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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Woodlands Financial Services Co's Total Liabilities for the quarter that ended in Mar. 2026 was $589.23 Mil. Woodlands Financial Services Co's Total Assets for the quarter that ended in Mar. 2026 was $633.31 Mil.
Therefore, Woodlands Financial Services Co's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.93.
Woodlands Financial Services Co (OTCPK:WDFN) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Woodlands Financial Services Co Liabilities-to-Assets Related Terms
Woodlands Financial Services Co Liabilities-to-Assets 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 Liabilities-to-Assets Chart
WDFN vs LUMB, SCYT, ESBS: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Liabilities-to-Assets falls into.
Woodlands Financial Services Co Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities 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 Liabilities-to-Assets of 0.93 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Woodlands Financial Services Co and its competitors.
Is Woodlands Financial Services Co's Liabilities-to-Assets too high?
Woodlands Financial Services Co's current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets compare to LUMB and SCYT?
Woodlands Financial Services Co's Liabilities-to-Assets of 0.93 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Woodlands Financial Services Co and its competitors. Woodlands Financial Services Co's current Liabilities-to-Assets is 0.93. 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 $24.97, compared to a current price of $33.26 — trading 33.2% above its estimated fair value. The current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Liabilities-to-Assets is 0.93 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 $33.26 is trading 33.2% above its estimated GF Value™ of $24.97.
GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.
Key valuation signals for WDFN:
Liabilities-to-Assets: 0.93
GF Value™: $24.97 vs. price of $33.26 (33.2% 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 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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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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