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Woodlands Financial Services CoWDFN 57 Equity-to-Asset is 0.07 as of Jun. 2026, which is at its 10-year median of 0.07. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $26.20 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Woodlands Financial Services Co ranks worse than 76.79% on this metric.
Woodlands Financial Services Co (OTCPK:WDFN) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Woodlands Financial Services Co Equity-to-Asset Related Terms
Woodlands Financial Services Co Equity-to-Asset 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 Equity-to-Asset Chart
WDFN vs LUMB, SCYT, ESBS: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Equity-to-Asset falls into.
Woodlands Financial Services Co Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Woodlands Financial Services Co and its competitors. This is near median its historical median of 0.07. Over the past decade, Woodlands Financial Services Co's Equity-to-Asset has ranged from 0.05 to 0.11. According to the industry distribution chart, Woodlands Financial Services Co ranks #1171 out of 1525 companies in the Banks industry, placing it in the top 76.8%.
Is Woodlands Financial Services Co's Equity-to-Asset too high?
Woodlands Financial Services Co's current Equity-to-Asset of 0.07 is near median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Woodlands Financial Services Co's value of 0.07 is 30% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #1171 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to LUMB and SCYT?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #1171 out of 1525 companies for Equity-to-Asset. This places Woodlands Financial Services Co in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Woodlands Financial Services Co's value of 0.07 is 30% below this benchmark. Historically, Woodlands Financial Services Co's own Equity-to-Asset has ranged from 0.05 to 0.11 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current Equity-to-Asset of 0.07 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current Equity-to-Asset is 0.07, which is near median its own 10-year median of 0.07. 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 $26.20, compared to a current price of $33.25 — trading 26.9% above its estimated fair value. The current Equity-to-Asset is 0.07, which is near median its 10-year median of 0.07 and 30% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Equity-to-Asset is 0.07 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 $33.25 is trading 26.9% above its estimated GF Value™ of $26.20.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
Equity-to-Asset: 0.07 (near median its 10-year median of 0.07)
GF Value™: $26.20 vs. price of $33.25 (26.9% above fair value)
Industry Position: 30% below the Banks median (#1171 of 1525)
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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