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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 0.93
WBKC's Cash-to-Debt is ranked lower than
63% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. WBKC: 0.93 )
Ranked among companies with meaningful Cash-to-Debt only.
WBKC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.27  Med: 0.66 Max: N/A
Current: 0.93
Equity-to-Asset 0.17
WBKC's Equity-to-Asset is ranked higher than
88% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WBKC: 0.17 )
Ranked among companies with meaningful Equity-to-Asset only.
WBKC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.18 Max: 0.23
Current: 0.17
0.13
0.23
Interest Coverage 1.76
WBKC's Interest Coverage is ranked higher than
53% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. WBKC: 1.76 )
Ranked among companies with meaningful Interest Coverage only.
WBKC' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.64 Max: 1.76
Current: 1.76
0.02
1.76
Piotroski F-Score: 7
Beneish M-Score: -2.48
WACC vs ROIC
3.99%
7.25%
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 : 8/10

vs
industry
vs
history
Operating Margin % 46.84
WBKC's Operating Margin % is ranked higher than
83% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. WBKC: 46.84 )
Ranked among companies with meaningful Operating Margin % only.
WBKC' s Operating Margin % Range Over the Past 10 Years
Min: -55.29  Med: 18.12 Max: 46.84
Current: 46.84
-55.29
46.84
Net Margin % 30.51
WBKC's Net Margin % is ranked higher than
75% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. WBKC: 30.51 )
Ranked among companies with meaningful Net Margin % only.
WBKC' s Net Margin % Range Over the Past 10 Years
Min: -36.51  Med: 11.83 Max: 30.51
Current: 30.51
-36.51
30.51
ROE % 6.88
WBKC's ROE % is ranked lower than
61% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. WBKC: 6.88 )
Ranked among companies with meaningful ROE % only.
WBKC' s ROE % Range Over the Past 10 Years
Min: -8.26  Med: 2.39 Max: 6.88
Current: 6.88
-8.26
6.88
ROA % 1.14
WBKC's ROA % is ranked higher than
70% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WBKC: 1.14 )
Ranked among companies with meaningful ROA % only.
WBKC' s ROA % Range Over the Past 10 Years
Min: -1.17  Med: 0.45 Max: 1.14
Current: 1.14
-1.17
1.14
3-Year Revenue Growth Rate 4.50
WBKC's 3-Year Revenue Growth Rate is ranked higher than
53% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. WBKC: 4.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WBKC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.5 Max: 13.8
Current: 4.5
0
13.8
3-Year EBITDA Growth Rate 29.10
WBKC's 3-Year EBITDA Growth Rate is ranked higher than
88% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. WBKC: 29.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WBKC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 14.55 Max: 40.5
Current: 29.1
0
40.5
3-Year EPS without NRI Growth Rate 35.00
WBKC's 3-Year EPS without NRI Growth Rate is ranked higher than
89% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. WBKC: 35.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WBKC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 41.3
Current: 35
0
41.3
GuruFocus has detected 2 Warning Signs with Wolverine Bancorp Inc $WBKC.
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» WBKC's 10-Y Financials

Financials


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 » Banks - Regional - US    NAICS: 522120    SIC: 6036
Compare:NAS:BKSC, NAS:BOCH, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
Wolverine Bancorp Inc, through its subsidiaries, provides financial services mainly to individuals, families and businesses in the Great Lakes Bay Region of Michigan and to a lesser extent throughout all of Michigan.

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

Ratios

vs
industry
vs
history
PE Ratio 15.51
WBKC's PE Ratio is ranked lower than
60% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. WBKC: 15.51 )
Ranked among companies with meaningful PE Ratio only.
WBKC' s PE Ratio Range Over the Past 10 Years
Min: 12.26  Med: 27.54 Max: 248.83
Current: 15.51
12.26
248.83
PE Ratio without NRI 15.51
WBKC's PE Ratio without NRI is ranked lower than
56% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. WBKC: 15.51 )
Ranked among companies with meaningful PE Ratio without NRI only.
WBKC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 12.26  Med: 27.54 Max: 248.83
Current: 15.51
12.26
248.83
Price-to-Owner-Earnings 12.26
WBKC's Price-to-Owner-Earnings is ranked higher than
59% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. WBKC: 12.26 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WBKC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.94  Med: 18.34 Max: 41.65
Current: 12.26
3.94
41.65
PB Ratio 1.12
WBKC's PB Ratio is ranked higher than
53% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. WBKC: 1.12 )
Ranked among companies with meaningful PB Ratio only.
WBKC' s PB Ratio Range Over the Past 10 Years
Min: 0.53  Med: 0.82 Max: 1.15
Current: 1.12
0.53
1.15
PS Ratio 4.76
WBKC's PS Ratio is ranked lower than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. WBKC: 4.76 )
Ranked among companies with meaningful PS Ratio only.
WBKC' s PS Ratio Range Over the Past 10 Years
Min: 2.93  Med: 3.86 Max: 6.35
Current: 4.76
2.93
6.35
Price-to-Free-Cash-Flow 10.34
WBKC's Price-to-Free-Cash-Flow is ranked higher than
56% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. WBKC: 10.34 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WBKC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.29  Med: 10.71 Max: 27.5
Current: 10.34
6.29
27.5
Price-to-Operating-Cash-Flow 10.34
WBKC's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. WBKC: 10.34 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WBKC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.06  Med: 10.67 Max: 995.33
Current: 10.34
6.06
995.33
EV-to-EBIT 10.94
WBKC's EV-to-EBIT is ranked higher than
50% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. WBKC: 10.94 )
Ranked among companies with meaningful EV-to-EBIT only.
WBKC' s EV-to-EBIT Range Over the Past 10 Years
Min: -9  Med: 26.55 Max: 54.7
Current: 10.94
-9
54.7
EV-to-EBITDA 10.57
WBKC's EV-to-EBITDA is ranked lower than
54% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. WBKC: 10.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
WBKC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.4  Med: 24.65 Max: 45.6
Current: 10.57
-9.4
45.6

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 2.98
WBKC's 5-Year Yield-on-Cost % is ranked lower than
54% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. WBKC: 2.98 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WBKC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.98
3-Year Average Share Buyback Ratio 4.20
WBKC's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. WBKC: 4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WBKC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 2.8  Med: 4.2 Max: 0
Current: 4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.11
WBKC's Price-to-Tangible-Book is ranked higher than
58% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. WBKC: 1.11 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WBKC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.54  Med: 0.81 Max: 1.15
Current: 1.11
0.54
1.15
Price-to-Intrinsic-Value-Projected-FCF 0.59
WBKC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
70% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WBKC: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WBKC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.48  Med: 0.65 Max: 0.73
Current: 0.59
0.48
0.73
Price-to-Median-PS-Value 1.23
WBKC's Price-to-Median-PS-Value is ranked lower than
60% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WBKC: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WBKC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1 Max: 1.59
Current: 1.23
0.77
1.59
Price-to-Peter-Lynch-Fair-Value 0.62
WBKC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
82% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WBKC: 0.62 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
WBKC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.5  Med: 0.58 Max: 0.69
Current: 0.62
0.5
0.69
Price-to-Graham-Number 0.87
WBKC's Price-to-Graham-Number is ranked higher than
54% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. WBKC: 0.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WBKC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.71  Med: 0.9 Max: 2.46
Current: 0.87
0.71
2.46
Earnings Yield (Greenblatt) % 9.14
WBKC's Earnings Yield (Greenblatt) % is ranked higher than
62% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. WBKC: 9.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WBKC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.8  Med: 3.5 Max: 70.9
Current: 9.14
1.8
70.9
Forward Rate of Return (Yacktman) % 39.50
WBKC's Forward Rate of Return (Yacktman) % is ranked higher than
89% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. WBKC: 39.50 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
WBKC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6.7  Med: 42 Max: 61.4
Current: 39.5
6.7
61.4

More Statistics

Revenue (TTM) (Mil) $14.21
EPS (TTM) $ 2.14
Beta0.12
Short Percentage of Float0.03%
52-Week Range $25.37 - 35.00
Shares Outstanding (Mil)2.10

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