WDFN (Woodlands Financial Services Co) E10: $2.87 (As of Mar. 2026)


WDFN Woodlands Financial Services Co WDFN
57 GF Score
Price $32.00
GF Value $24.91
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Woodlands Financial Services Co E10?

Woodlands Financial Services Co WDFN -3.03% 57 E10 is $2.87 as of Mar. 2026. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.91 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Woodlands Financial Services Co's adjusted earnings per share data for the three months ended in Mar. 2026 was $1.200. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.87 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Woodlands Financial Services Co's average E10 Growth Rate was 9.50% per year. During the past 3 years, the average E10 Growth Rate was -1.60% per year. During the past 5 years, the average E10 Growth Rate was 1.20% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Woodlands Financial Services Co was 12.20% per year. The lowest was -2.10% per year. And the median was 2.10% per year.

As of today (2026-06-27), Woodlands Financial Services Co's current stock price is $32.00. Woodlands Financial Services Co's E10 for the quarter that ended in Mar. 2026 was $2.87. Woodlands Financial Services Co's Shiller PE Ratio of today is 11.15.

During the past 13 years, the highest Shiller PE Ratio of Woodlands Financial Services Co was 17.59. The lowest was 6.21. And the median was 11.40.


Woodlands Financial Services Co  (OTCPK:WDFN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Woodlands Financial Services Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=32.00/2.87
=11.15

* 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 Shiller P/E Ratio of Woodlands Financial Services Co was 17.59. The lowest was 6.21. And the median was 11.40.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Woodlands Financial Services Co E10 Related Terms


Woodlands Financial Services Co E10 Historical Data

* Premium members only.

The historical data trend for Woodlands Financial Services Co's E10 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.

Woodlands Financial Services Co E10 Chart

Woodlands Financial Services Co Annual Data
Trend Dec15 Dec16 Dec17 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.74 2.91 2.53 2.57 2.77

Woodlands Financial Services Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 2.62 2.67 2.73 2.77 2.87

WDFN vs ESBS, SOUB, QNTO: E10 Comparison

For the Banks - Regional subindustry, Woodlands Financial Services Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Woodlands Financial Services Co's Shiller PE Ratio falls into.


WDFN
57GF Score
Woodlands Financial Services Co WDFN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Woodlands Financial Services Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.2/330.2130*330.2130
=1.200

Current CPI (Mar. 2026) = 330.2130.

Woodlands Financial Services Co Quarterly Data

per share eps CPI Adj_EPS
201412 0.410 234.812 0.577
201503 0.500 236.119 0.699
201506 0.530 238.638 0.733
201509 0.550 237.945 0.763
201512 0.560 236.525 0.782
201603 0.510 238.132 0.707
201606 0.590 241.018 0.808
201609 0.550 241.428 0.752
201612 0.530 241.432 0.725
201703 0.540 243.801 0.731
201706 0.650 244.955 0.876
201709 0.690 246.819 0.923
201712 0.190 246.524 0.255
201806 1.340 251.989 1.756
201912 0.000 256.974 0.000
202003 0.700 258.115 0.896
202006 0.810 257.797 1.038
202009 0.910 260.280 1.155
202012 0.730 260.474 0.925
202103 0.930 264.877 1.159
202106 0.900 271.696 1.094
202109 1.000 274.310 1.204
202112 0.860 278.802 1.019
202203 0.880 287.504 1.011
202206 0.950 296.311 1.059
202209 0.820 296.808 0.912
202212 0.990 296.797 1.101
202303 0.880 301.836 0.963
202306 0.830 305.109 0.898
202309 0.580 307.789 0.622
202312 -5.140 306.746 -5.533
202403 0.350 312.332 0.370
202406 0.470 314.175 0.494
202409 0.660 315.301 0.691
202412 0.750 315.605 0.785
202503 0.740 319.799 0.764
202506 0.890 322.561 0.911
202509 0.960 324.800 0.976
202512 1.130 324.054 1.151
202603 1.200 330.213 1.200

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.87 mean?
Woodlands Financial Services Co (WDFN) has a E10 of $2.87 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Woodlands Financial Services Co and its competitors.
Is Woodlands Financial Services Co's E10 too high?
Woodlands Financial Services Co's current E10 is $2.87. Overall, Woodlands Financial Services Co has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's E10 compare to ESBS and SOUB?
Woodlands Financial Services Co's E10 of $2.87 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Woodlands Financial Services Co and its competitors. Woodlands Financial Services Co's current E10 is $2.87. 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 Modestly Overvalued. The stock's GF Value™ is $24.91, compared to a current price of $32.00 — trading 28.5% above its estimated fair value. The current E10 is $2.87. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current E10 is $2.87 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 $32.00 is trading 28.5% above its estimated GF Value™ of $24.91. GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.

Key valuation signals for WDFN:

  • E10: $2.87
  • GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
  • GF Score™: 57/100 with 5 warning signs

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

Address 213 West Fourth 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.
57GF Score

Get the complete analysis for WDFN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.00
Price
$24.91
GF Value