The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Woodlands Financial Services Co's share price is $32.00.
Woodlands Financial Services Co's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $17.19. Hence, Woodlands Financial Services Co's PS Ratio for today is 1.86.
Warning Sign:
Woodlands Financial Services Co stock PS Ratio (=1.86) is close to 3-year high of 1.96.
The historical rank and industry rank for Woodlands Financial Services Co's PS Ratio or its related term are showing as below:
WDFN'
s PS Ratio Range Over the Past 10 Years
Min: 1.11 Med: 2.31 Max: 9.86
Current: 1.86
During the past 13 years, Woodlands Financial Services Co's highest PS Ratio was 9.86. The lowest was 1.11. And the median was 2.31.
WDFN's PS Ratio is ranked better than 76.5% of 1519
companies
in the Banks industry
Industry Median: 2.97
vs WDFN: 1.86
During the past 13 years, Woodlands Financial Services Co's highest 3-Year average Revenue per Share Growth Rate was 13.20% per year. The lowest was 0.70% per year. And the median was 7.50% per year.
Back to Basics: PS Ratio
Woodlands Financial Services Co (OTCPK:WDFN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Woodlands Financial Services Co PS Ratio Related Terms
Woodlands Financial Services Co PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's PS Ratio distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's PS Ratio falls into.
Woodlands Financial Services Co PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Woodlands Financial Services Co's Share Price of today is $32.00. Woodlands Financial Services Co's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $17.19.
* 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:
Woodlands Financial Services Co (WDFN) has a PS Ratio of 1.86 as of Jun. 30, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Woodlands Financial Services Co and its competitors. This is 19% below median its historical median of 2.31. Over the past decade, Woodlands Financial Services Co's PS Ratio has ranged from 1.11 to 9.86. According to the industry distribution chart, Woodlands Financial Services Co ranks #357 out of 1519 companies in the Banks industry, placing it in the top 23.5%.
Is Woodlands Financial Services Co's PS Ratio too high?
Woodlands Financial Services Co's current PS Ratio of 1.86 is 19% below median its 10-year median of 2.31. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 9.86. The Banks industry median PS Ratio is 2.97. Woodlands Financial Services Co's value of 1.86 is 37.4% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #357 out of 1519 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's PS Ratio compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #357 out of 1519 companies for PS Ratio. This places Woodlands Financial Services Co in the top 24% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.97. Woodlands Financial Services Co's value of 1.86 is 37.4% below this benchmark. Historically, Woodlands Financial Services Co's own PS Ratio has ranged from 1.11 to 9.86 over the past decade. While the company's 10-year median is 2.31 vs. the industry median of 2.97, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.97, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current PS Ratio of 1.86 is 37.4% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current PS Ratio is 1.86, which is 19% below median its own 10-year median of 2.31. 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 PS Ratio is 1.86, which is 19% below median its 10-year median of 2.31 and 37.4% below the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current PS Ratio is 1.86 as of Jun. 30, 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:
PS Ratio: 1.86 (19% below median its 10-year median of 2.31)
GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
Industry Position: 37.4% below the Banks median (#357 of 1519)
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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