Woodsboro Bk MDWOBK 57 ROA % is 0.98% as of Dec. 2025, which is 32% above its 10-year median of 0.74. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Woodsboro Bk MD ranks better than 50.1% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Woodsboro Bk MD's annualizedNet Income for the quarter that ended in Dec. 2025 was $4.39 Mil.
Woodsboro Bk MD's average Total Assets over the quarter that ended in Dec. 2025 was $447.03 Mil. Therefore, Woodsboro Bk MD's annualized ROA % for the quarter that ended in Dec. 2025 was 0.98%.
The historical rank and industry rank for Woodsboro Bk MD's ROA % or its related term are showing as below:
WOBK'
s ROA % Range Over the Past 10 Years
Min: 0.45 Med: 0.74 Max: 0.98
Current: 0.98
During the past 7 years, Woodsboro Bk MD's highest ROA % was 0.98%. The lowest was 0.45%. And the median was 0.74%.
WOBK's ROA % is ranked better than 50.1% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs WOBK: 0.98
Woodsboro Bk MD (OTCPK:WOBK) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) 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.
Woodsboro Bk MD ROA % Related Terms
Woodsboro Bk MD ROA % Historical Data
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The historical data trend for Woodsboro Bk MD's ROA % can be seen below:
* 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, Woodsboro Bk MD'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.
Woodsboro Bk MD ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's ROA % distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Woodsboro Bk MD (WOBK) has a ROA % of 0.98% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Woodsboro Bk MD and its competitors. This is 32% above median its historical median of 0.74. Over the past decade, Woodsboro Bk MD's ROA % has ranged from 0.45 to 0.98. According to the industry distribution chart, Woodsboro Bk MD ranks #763 out of 1529 companies in the Banks industry, placing it in the top 49.9%.
Is Woodsboro Bk MD's ROA % too high?
Woodsboro Bk MD's current ROA % of 0.98% is 32% above median its 10-year median of 0.74. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 0.98. The Banks industry median ROA % is 0.98. Woodsboro Bk MD's value of 0.98% is 0% at this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #763 out of 1529 companies in the Banks industry, which is above the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's ROA % compare to FBPA and PWBK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #763 out of 1529 companies for ROA %. This puts Woodsboro Bk MD in the upper half of its industry. The industry median ROA % is 0.98. Woodsboro Bk MD's value of 0.98% is 0% at this benchmark. Historically, Woodsboro Bk MD's own ROA % has ranged from 0.45 to 0.98 over the past decade. While the company's 10-year median is 0.74 vs. the industry median of 0.98, Woodsboro Bk MD has consistently been at 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. Woodsboro Bk MD's current ROA % of 0.98% is 0% at 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current ROA % is 0.98%, which is 32% above median its own 10-year median of 0.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $82.00 — trading 26.4% above its estimated fair value. The current ROA % is 0.98%, which is 32% above median its 10-year median of 0.74 and 0% at the Banks industry median of 0.98. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current ROA % is 0.98% 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $82.00 is trading 26.4% above its estimated GF Value™ of $64.87.
GuruFocus considers Woodsboro Bk MD to be Modestly Overvalued.
Key valuation signals for WOBK:
ROA %: 0.98% (32% above median its 10-year median of 0.74)
GF Value™: $64.87 vs. price of $82.00 (26.4% above fair value)
Industry Position: 0% at the Banks median (#763 of 1529)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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