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Woodsboro Bk MDWOBK -0.17%57 Debt-to-Equity is 0.04 as of Dec. 2025, which is 33% below its 10-year median of 0.06. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $65.73 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,419 Banks companies, Woodsboro Bk MD ranks better than 95.21% 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 Woodsboro Bk MD's Debt-to-Equity or its related term are showing as below:
WOBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.09
Current: 0.04
During the past 7 years, the highest Debt-to-Equity Ratio of Woodsboro Bk MD was 0.09. The lowest was 0.04. And the median was 0.06.
WOBK's Debt-to-Equity is ranked better than 95.21% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs WOBK: 0.04
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.
Woodsboro Bk MD Debt-to-Equity Related Terms
Woodsboro Bk MD Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Woodsboro Bk MD's Debt-to-Equity 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.
WOBK vs FPBC, GBNY, PWBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Woodsboro Bk MD'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.
Woodsboro Bk MD Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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.
Woodsboro Bk MD (WOBK) has a Debt-to-Equity of 0.04 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Woodsboro Bk MD and its competitors. This is 33% below median its historical median of 0.06. Over the past decade, Woodsboro Bk MD's Debt-to-Equity has ranged from 0.04 to 0.09. According to the industry distribution chart, Woodsboro Bk MD ranks #68 out of 1419 companies in the Banks industry, placing it in the top 4.8%.
Is Woodsboro Bk MD's Debt-to-Equity too high?
Woodsboro Bk MD's current Debt-to-Equity of 0.04 is 33% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.09. The Banks industry median Debt-to-Equity is 0.58. Woodsboro Bk MD's value of 0.04 is 93.1% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #68 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to FPBC and GBNY?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #68 out of 1419 companies for Debt-to-Equity. This places Woodsboro Bk MD in the top 5% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Woodsboro Bk MD's value of 0.04 is 93.1% below this benchmark. Historically, Woodsboro Bk MD's own Debt-to-Equity has ranged from 0.04 to 0.09 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.58, Woodsboro Bk MD 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 0.58, based on 1,419 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. Woodsboro Bk MD's current Debt-to-Equity of 0.04 is 93.1% 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 Woodsboro Bk MD and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodsboro Bk MD's current Debt-to-Equity is 0.04, which is 33% below median its own 10-year median of 0.06. 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 $65.73, compared to a current price of $86.60 — trading 31.8% above its estimated fair value. The current Debt-to-Equity is 0.04, which is 33% below median its 10-year median of 0.06 and 93.1% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Woodsboro Bk MD (WOBK), the current Debt-to-Equity is 0.04 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 $86.60 is trading 31.8% above its estimated GF Value™ of $65.73.
GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.
Key valuation signals for WOBK:
Debt-to-Equity: 0.04 (33% below median its 10-year median of 0.06)
GF Value™: $65.73 vs. price of $86.60 (31.8% above fair value)
Industry Position: 93.1% below the Banks median (#68 of 1419)
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 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
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