WOBK (Woodsboro Bk MD) Net Loan: $325.13 Mil (As of Dec. 2025)

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WOBK Woodsboro Bk MD WOBK
57 GF Score
Price $86.00
GF Value $65.48
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Woodsboro Bk MD Net Loan?

Woodsboro Bk MD WOBK +1.18% 57 Net Loan is $325.13 Mil as of Dec. 2025. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $65.48 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Woodsboro Bk MD's quarterly net loan increased from Dec. 2023 ($276.65 Mil) to Dec. 2024 ($308.29 Mil) and increased from Dec. 2024 ($308.29 Mil) to Dec. 2025 ($325.13 Mil).

Woodsboro Bk MD's annual net loan increased from Dec. 2023 ($276.65 Mil) to Dec. 2024 ($308.29 Mil) and increased from Dec. 2024 ($308.29 Mil) to Dec. 2025 ($325.13 Mil).

Woodsboro Bk MD Net Loan Historical Data

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The historical data trend for Woodsboro Bk MD's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Woodsboro Bk MD Net Loan Chart

Woodsboro Bk MD Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 218.07 251.41 276.65 308.29 325.13

Woodsboro Bk MD Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial 218.07 251.41 276.65 308.29 325.13
WOBK
57GF Score
Woodsboro Bk MD WOBK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Woodsboro Bk MD Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $325.13 Mil mean?
Woodsboro Bk MD (WOBK) has a Net Loan of $325.13 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Woodsboro Bk MD and its competitors.
Is Woodsboro Bk MD's Net Loan too high?
Woodsboro Bk MD's current Net Loan is $325.13 Mil. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Net Loan compare to FPBC and GBNY?
Woodsboro Bk MD's Net Loan of $325.13 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Woodsboro Bk MD and its competitors. Woodsboro Bk MD's current Net Loan is $325.13 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $65.48, compared to a current price of $86.00 — trading 31.3% above its estimated fair value. The current Net Loan is $325.13 Mil. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Woodsboro Bk MD (WOBK), the current Net Loan is $325.13 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Woodsboro Bk MD (WOBK) Overvalued in 2026?

Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued. The current stock price of $86.00 is trading 31.3% above its estimated GF Value™ of $65.48. GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.

Key valuation signals for WOBK:

  • Net Loan: $325.13 Mil
  • GF Value™: $65.48 vs. price of $86.00 (31.3% above fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Woodsboro Bk MD Business Description

Address 5 North Main Street, Woodsboro, MD, USA, 21798
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score

Get the complete analysis for WOBK

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$86.00
Price
$65.48
GF Value