Woodlands Financial Services CoWDFN -3.03%57 Return-on-Tangible-Equity is 15.34% as of Mar. 2026, which is 55% above its 10-year median of 9.91. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.92 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Woodlands Financial Services Co ranks better than 70.85% on this metric.
The historical rank and industry rank for Woodlands Financial Services Co's Return-on-Tangible-Equity or its related term are showing as below:
WDFN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -11.47 Med: 9.91 Max: 14.3
Current: 14.3
During the past 13 years, Woodlands Financial Services Co's highest Return-on-Tangible-Equity was 14.30%. The lowest was -11.47%. And the median was 9.91%.
WDFN's Return-on-Tangible-Equity is ranked better than 70.85% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs WDFN: 14.30
Woodlands Financial Services Co (OTCPK:WDFN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Woodlands Financial Services Co Return-on-Tangible-Equity Related Terms
Woodlands Financial Services Co Return-on-Tangible-Equity 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-Equity Chart
WDFN vs LUMB, UNBK, MBBC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.34% mean?
Woodlands Financial Services Co (WDFN) has a Return-on-Tangible-Equity of 15.34% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Woodlands Financial Services Co and its competitors. This is 55% above median its historical median of 9.91. According to the industry distribution chart, Woodlands Financial Services Co ranks #444 out of 1523 companies in the Banks industry, placing it in the top 29.2%.
Is Woodlands Financial Services Co's Return-on-Tangible-Equity too high?
Woodlands Financial Services Co's current Return-on-Tangible-Equity of 15.34% is 55% above median its 10-year median of 9.91. The Banks industry median Return-on-Tangible-Equity is 11.20. Woodlands Financial Services Co's value of 15.34% is 37% above this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #444 out of 1523 companies in the Banks industry, which is above 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-Equity compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #444 out of 1523 companies for Return-on-Tangible-Equity. This puts Woodlands Financial Services Co in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Woodlands Financial Services Co's value of 15.34% is 37% above this benchmark. While the company's 10-year median is 9.91 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 15.34% is 37% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 15.34%, which is 55% above median its own 10-year median of 9.91. 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 $24.92, compared to a current price of $32.00 — trading 28.4% above its estimated fair value. The current Return-on-Tangible-Equity is 15.34%, which is 55% above median its 10-year median of 9.91 and 37% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Return-on-Tangible-Equity is 15.34% 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 $32.00 is trading 28.4% above its estimated GF Value™ of $24.92.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
Return-on-Tangible-Equity: 15.34% (55% above median its 10-year median of 9.91)
GF Value™: $24.92 vs. price of $32.00 (28.4% above fair value)
Industry Position: 37% above the Banks median (#444 of 1523)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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