Woodlands Financial Services CoWDFN +1.41%57 Return-on-Tangible-Asset is 1.07% as of Mar. 2026, which is 23% above its 10-year median of 0.87. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.93 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Woodlands Financial Services Co ranks worse than 53.53% on this metric.
The historical rank and industry rank for Woodlands Financial Services Co's Return-on-Tangible-Asset or its related term are showing as below:
WDFN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.65 Med: 0.87 Max: 1.3
Current: 0.94
During the past 13 years, Woodlands Financial Services Co's highest Return-on-Tangible-Asset was 1.30%. The lowest was -0.65%. And the median was 0.87%.
WDFN's Return-on-Tangible-Asset is ranked worse than 53.53% of 1528
companies
in the Banks industry
Industry Median: 0.99
vs WDFN: 0.94
Woodlands Financial Services Co (OTCPK:WDFN) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Woodlands Financial Services Co Return-on-Tangible-Asset Related Terms
Woodlands Financial Services Co Return-on-Tangible-Asset 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.
Woodlands Financial Services Co Return-on-Tangible-Asset Chart
WDFN vs LUMB, UNBK, MBBC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.07% mean?
Woodlands Financial Services Co (WDFN) has a Return-on-Tangible-Asset of 1.07% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Woodlands Financial Services Co and its competitors. This is 23% above median its historical median of 0.87. According to the industry distribution chart, Woodlands Financial Services Co ranks #818 out of 1528 companies in the Banks industry, placing it in the top 53.5%.
Is Woodlands Financial Services Co's Return-on-Tangible-Asset too high?
Woodlands Financial Services Co's current Return-on-Tangible-Asset of 1.07% is 23% above median its 10-year median of 0.87. The Banks industry median Return-on-Tangible-Asset is 0.99. Woodlands Financial Services Co's value of 1.07% is 8.1% above this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #818 out of 1528 companies in the Banks industry, which is below 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 Return-on-Tangible-Asset compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #818 out of 1528 companies for Return-on-Tangible-Asset. This places Woodlands Financial Services Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Woodlands Financial Services Co's value of 1.07% is 8.1% above this benchmark. While the company's 10-year median is 0.87 vs. the industry median of 0.99, Woodlands Financial Services Co has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current Return-on-Tangible-Asset of 1.07% is 8.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current Return-on-Tangible-Asset is 1.07%, which is 23% above median its own 10-year median of 0.87. 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 $24.93, compared to a current price of $32.45 — trading 30.2% above its estimated fair value. The current Return-on-Tangible-Asset is 1.07%, which is 23% above median its 10-year median of 0.87 and 8.1% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Return-on-Tangible-Asset is 1.07% as of Mar. 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 $32.45 is trading 30.2% above its estimated GF Value™ of $24.93.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
Return-on-Tangible-Asset: 1.07% (23% above median its 10-year median of 0.87)
GF Value™: $24.93 vs. price of $32.45 (30.2% above fair value)
Industry Position: 8.1% above the Banks median (#818 of 1528)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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