WDFN (Woodlands Financial Services Co) ROC %: % (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WDFN Woodlands Financial Services Co WDFN
60 GF Score
Price $34.73
GF Value $26.20
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Woodlands Financial Services Co ROC %?

Woodlands Financial Services Co WDFN +4.45% 60 ROC % is % as of Jun. 2026. GuruFocus rates WDFN with a GF Score™ of 60/100 and a GF Value™ of $26.20 (Significantly Overvalued). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

WDFN
60GF Score
Woodlands Financial Services Co WDFN
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Woodlands Financial Services Co (WDFN) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Woodlands Financial Services Co and its competitors.
Is Woodlands Financial Services Co's ROC % too high?
Woodlands Financial Services Co's current ROC % is %. Overall, Woodlands Financial Services Co has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's ROC % compare to LUMB and SCYT?
Woodlands Financial Services Co's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current ROC % 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 Significantly Overvalued. The stock's GF Value™ is $26.20, compared to a current price of $34.73 — trading 32.6% above its estimated fair value. The current ROC % is %. Woodlands Financial Services Co's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current ROC % is % as of Jun. 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 $34.73 is trading 32.6% above its estimated GF Value™ of $26.20. GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.

Key valuation signals for WDFN:

  • ROC %: %
  • GF Value™: $26.20 vs. price of $34.73 (32.6% above fair value)
  • GF Score™: 60/100 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.
60GF Score

Get the complete analysis for WDFN

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

$34.73
Price
$26.20
GF Value