WDFN (Woodlands Financial Services Co) Moat Score: 3/10 (As of Jun. 28, 2026)


WDFN Woodlands Financial Services Co WDFN
57 GF Score
Price $32.00
GF Value $24.91
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Woodlands Financial Services Co Moat Score?

Woodlands Financial Services Co WDFN -3.03% 57 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.91 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,610 Banks companies, Woodlands Financial Services Co ranks better than 74.41% on this metric.

Woodlands Financial Services Co has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Woodlands Financial Services Co has No Moat: Woodlands Financial Services operates in a competitive financial sector with limited differentiation. It lacks significant market share, brand strength, or regulatory advantages to establish a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Woodlands Financial Services Co might have No Moat - Very weak/transient advantages.

Woodlands Financial Services Co  (OTCPK:WDFN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Woodlands Financial Services Co Moat Score Related Terms

WDFN vs ESBS, SOUB, QNTO: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Woodlands Financial Services Co's Moat Score falls into.


WDFN
57GF Score
Woodlands Financial Services Co WDFN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Woodlands Financial Services Co (WDFN) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Woodlands Financial Services Co ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Woodlands Financial Services Co's Moat Score too high?
Woodlands Financial Services Co's current Moat Score is 3. Based on the distribution chart, Woodlands Financial Services Co ranks #412 out of 1610 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to ESBS and SOUB?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #412 out of 1610 companies for Moat Score. This puts Woodlands Financial Services Co in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Woodlands Financial Services Co's current Moat Score is 3. 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 $24.91, compared to a current price of $32.00 — trading 28.5% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Moat Score is 3 as of Jun. 28, 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 28.5% above its estimated GF Value™ of $24.91. GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.

Key valuation signals for WDFN:

  • Moat Score: 3
  • GF Value™: $24.91 vs. price of $32.00 (28.5% 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

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

$32.00
Price
$24.91
GF Value