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WDFN (Woodlands Financial Services Co) Cyclically Adjusted PB Ratio : 0.70 (As of May. 29, 2025)


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What is Woodlands Financial Services Co Cyclically Adjusted PB Ratio?

As of today (2025-05-29), Woodlands Financial Services Co's current share price is $21.50. 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 for today is 0.70.

The historical rank and industry rank for Woodlands Financial Services Co's Cyclically Adjusted PB Ratio or its related term are showing as below:

WDFN' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.55   Med: 1.32   Max: 1.79
Current: 0.72

During the past years, Woodlands Financial Services Co's highest Cyclically Adjusted PB Ratio was 1.79. The lowest was 0.55. And the median was 1.32.

WDFN's Cyclically Adjusted PB Ratio is ranked better than
71.84% of 1282 companies
in the Banks industry
Industry Median: 1.01 vs WDFN: 0.72

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 adjusted book value per share data 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.

Shiller PE for Stocks: The True Measure of Stock Valuation


Woodlands Financial Services Co Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Woodlands Financial Services Co's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Woodlands Financial Services Co Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.24 1.22 0.97 0.69 0.66

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 PB Ratio 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 0.56 0.59 0.67 0.66 0.73

Competitive Comparison of Woodlands Financial Services Co's Cyclically Adjusted PB Ratio

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 PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=21.50/30.76
=0.70

* 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.

Woodlands Financial Services Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

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.

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.


Woodlands Financial Services Co  (OTCPK:WDFN) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Woodlands Financial Services Co Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Woodlands Financial Services Co's Cyclically Adjusted PB Ratio 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.