Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-26), Woodlands Financial Services Co's 3-1 Month Momentum % is 10.00%.
WDFN's 3-1 Month Momentum % is ranked better than 78.25% of 1577
companies
in the Banks industry
Industry Median: 2.64
vs WDFN: 10.00
Woodlands Financial Services Co (OTCPK:WDFN) 3-1 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 3-1 Month Momentum % measures the total return to a stock over the past three 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.
Woodlands Financial Services Co 3-1 Month Momentum % Related Terms
WDFN vs LUMB, UNBK, MBBC: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 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.
Woodlands Financial Services Co 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's 3-1 Month Momentum % falls into.
Woodlands Financial Services Co (OTCPK:WDFN) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-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.
Woodlands Financial Services Co (WDFN) has a 3-1 Month Momentum % of 10.00% as of Jul. 26, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Woodlands Financial Services Co and its competitors. According to the industry distribution chart, Woodlands Financial Services Co ranks #343 out of 1577 companies in the Banks industry, placing it in the top 21.8%.
Is Woodlands Financial Services Co's 3-1 Month Momentum % too high?
Woodlands Financial Services Co's current 3-1 Month Momentum % is 10.00%. The Banks industry median 3-1 Month Momentum % is 2.64. Woodlands Financial Services Co's value of 10.00% is 278.8% above this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #343 out of 1577 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-1 Month Momentum % compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #343 out of 1577 companies for 3-1 Month Momentum %. This places Woodlands Financial Services Co in the top 22% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 2.64. Woodlands Financial Services Co's value of 10.00% is 278.8% 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 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.64, based on 1,577 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current 3-1 Month Momentum % of 10.00% is 278.8% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current 3-1 Month Momentum % is 10.00%. 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 $24.96, compared to a current price of $32.80 — trading 31.4% above its estimated fair value. The current 3-1 Month Momentum % is 10.00% and 278.8% above the Banks industry median of 2.64. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current 3-1 Month Momentum % is 10.00% as of Jul. 26, 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 $32.80 is trading 31.4% above its estimated GF Value™ of $24.96.
GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.
Key valuation signals for WDFN:
3-1 Month Momentum %: 10.00%
GF Value™: $24.96 vs. price of $32.80 (31.4% above fair value)
Industry Position: 278.8% above the Banks median (#343 of 1577)
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
Get the complete analysis for WDFN
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WDFN has been successfully added to your 
