ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Woodlands Financial Services Co's annualizedNet Income for the quarter that ended in Mar. 2026 was $6.70 Mil.
Woodlands Financial Services Co's average Total Assets over the quarter that ended in Mar. 2026 was $624.56 Mil. Therefore, Woodlands Financial Services Co's annualized ROA % for the quarter that ended in Mar. 2026 was 1.07%.
WDFN'
s ROA % 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 ROA % was 1.30%. The lowest was -0.65%. And the median was 0.87%.
WDFN's ROA % is ranked worse than 52.91% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs WDFN: 0.94
Woodlands Financial Services Co (OTCPK:WDFN) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Woodlands Financial Services Co ROA % Related Terms
Woodlands Financial Services Co ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's ROA % distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Woodlands Financial Services Co (WDFN) has a ROA % of 1.07% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 #809 out of 1529 companies in the Banks industry, placing it in the top 52.9%.
Is Woodlands Financial Services Co's ROA % too high?
Woodlands Financial Services Co's current ROA % of 1.07% is 23% above median its 10-year median of 0.87. The Banks industry median ROA % is 0.98. Woodlands Financial Services Co's value of 1.07% is 9.2% above this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #809 out of 1529 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 ROA % compare to ESBS and SOUB?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #809 out of 1529 companies for ROA %. This places Woodlands Financial Services Co in the lower half of its industry. The industry median ROA % is 0.98. Woodlands Financial Services Co's value of 1.07% is 9.2% above this benchmark. While the company's 10-year median is 0.87 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current ROA % of 1.07% is 9.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current ROA % 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 $24.91, compared to a current price of $32.00 — trading 28.5% above its estimated fair value. The current ROA % is 1.07%, which is 23% above median its 10-year median of 0.87 and 9.2% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current ROA % 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 $32.00 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:
ROA %: 1.07% (23% above median its 10-year median of 0.87)
GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
Industry Position: 9.2% above the Banks median (#809 of 1529)
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
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