WSSH (West Shore Bank) Profitability Rank: 5 (As of Dec. 2025) — 25% Above Median

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WSSH West Shore Bank Corp WSSH
59 GF Score
Price $43.55
GF Value $35.26
Valuation Modestly Overvalued
! 7 Warning Signs
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What is West Shore Bank Profitability Rank?

West Shore Bank WSSH 59 Profitability Rank is 5 as of Dec. 2025, which is 25% above its 10-year median of 4.00. GuruFocus rates WSSH with a GF Score™ of 59/100 and a GF Value™ of $35.26 (Modestly Overvalued). The stock has 7 warning signs investors should review.

West Shore Bank has the Profitability Rank of 5.

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:

1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank

A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

West Shore Bank's Operating Margin % for the quarter that ended in Dec. 2025 was 0.00%. As of today, West Shore Bank's Piotroski F-Score is 8.


West Shore Bank Profitability Rank Related Terms


WSSH vs FGFI, TBBC, BKFL: Profitability Rank Comparison

For the Banks - Regional subindustry, West Shore Bank's Profitability Rank, along with its competitors' market caps and Profitability Rank 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 Profitability Rank vs Banks Industry

For the Banks industry and Financial Services sector, West Shore Bank's Profitability Rank distribution charts can be found below:

* The bar in red indicates where West Shore Bank's Profitability Rank falls into.


WSSH
59GF Score
West Shore Bank Corp WSSH
Profitability Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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West Shore Bank Profitability Rank Calculation

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.

The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

West Shore Bank has the Profitability Rank of 5.

Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.

Profitability Rank is based on these factors:

1. Operating Margin %

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

West Shore Bank's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Dec. 2025 ) / Revenue (Q: Dec. 2025 )
=0 / 34.335
=0.00 %

* 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.

2. Piotroski F-Score

Good Sign:

Piotroski F-Score is 8, indicates a very healthy situation.

The zones of discrimination were as such:

Good or high score = 8 or 9
Bad or low score = 0 or 1

West Shore Bank has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.

3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.

4. Consistency of the profitability

5. Predictability Rank

Frequently Asked Questions Learn more about Profitability Rank →
What does a Profitability Rank of 5 mean?
West Shore Bank (WSSH) has a Profitability Rank of 5 as of Dec. 2025. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on West Shore Bank and its competitors. This is 25% above median its historical median of 4.00. Over the past decade, West Shore Bank's Profitability Rank has ranged from 1.00 to 5.00.
Is West Shore Bank's Profitability Rank too high?
West Shore Bank's current Profitability Rank of 5 is 25% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 5.00. Overall, West Shore Bank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's Profitability Rank compare to FGFI and TBBC?
West Shore Bank's Profitability Rank of 5 can be compared against companies in the Banks industry. Historically, West Shore Bank's own Profitability Rank has ranged from 1.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Profitability Rank for a Banks company?
A good Profitability Rank depends on the Banks industry context. However, Profitability Rank 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on West Shore Bank and its competitors. West Shore Bank's current Profitability Rank is 5, which is 25% above median its own 10-year median of 4.00. 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 $35.26, compared to a current price of $43.55 — trading 23.5% above its estimated fair value. The current Profitability Rank is 5, which is 25% above median its 10-year median of 4.00. West Shore Bank's overall GF Score™ is 59/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For West Shore Bank (WSSH), the current Profitability Rank is 5 as of Dec. 2025. 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 23.5% above its estimated GF Value™ of $35.26. GuruFocus considers West Shore Bank to be Modestly Overvalued.

Key valuation signals for WSSH:

  • Profitability Rank: 5 (25% above median its 10-year median of 4.00)
  • GF Value™: $35.26 vs. price of $43.55 (23.5% above fair value)
  • GF Score™: 59/100 with 7 warning signs

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.
59GF Score

Get the complete analysis for WSSH

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

$43.55
Price
$35.26
GF Value