ranked among companies with meaningful Operating margin (%) only.
WAYN' s Operating margin (%) Range Over the Past 10 Years
Min: 14.28  Med: 18.80 Max: 24.05
Current: 14.28
14.28
24.05
Net-margin (%) 11.42
WAYN's Net-margin (%) is ranked lower than
83% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.66 vs. WAYN: 11.42 )
Ranked among companies with meaningful Net-margin (%) only.
WAYN' s Net-margin (%) Range Over the Past 10 Years
Min: 11.42  Med: 14.80 Max: 18.25
Current: 11.42
11.42
18.25
ROE (%) 4.13
WAYN's ROE (%) is ranked lower than
80% of the 1669 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. WAYN: 4.13 )
Ranked among companies with meaningful ROE (%) only.
WAYN' s ROE (%) Range Over the Past 10 Years
Min: 4.12  Med: 5.59 Max: 6.7
Current: 4.13
4.12
6.7
ROA (%) 0.39
WAYN's ROA (%) is ranked lower than
78% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. WAYN: 0.39 )
Ranked among companies with meaningful ROA (%) only.
WAYN' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 0.50 Max: 0.64
Current: 0.39
0.39
0.64
Revenue Growth (3Y)(%) 1.20
WAYN's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. WAYN: 1.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WAYN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.90 Max: 13.1
Current: 1.2
0
13.1
EBITDA Growth (3Y)(%) -0.10
WAYN's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 1261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. WAYN: -0.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WAYN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.20 Max: 34.5
Current: -0.1
0
34.5
EPS Growth (3Y)(%) -0.20
WAYN's EPS Growth (3Y)(%) is ranked lower than
71% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. WAYN: -0.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WAYN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.4  Med: 4.10 Max: 80.3
Current: -0.2
-38.4
80.3
» 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) 22.10
WAYN's P/E(ttm) is ranked lower than
82% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. WAYN: 22.10 )
Ranked among companies with meaningful P/E(ttm) only.
WAYN' s P/E(ttm) Range Over the Past 10 Years
Min: 7.52  Med: 15.10 Max: 1226.92
Current: 22.1
7.52
1226.92
PE(NRI) 21.72
WAYN's PE(NRI) is ranked lower than
81% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.57 vs. WAYN: 21.72 )
Ranked among companies with meaningful PE(NRI) only.
WAYN' s PE(NRI) Range Over the Past 10 Years
Min: 7.57  Med: 15.09 Max: 1595
Current: 21.72
7.57
1595
Price/Owner Earnings (ttm) 30.04
WAYN's Price/Owner Earnings (ttm) is ranked lower than
90% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.23 vs. WAYN: 30.04 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WAYN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.36  Med: 14.31 Max: 117.12
Current: 30.04
6.36
117.12
P/B 0.90
WAYN's P/B is ranked higher than
62% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. WAYN: 0.90 )
Ranked among companies with meaningful P/B only.
WAYN' s P/B Range Over the Past 10 Years
Min: 0.41  Med: 0.82 Max: 1.7
Current: 0.9
0.41
1.7
P/S 2.54
WAYN's P/S is ranked higher than
60% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. WAYN: 2.54 )
Ranked among companies with meaningful P/S only.
WAYN' s P/S Range Over the Past 10 Years
Min: 0.99  Med: 2.22 Max: 6.09
Current: 2.54
0.99
6.09
PFCF 9.97
WAYN's PFCF is ranked higher than
56% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. WAYN: 9.97 )
Ranked among companies with meaningful PFCF only.
WAYN' s PFCF Range Over the Past 10 Years
Min: 4.27  Med: 10.55 Max: 33.38
Current: 9.97
4.27
33.38
POCF 8.94
WAYN's POCF is ranked higher than
54% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. WAYN: 8.94 )
Ranked among companies with meaningful POCF only.
WAYN' s POCF Range Over the Past 10 Years
Min: 3.74  Med: 8.65 Max: 428.57
Current: 8.94
3.74
428.57
EV-to-EBIT 25.39
WAYN's EV-to-EBIT is ranked lower than
78% of the 1501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. WAYN: 25.39 )
Ranked among companies with meaningful EV-to-EBIT only.
WAYN' s EV-to-EBIT Range Over the Past 10 Years
Min: 14.1  Med: 23.00 Max: 52.6
Current: 25.39
14.1
52.6
EV-to-EBITDA 19.36
WAYN's EV-to-EBITDA is ranked lower than
74% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.32 vs. WAYN: 19.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
WAYN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.6  Med: 18.00 Max: 31.2
Current: 19.36
11.6
31.2
Shiller P/E 17.71
WAYN's Shiller P/E is ranked higher than
50% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.24 vs. WAYN: 17.71 )
Ranked among companies with meaningful Shiller P/E only.
WAYN' s Shiller P/E Range Over the Past 10 Years
Min: 8.33  Med: 15.56 Max: 29.62
Current: 17.71
8.33
29.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.72
WAYN's Dividend Yield is ranked lower than
54% of the 2089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. WAYN: 2.72 )
Ranked among companies with meaningful Dividend Yield only.
WAYN' s Dividend Yield Range Over the Past 10 Years
Min: 1.57  Med: 2.80 Max: 7.89
Current: 2.72
1.57
7.89
Dividend Payout 0.60
WAYN's Dividend Payout is ranked lower than
82% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. WAYN: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
WAYN' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.69 Max: 4.36
Current: 0.6
0.26
4.36
Dividend Growth (3y) 2.90
WAYN's Dividend Growth (3y) is ranked lower than
68% of the 746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 vs. WAYN: 2.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WAYN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -26.3  Med: 2.70 Max: 15.7
Current: 2.9
-26.3
15.7
Forward Dividend Yield 2.68
WAYN's Forward Dividend Yield is ranked lower than
58% of the 1957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. WAYN: 2.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.82
WAYN's Yield on cost (5-Year) is ranked higher than
67% of the 2483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. WAYN: 4.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WAYN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.78  Med: 4.96 Max: 13.97
Current: 4.82
2.78
13.97
3-Year Average Share Buyback Ratio 1.20
WAYN's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1111 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. WAYN: 1.20 )
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: -15.3  Med: 1.30 Max: 5.6
Current: 1.2
-15.3
5.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
WAYN's Price/Tangible Book is ranked higher than
62% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. WAYN: 0.96 )
Ranked among companies with meaningful Price/Tangible Book only.
WAYN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.56  Med: 0.98 Max: 1.87
Current: 0.96
0.56
1.87
Price/Projected FCF 0.48
WAYN's Price/Projected FCF is ranked higher than
72% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. WAYN: 0.48 )
Ranked among companies with meaningful Price/Projected FCF only.
WAYN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.77 Max: 2.51
Current: 0.48
0.39
2.51
Price/Median PS Value 1.14
WAYN's Price/Median PS Value is ranked lower than
64% of the 1530 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. WAYN: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
WAYN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.34 Max: 5.84
Current: 1.14
0.56
5.84
Price/Graham Number 0.97
WAYN's Price/Graham Number is ranked lower than
61% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. WAYN: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
WAYN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 1.02 Max: 3.05
Current: 0.97
0.48
3.05
Earnings Yield (Greenblatt) (%) 3.93
WAYN's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1641 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. WAYN: 3.93 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WAYN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 4.40 Max: 7.1
Current: 3.93
1.9
7.1
Forward Rate of Return (Yacktman) (%) 14.52
WAYN's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.21 vs. WAYN: 14.52 )
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: -5.3  Med: 11.30 Max: 21.9
Current: 14.52
-5.3
21.9

More Statistics

Revenue(Mil) $14
EPS $ 0.60
Beta0.42
Short Percentage of Float0.36%
52-Week Range $11.69 - 14.00
Shares Outstanding(Mil)2.78

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OTCBB:PBCP, OTCPK:FIRT, OTCPK:EKFC, BSP:MERC4, OTCPK:WEFP » 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 

More From Other Websites
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
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Mar 24 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Mar 24 2016
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Mar 24 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Financials Mar 17 2016
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 10-K, Annual Report Mar 11 2016
Wayne Savings Sponsors Financial Literacy Program Jan 26 2016
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Dec 17 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Dec 17 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Sep 25 2015
Wayne Savings Bancshares, Inc. Earnings Q2, 2015 Sep 11 2015
Wayne Savings Bancshares, Inc. Declares Quarterly Dividend Jun 26 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Jun 26 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Submission of Matters to a Vote of Security... Jun 02 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure May 29 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Results of Operations and Financial Condition Apr 24 2015
WAYNE SAVINGS BANCSHARES INC /DE/ Files SEC form 8-K, Regulation FD Disclosure Mar 26 2015

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