WDFN (Woodlands Financial Services Co) EV-to-FCF: (As of Aug. 14, 2026)

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Director of Data and Quant Analytics at GuruFocus
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WDFN Woodlands Financial Services Co WDFN
57 GF Score
Price $34.66
GF Value $26.21
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Woodlands Financial Services Co EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Woodlands Financial Services Co's Enterprise Value is $23.31 Mil. Woodlands Financial Services Co's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, Woodlands Financial Services Co's EV-to-FCF for today is .

The historical rank and industry rank for Woodlands Financial Services Co's EV-to-FCF or its related term are showing as below:

WDFN' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 3.78
Current: 3.7

During the past 13 years, the highest EV-to-FCF of Woodlands Financial Services Co was 3.78. The lowest was 0.00. And the median was 0.00.

WDFN's EV-to-FCF is ranked better than
64.58% of 1180 companies
in the Banks industry
Industry Median: 7.235 vs WDFN: 3.70

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-14), Woodlands Financial Services Co's stock price is $34.66. Woodlands Financial Services Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $4.650. Therefore, Woodlands Financial Services Co's PE Ratio (TTM) for today is 7.45.


Woodlands Financial Services Co  (OTCPK:WDFN) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Woodlands Financial Services Co's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=34.66/4.650
=7.45

Woodlands Financial Services Co's share price for today is $34.66.
Woodlands Financial Services Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.650.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Woodlands Financial Services Co EV-to-FCF Related Terms


Woodlands Financial Services Co EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Woodlands Financial Services Co's EV-to-FCF 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 EV-to-FCF Chart

Woodlands Financial Services Co Annual Data
Trend Dec15 Dec16 Dec17 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.93 2.98 9.50 9.23 3.22

Woodlands Financial Services Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-FCF 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 0.00 0.00 3.22 0.00 0.00

WDFN vs LUMB, SCYT, ESBS: EV-to-FCF Comparison

For the Banks - Regional subindustry, Woodlands Financial Services Co's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Woodlands Financial Services Co's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Woodlands Financial Services Co's EV-to-FCF falls into.


WDFN
57GF Score
Woodlands Financial Services Co WDFN
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Woodlands Financial Services Co EV-to-FCF Calculation

Woodlands Financial Services Co's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=23.311/0
=

Woodlands Financial Services Co's current Enterprise Value is $23.31 Mil.
Woodlands Financial Services Co's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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 $34.66 is trading 32.2% above its estimated GF Value™ of $26.21. GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.

Key valuation signals for WDFN:

  • EV-to-FCF:
  • GF Value™: $26.21 vs. price of $34.66 (32.2% 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

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

$34.66
Price
$26.21
GF Value