Woodlands Financial Services Co stock PB Ratio (=1.07) is close to 5-year high of 1.17.
The historical rank and industry rank for Woodlands Financial Services Co's PB Ratio or its related term are showing as below:
WDFN'
s PB Ratio Range Over the Past 10 Years
Min: 0.68 Med: 0.99 Max: 1.37
Current: 1.02
During the past 13 years, Woodlands Financial Services Co's highest PB Ratio was 1.37. The lowest was 0.68. And the median was 0.99.
WDFN's PB Ratio is ranked better than 53.3% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs WDFN: 1.02
During the past 12 months, Woodlands Financial Services Co's average Book Value Per Share Growth Rate was 18.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -3.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Woodlands Financial Services Co was 37.10% per year. The lowest was -10.00% per year. And the median was 8.90% per year.
Back to Basics: PB Ratio
Woodlands Financial Services Co (OTCPK:WDFN) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Woodlands Financial Services Co PB Ratio Related Terms
Woodlands Financial Services Co PB Ratio 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.
For the Banks - Regional subindustry, Woodlands Financial Services Co's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's PB Ratio falls into.
Woodlands Financial Services Co PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Woodlands Financial Services Co (WDFN) has a PB Ratio of 1.02 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Woodlands Financial Services Co and its competitors. This is near median its historical median of 0.99. Over the past decade, Woodlands Financial Services Co's PB Ratio has ranged from 0.68 to 1.37. According to the industry distribution chart, Woodlands Financial Services Co ranks #708 out of 1516 companies in the Banks industry, placing it in the top 46.7%.
Is Woodlands Financial Services Co's PB Ratio too high?
Woodlands Financial Services Co's current PB Ratio of 1.02 is near median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 1.37. The Banks industry median PB Ratio is 1.09. Woodlands Financial Services Co's value of 1.02 is 6.4% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #708 out of 1516 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 PB Ratio compare to ESBS and SOUB?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #708 out of 1516 companies for PB Ratio. This puts Woodlands Financial Services Co in the upper half of its industry. The industry median PB Ratio is 1.09. Woodlands Financial Services Co's value of 1.02 is 6.4% below this benchmark. Historically, Woodlands Financial Services Co's own PB Ratio has ranged from 0.68 to 1.37 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current PB Ratio of 1.02 is 6.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current PB Ratio is 1.02, which is near median its own 10-year median of 0.99. 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 PB Ratio is 1.02, which is near median its 10-year median of 0.99 and 6.4% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current PB Ratio is 1.02 as of Jun. 27, 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:
PB Ratio: 1.02 (near median its 10-year median of 0.99)
GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
Industry Position: 6.4% below the Banks median (#708 of 1516)
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
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