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WDFN (Woodlands Financial Services Co) Cyclically Adjusted Book per Share : $30.76 (As of Mar. 2025)


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What is Woodlands Financial Services Co Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Woodlands Financial Services Co's adjusted book value per share for the three months ended in Mar. 2025 was $26.821. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $30.76 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Woodlands Financial Services Co's average Cyclically Adjusted Book Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 8.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Woodlands Financial Services Co was 10.60% per year. The lowest was 5.70% per year. And the median was 9.80% per year.

As of today (2025-05-14), Woodlands Financial Services Co's current stock price is $20.96. Woodlands Financial Services Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $30.76. Woodlands Financial Services Co's Cyclically Adjusted PB Ratio of today is 0.68.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Woodlands Financial Services Co was 1.79. The lowest was 0.55. And the median was 1.34.


Woodlands Financial Services Co Cyclically Adjusted Book per Share Historical Data

The historical data trend for Woodlands Financial Services Co's Cyclically Adjusted Book per Share 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.

* Premium members only.

Woodlands Financial Services Co Cyclically Adjusted Book per Share Chart

Woodlands Financial Services Co Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.05 25.71 28.37 29.80 30.35

Woodlands Financial Services Co Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 30.16 30.25 30.35 30.35 30.76

Competitive Comparison of Woodlands Financial Services Co's Cyclically Adjusted Book per Share

For the Banks - Regional subindustry, Woodlands Financial Services Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Woodlands Financial Services Co's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Woodlands Financial Services Co's Cyclically Adjusted PB Ratio falls into.


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Woodlands Financial Services Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Woodlands Financial Services Co's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=26.821/134.9266*134.9266
=26.821

Current CPI (Mar. 2025) = 134.9266.

Woodlands Financial Services Co Quarterly Data

Book Value per Share CPI Adj_Book
201312 19.617 98.326 26.919
201403 20.158 99.695 27.282
201406 20.645 100.560 27.701
201409 21.010 100.428 28.227
201412 21.382 99.070 29.121
201503 21.818 99.621 29.550
201506 21.832 100.684 29.257
201509 22.396 100.392 30.100
201512 22.626 99.792 30.592
201603 23.225 100.470 31.190
201606 23.854 101.688 31.651
201609 24.022 101.861 31.820
201612 23.762 101.863 31.475
201703 24.150 102.862 31.678
201706 24.752 103.349 32.315
201709 25.249 104.136 32.715
201712 25.122 104.011 32.589
201806 25.619 106.317 32.513
201912 29.704 108.420 36.966
202003 0.000 108.902 0.000
202006 0.000 108.767 0.000
202009 0.000 109.815 0.000
202012 32.595 109.897 40.019
202103 32.601 111.754 39.361
202106 33.731 114.631 39.703
202109 33.989 115.734 39.625
202112 34.281 117.630 39.322
202203 30.451 121.301 33.872
202206 27.710 125.017 29.907
202209 24.553 125.227 26.455
202212 26.064 125.222 28.084
202303 28.136 127.348 29.810
202306 27.527 128.729 28.852
202309 25.943 129.860 26.955
202312 23.777 129.419 24.789
202403 23.588 131.776 24.152
202406 23.786 132.554 24.212
202409 26.243 133.029 26.617
202412 25.539 133.157 25.878
202503 26.821 134.927 26.821

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


Woodlands Financial Services Co  (OTCPK:WDFN) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Woodlands Financial Services Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.96/30.76
=0.68

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Woodlands Financial Services Co was 1.79. The lowest was 0.55. And the median was 1.34.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Woodlands Financial Services Co Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Woodlands Financial Services Co's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Woodlands Financial Services Co Business Description

Traded in Other Exchanges
N/A
Address
2450 E. Third Street, Williamsport, PA, USA, 17701
Woodlands Financial Services Co is a Pennsylvania corporation organized as financial services holding company of Woodlands Bank. The Bank is a state chartered commercial bank located in Williamsport, Pennsylvania and operates as a traditional community bank, providing commercial and consumer banking and trust services in Lycoming and Clinton Counties and the surrounding market area. Its services comprise Merchant Services, Cyber Security, Online Banking & Bill Pay, Mobile Banking and Additional Bank Services. The Company has determined that its only reportable segment is community banking. It also offers other services including trust and asset management and money orders.