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Woodlands Financial Services CoWDFN 57 Debt-to-Equity is 0.23 as of Mar. 2026, which is 36% below its 10-year median of 0.36. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.95 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,417 Banks companies, Woodlands Financial Services Co ranks better than 73.39% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Woodlands Financial Services Co's Debt-to-Equity or its related term are showing as below:
WDFN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.36 Max: 0.73
Current: 0.23
During the past 13 years, the highest Debt-to-Equity Ratio of Woodlands Financial Services Co was 0.73. The lowest was 0.08. And the median was 0.36.
WDFN's Debt-to-Equity is ranked better than 73.39% of 1417
companies
in the Banks industry
Industry Median: 0.57
vs WDFN: 0.23
Woodlands Financial Services Co (OTCPK:WDFN) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Woodlands Financial Services Co Debt-to-Equity Related Terms
Woodlands Financial Services Co Debt-to-Equity Historical Data
* 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 Debt-to-Equity Chart
WDFN vs LUMB, UNBK, MBBC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Debt-to-Equity falls into.
* 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 (WDFN) has a Debt-to-Equity of 0.23 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Woodlands Financial Services Co and its competitors. This is 36% below median its historical median of 0.36. Over the past decade, Woodlands Financial Services Co's Debt-to-Equity has ranged from 0.08 to 0.73. According to the industry distribution chart, Woodlands Financial Services Co ranks #377 out of 1417 companies in the Banks industry, placing it in the top 26.6%.
Is Woodlands Financial Services Co's Debt-to-Equity too high?
Woodlands Financial Services Co's current Debt-to-Equity of 0.23 is 36% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.73. The Banks industry median Debt-to-Equity is 0.57. Woodlands Financial Services Co's value of 0.23 is 59.6% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #377 out of 1417 companies in the Banks industry, which is above the industry midpoint. Overall, Woodlands Financial Services Co has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's Debt-to-Equity compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #377 out of 1417 companies for Debt-to-Equity. This puts Woodlands Financial Services Co in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Woodlands Financial Services Co's value of 0.23 is 59.6% below this benchmark. Historically, Woodlands Financial Services Co's own Debt-to-Equity has ranged from 0.08 to 0.73 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.57, Woodlands Financial Services Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,417 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current Debt-to-Equity of 0.23 is 59.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current Debt-to-Equity is 0.23, which is 36% below median its own 10-year median of 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodlands Financial Services Co stock overvalued right now?
Based on GuruFocus' analysis, Woodlands Financial Services Co (WDFN) is currently considered Significantly Overvalued. The stock's GF Value™ is $24.95, compared to a current price of $32.75 — trading 31.3% above its estimated fair value. The current Debt-to-Equity is 0.23, which is 36% below median its 10-year median of 0.36 and 59.6% below the Banks industry median of 0.57. Woodlands Financial Services Co's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Debt-to-Equity is 0.23 as of Mar. 2026. 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 Woodlands Financial Services Co (WDFN) Overvalued in 2026?
Based on GuruFocus' analysis, Woodlands Financial Services Co stock appears to be overvalued.
The current stock price of $32.75 is trading 31.3% above its estimated GF Value™ of $24.95.
GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.
Key valuation signals for WDFN:
Debt-to-Equity: 0.23 (36% below median its 10-year median of 0.36)
GF Value™: $24.95 vs. price of $32.75 (31.3% above fair value)
Industry Position: 59.6% below the Banks median (#377 of 1417)
No single metric tells the full story. See the WDFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodlands Financial Services Co Business Description
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.
57GF Score
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