* 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 Effective Interest Rate on Debt % Chart
WDFN vs LUMB, UNBK, MBBC: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 86.16% mean?
Woodlands Financial Services Co (WDFN) has a Effective Interest Rate on Debt % of 86.16% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Woodlands Financial Services Co and its competitors.
Is Woodlands Financial Services Co's Effective Interest Rate on Debt % too high?
Woodlands Financial Services Co's current Effective Interest Rate on Debt % is 86.16%. 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 Effective Interest Rate on Debt % compare to LUMB and UNBK?
Woodlands Financial Services Co's Effective Interest Rate on Debt % of 86.16% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Woodlands Financial Services Co and its competitors. Woodlands Financial Services Co's current Effective Interest Rate on Debt % is 86.16%. 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 $24.93, compared to a current price of $32.00 — trading 28.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 86.16%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Effective Interest Rate on Debt % is 86.16% 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 28.4% above its estimated GF Value™ of $24.93.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
Effective Interest Rate on Debt %: 86.16%
GF Value™: $24.93 vs. price of $32.00 (28.4% above fair value)
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
Get the complete analysis for WDFN
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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