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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.66
WBKC's Cash to Debt is ranked higher than
69% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. WBKC: 0.66 )
WBKC' s 10-Year Cash to Debt Range
Min: 0.27   Max: No Debt
Current: 0.66

Equity to Asset 0.18
WBKC's Equity to Asset is ranked higher than
95% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WBKC: 0.18 )
WBKC' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.23
Current: 0.18

0.13
0.23
Interest Coverage 0.74
WBKC's Interest Coverage is ranked higher than
59% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. WBKC: 0.74 )
WBKC' s 10-Year Interest Coverage Range
Min: 0.02   Max: 0.74
Current: 0.74

0.02
0.74
F-Score: 5
Z-Score: 0.39
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 : 7/10

vs
industry
vs
history
Operating margin (%) 22.45
WBKC's Operating margin (%) is ranked higher than
64% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. WBKC: 22.45 )
WBKC' s 10-Year Operating margin (%) Range
Min: -55.29   Max: 19.39
Current: 22.45

-55.29
19.39
Net-margin (%) 14.39
WBKC's Net-margin (%) is ranked higher than
61% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. WBKC: 14.39 )
WBKC' s 10-Year Net-margin (%) Range
Min: -36.51   Max: 12.79
Current: 14.39

-36.51
12.79
ROE (%) 2.83
WBKC's ROE (%) is ranked higher than
55% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. WBKC: 2.83 )
WBKC' s 10-Year ROE (%) Range
Min: -8.26   Max: 2.54
Current: 2.83

-8.26
2.54
ROA (%) 0.55
WBKC's ROA (%) is ranked higher than
64% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WBKC: 0.55 )
WBKC' s 10-Year ROA (%) Range
Min: -1.17   Max: 0.54
Current: 0.55

-1.17
0.54
ROC (Joel Greenblatt) (%) 180.74
WBKC's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. WBKC: 180.74 )
WBKC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -311.15   Max: 158.01
Current: 180.74

-311.15
158.01
» WBKC's 10-Y Financials

Financials


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

» Details

Guru Trades

WBKC Guru Trades in

Q2 2012

WBKC Guru Trades in Q2 2012

First Pacific Advisors 25,148 sh (+2858.59%)
» More
Q3 2012

WBKC Guru Trades in Q3 2012

First Pacific Advisors 24,923 sh (-0.89%)
» More
Q4 2012

WBKC Guru Trades in Q4 2012

First Pacific Advisors Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WBKC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 27.30
WBKC's P/E(ttm) is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. WBKC: 27.30 )
WBKC' s 10-Year P/E(ttm) Range
Min: 23.59   Max: 248.83
Current: 27.3

23.59
248.83
P/B 0.83
WBKC's P/B is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. WBKC: 0.83 )
WBKC' s 10-Year P/B Range
Min: 0.53   Max: 0.86
Current: 0.83

0.53
0.86
P/S 3.95
WBKC's P/S is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. WBKC: 3.95 )
WBKC' s 10-Year P/S Range
Min: 3.05   Max: 12.65
Current: 3.95

3.05
12.65
PFCF 9.34
WBKC's PFCF is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WBKC: 9.34 )
WBKC' s 10-Year PFCF Range
Min: 6.38   Max: 21.34
Current: 9.34

6.38
21.34
EV-to-EBIT 25.23
WBKC's EV-to-EBIT is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. WBKC: 25.23 )
WBKC' s 10-Year EV-to-EBIT Range
Min: -9   Max: 54.7
Current: 25.23

-9
54.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
WBKC's Dividend Yield is ranked lower than
92% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. WBKC: 2.65 )
WBKC' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 2.65

Yield on cost (5-Year) 2.70
WBKC's Yield on cost (5-Year) is ranked lower than
92% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. WBKC: 2.70 )
WBKC' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.83
WBKC's Price/Tangible Book is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. WBKC: 0.83 )
WBKC' s 10-Year Price/Tangible Book Range
Min: 0.54   Max: 0.85
Current: 0.83

0.54
0.85
Price/Median PS Value 1.07
WBKC's Price/Median PS Value is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. WBKC: 1.07 )
WBKC' s 10-Year Price/Median PS Value Range
Min: 0.81   Max: 3.32
Current: 1.07

0.81
3.32
Price/Graham Number 1.04
WBKC's Price/Graham Number is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WBKC: 1.04 )
WBKC' s 10-Year Price/Graham Number Range
Min: 0.88   Max: 1.19
Current: 1.04

0.88
1.19
Earnings Yield (Greenblatt) 4.00
WBKC's Earnings Yield (Greenblatt) is ranked higher than
62% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. WBKC: 4.00 )
WBKC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 4.3
Current: 4

1.8
4.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:SAL, WBS, INDB, CNBKA, EBTC, SFBC » details
Wolverine Bancorp Inc is incorporated in the State of Maryland. The Company is the holding company for Wolverine Bank. The Bank provides financial services to individuals, families and businesses in the Great Lakes Bay Region of Michigan and to a lesser extent throughout all of Michigan through its three banking offices located in Midland, Michigan, which is the County Seat of Midland County, its banking office in Frankenmuth and loan centers located in Saginaw, which is located in neighboring Saginaw County, and Bay City, which is located in neighboring Bay County. Midland, Michigan is located approximately 120 miles northwest of Detroit and approximately 90 miles north of Lansing, Michigan, in the eastern portion of Michigan's Lower Peninsula. The Company's business consists mainly of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in commercial real estate loans including multi-family loans and land loans, one- to four-family residential mortgage loans and home equity loans and lines of credit and to a lesser extent, construction loans, commercial non-mortgage loans and consumer loans. It provides deposit accounts, including statement savings accounts, certificates of deposit, money market accounts, commercial and consumer checking accounts and retirement accounts, including health savings accounts. It provides extended hours at its branch offices, and it is dedicated to providing alternative banking delivery systems utilizing technology, including ATMs, online banking, remote deposit capture, telephone banking and mobile banking delivery systems. The Company's main lending activity is the origination of commercial mortgage loans including multifamily and land loans, residential mortgage loans and home equity loans, and to a lesser extent, construction loans, commercial non-mortgage loans and other consumer loans. It originates commercial real estate mortgage loans, loans on multifamily dwellings and loans on undeveloped land. It provides residential mortgage loans that conform to Fannie Mae and Freddie Mac underwriting standards as well as non-conforming loans. It generally underwrites its one- to four-family residential mortgage loans based on the applicant's employment and credit history and the appraised value of the subject property. The Company also provides loans through agency programs which are originated for sale. It also originates construction loans for one- to four-family residential properties and commercial properties, including multifamily properties. In addition to traditional one- to four-family residential mortgage loans, it provides home equity loans and home equity lines of credit that are secured by the borrower's main or secondary residence. The Company also originates commercial non-mortgage loans and variable lines of credit. These loans are generally originated to small- and medium-sized companies in its main market ar

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