WSSH (West Shore Bank) Net Loan: $633.87 Mil (As of Dec. 2025)

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WSSH West Shore Bank Corp WSSH
56 GF Score
Price $43.31
GF Value $35.11
Valuation Modestly Overvalued
! 7 Warning Signs
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What is West Shore Bank Net Loan?

West Shore Bank WSSH 56 Net Loan is $633.87 Mil as of Dec. 2025. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $35.11 (Modestly Overvalued). The stock has 7 warning signs investors should review.

West Shore Bank's quarterly net loan increased from Dec. 2023 ($492.03 Mil) to Dec. 2024 ($565.36 Mil) and increased from Dec. 2024 ($565.36 Mil) to Dec. 2025 ($633.87 Mil).

West Shore Bank's annual net loan increased from Dec. 2023 ($492.03 Mil) to Dec. 2024 ($565.36 Mil) and increased from Dec. 2024 ($565.36 Mil) to Dec. 2025 ($633.87 Mil).

West Shore Bank Net Loan Historical Data

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The historical data trend for West Shore Bank'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.

West Shore Bank Net Loan Chart

West Shore Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 366.37 442.94 492.03 565.36 633.87

West Shore Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial 366.37 442.94 492.03 565.36 633.87
WSSH
56GF Score
West Shore Bank Corp WSSH
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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West Shore Bank 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 $633.87 Mil mean?
West Shore Bank (WSSH) has a Net Loan of $633.87 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on West Shore Bank and its competitors.
Is West Shore Bank's Net Loan too high?
West Shore Bank's current Net Loan is $633.87 Mil. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's Net Loan compare to GVYB and TBBC?
West Shore Bank's Net Loan of $633.87 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 West Shore Bank and its competitors. West Shore Bank's current Net Loan is $633.87 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.11, compared to a current price of $43.31 — trading 23.4% above its estimated fair value. The current Net Loan is $633.87 Mil. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current Net Loan is $633.87 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 West Shore Bank (WSSH) Overvalued in 2026?

Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued. The current stock price of $43.31 is trading 23.4% above its estimated GF Value™ of $35.11. GuruFocus considers West Shore Bank to be Modestly Overvalued.

Key valuation signals for WSSH:

  • Net Loan: $633.87 Mil
  • GF Value™: $35.11 vs. price of $43.31 (23.4% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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

West Shore Bank Business Description

Address 201 West Loomis Street, PO Box 627, Ludington, MI, USA, 49431-2012
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score

Get the complete analysis for WSSH

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

$43.31
Price
$35.11
GF Value