WDFN (Woodlands Financial Services Co) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


WDFN Woodlands Financial Services Co WDFN
57 GF Score
Price $32.00
GF Value $24.92
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Woodlands Financial Services Co ROC (Joel Greenblatt) %?

Woodlands Financial Services Co WDFN 57 ROC (Joel Greenblatt) % is % as of Mar. 2026. 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 47 Banks companies, Woodlands Financial Services Co ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

WDFN
57GF Score
Woodlands Financial Services Co WDFN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Woodlands Financial Services Co (WDFN) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Woodlands Financial Services Co and its competitors. According to the industry distribution chart, Woodlands Financial Services Co ranks #999999 out of 47 companies in the Banks industry.
Is Woodlands Financial Services Co's ROC (Joel Greenblatt) % too high?
Woodlands Financial Services Co's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Woodlands Financial Services Co ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Woodlands Financial Services Co in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $24.92 vs. price of $32.00 (28.4% above fair value)
  • GF Score™: 57/100 with 5 warning signs

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

Address 213 West Fourth Street, Williamsport, PA, USA, 17701
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.00
Price
$24.92
GF Value