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Woodlands Financial Services CoWDFN 57 3-Year EPS without NRI Growth Rate is 0.80% as of Jun. 2026, which is 76% below its 10-year median of 3.30. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $26.25 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,407 Banks companies, Woodlands Financial Services Co ranks worse than 70.15% on this metric.
During the past 12 months, Woodlands Financial Services Co's average EPS without NRI Growth Rate was 53.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 0.80% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Woodlands Financial Services Co was 149.80% per year. The lowest was -53.40% per year. And the median was 3.30% per year.
Woodlands Financial Services Co (OTCPK:WDFN) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Woodlands Financial Services Co 3-Year EPS without NRI Growth Rate Related Terms
WDFN vs SSBP, ESBS, SCYT: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's 3-Year EPS without NRI Growth Rate falls into.
Woodlands Financial Services Co 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 0.80% mean?
Woodlands Financial Services Co (WDFN) has a 3-Year EPS without NRI Growth Rate of 0.80% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Woodlands Financial Services Co and its competitors. This is 76% below median its historical median of 3.30. According to the industry distribution chart, Woodlands Financial Services Co ranks #987 out of 1407 companies in the Banks industry, placing it in the top 70.1%.
Is Woodlands Financial Services Co's 3-Year EPS without NRI Growth Rate too high?
Woodlands Financial Services Co's current 3-Year EPS without NRI Growth Rate of 0.80% is 76% below median its 10-year median of 3.30. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Woodlands Financial Services Co's value of 0.80% is 89.3% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #987 out of 1407 companies in the Banks industry, which is below 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 3-Year EPS without NRI Growth Rate compare to SSBP and ESBS?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #987 out of 1407 companies for 3-Year EPS without NRI Growth Rate. This places Woodlands Financial Services Co in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Woodlands Financial Services Co's value of 0.80% is 89.3% below this benchmark. While the company's 10-year median is 3.30 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current 3-Year EPS without NRI Growth Rate of 0.80% is 89.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Woodlands Financial Services Co and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current 3-Year EPS without NRI Growth Rate is 0.80%, which is 76% below median its own 10-year median of 3.30. 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 $26.25, compared to a current price of $36.72 — trading 39.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 0.80%, which is 76% below median its 10-year median of 3.30 and 89.3% below the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current 3-Year EPS without NRI Growth Rate is 0.80% as of Jun. 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 $36.72 is trading 39.9% above its estimated GF Value™ of $26.25.
GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.
Key valuation signals for WDFN:
3-Year EPS without NRI Growth Rate: 0.80% (76% below median its 10-year median of 3.30)
GF Value™: $26.25 vs. price of $36.72 (39.9% above fair value)
Industry Position: 89.3% below the Banks median (#987 of 1407)
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 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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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