WSSH (West Shore Bank) 12-1 Month Momentum %: 43.38% (As of Aug. 21, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WSSH West Shore Bank Corp WSSH
58 GF Score
Price $43.55
GF Value $35.38
Valuation Modestly Overvalued
! 7 Warning Signs
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What is West Shore Bank 12-1 Month Momentum %?

West Shore Bank WSSH 58 12-1 Month Momentum % is 43.38% as of Aug. 21, 2026. GuruFocus rates WSSH with a GF Score™ of 58/100 and a GF Value™ of $35.38 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,597 Banks companies, West Shore Bank ranks better than 79.27% on this metric.

12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-08-21), West Shore Bank's 12-1 Month Momentum % is 43.38%.

The industry rank for West Shore Bank's 12-1 Month Momentum % or its related term are showing as below:

WSSH's 12-1 Month Momentum % is ranked better than
79.27% of 1597 companies
in the Banks industry
Industry Median: 18.75 vs WSSH: 43.38

West Shore Bank  (OTCPK:WSSH) 12-1 Month Momentum % Explanation

Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.

The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.


West Shore Bank 12-1 Month Momentum % Related Terms


WSSH vs FGFI, TBBC, BKFL: 12-1 Month Momentum % Comparison

For the Banks - Regional subindustry, West Shore Bank's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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.


West Shore Bank 12-1 Month Momentum % vs Banks Industry

For the Banks industry and Financial Services sector, West Shore Bank's 12-1 Month Momentum % distribution charts can be found below:

* The bar in red indicates where West Shore Bank's 12-1 Month Momentum % falls into.


WSSH
58GF Score
West Shore Bank Corp WSSH
12-1 Month Momentum % is just one metric. See GF Score™, valuation, warning signs, and more.
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West Shore Bank  (OTCPK:WSSH) 12-1 Month Momentum % Calculation

12-1 Month Momentum % is calculated as following:

12-1 Month Momentum %=( Price 1-month ago / Price 12-month ago - 1 ) * 100 %

* 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.

Frequently Asked Questions Learn more about 12-1 Month Momentum % →
What does a 12-1 Month Momentum % of 43.38% mean?
West Shore Bank (WSSH) has a 12-1 Month Momentum % of 43.38% as of Aug. 21, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on West Shore Bank and its competitors. According to the industry distribution chart, West Shore Bank ranks #331 out of 1597 companies in the Banks industry, placing it in the top 20.7%.
Is West Shore Bank's 12-1 Month Momentum % too high?
West Shore Bank's current 12-1 Month Momentum % is 43.38%. The Banks industry median 12-1 Month Momentum % is 18.75. West Shore Bank's value of 43.38% is 131.4% above this industry median. Based on the distribution chart, West Shore Bank ranks #331 out of 1597 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, West Shore Bank has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's 12-1 Month Momentum % compare to FGFI and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #331 out of 1597 companies for 12-1 Month Momentum %. This places West Shore Bank in the top 21% of its industry — outperforming the majority of peers. The industry median 12-1 Month Momentum % is 18.75. West Shore Bank's value of 43.38% is 131.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 18.75, based on 1,597 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. West Shore Bank's current 12-1 Month Momentum % of 43.38% is 131.4% above 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on West Shore Bank and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 18.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. West Shore Bank's current 12-1 Month Momentum % is 43.38%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.38, compared to a current price of $43.55 — trading 23.1% above its estimated fair value. The current 12-1 Month Momentum % is 43.38% and 131.4% above the Banks industry median of 18.75. West Shore Bank's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For West Shore Bank (WSSH), the current 12-1 Month Momentum % is 43.38% as of Aug. 21, 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 West Shore Bank (WSSH) Overvalued in 2026?

Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued. The current stock price of $43.55 is trading 23.1% above its estimated GF Value™ of $35.38. GuruFocus considers West Shore Bank to be Modestly Overvalued.

Key valuation signals for WSSH:

  • 12-1 Month Momentum %: 43.38%
  • GF Value™: $35.38 vs. price of $43.55 (23.1% above fair value)
  • GF Score™: 58/100 with 7 warning signs
  • Industry Position: 131.4% above the Banks median (#331 of 1597)

No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


West Shore Bank Business Description

Address 201 West Loomis Street, PO Box 627, Ludington, MI, USA, 49431-2012
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
58GF Score

Get the complete analysis for WSSH

12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.55
Price
$35.38
GF Value