WOBK (Woodsboro Bk MD) ROE % Adjusted to Book Value: 19.37% (As of Dec. 2025)


WOBK Woodsboro Bk MD WOBK
57 GF Score
Price $85.00
GF Value $64.87
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Woodsboro Bk MD ROE % Adjusted to Book Value?

Woodsboro Bk MD WOBK +3.66% 57 ROE % Adjusted to Book Value is 19.37% as of Dec. 2025. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Woodsboro Bk MD's ROE % for the quarter that ended in Dec. 2025 was 15.69%. Woodsboro Bk MD's PB Ratio for the quarter that ended in Dec. 2025 was 0.81. Woodsboro Bk MD's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 19.37%.

Woodsboro Bk MD ROE % Adjusted to Book Value Related Terms

Woodsboro Bk MD ROE % Adjusted to Book Value Historical Data

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The historical data trend for Woodsboro Bk MD's ROE % Adjusted to Book Value 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.

Woodsboro Bk MD ROE % Adjusted to Book Value Chart

Woodsboro Bk MD Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 12.21 11.59 22.89 19.50 19.37

Woodsboro Bk MD Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial 12.21 11.59 22.89 19.50 19.37

WOBK vs FBPA, RBNK, JFWV: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Woodsboro Bk MD's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Woodsboro Bk MD's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Woodsboro Bk MD's ROE % Adjusted to Book Value falls into.


WOBK
57GF Score
Woodsboro Bk MD WOBK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Woodsboro Bk MD ROE % Adjusted to Book Value Calculation

Woodsboro Bk MD's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.69% / 0.81
=19.37%

Woodsboro Bk MD's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.69% / 0.81
=19.37%

* 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.

What does a ROE % Adjusted to Book Value of 19.37% mean?
Woodsboro Bk MD (WOBK) has a ROE % Adjusted to Book Value of 19.37% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Woodsboro Bk MD and its competitors.
Is Woodsboro Bk MD's ROE % Adjusted to Book Value too high?
Woodsboro Bk MD's current ROE % Adjusted to Book Value is 19.37%. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's ROE % Adjusted to Book Value compare to FBPA and RBNK?
Woodsboro Bk MD's ROE % Adjusted to Book Value of 19.37% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Woodsboro Bk MD and its competitors. Woodsboro Bk MD's current ROE % Adjusted to Book Value is 19.37%. 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 Significantly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $85.00 — trading 31% above its estimated fair value. The current ROE % Adjusted to Book Value is 19.37%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Woodsboro Bk MD (WOBK), the current ROE % Adjusted to Book Value is 19.37% 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 $85.00 is trading 31% above its estimated GF Value™ of $64.87. GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.

Key valuation signals for WOBK:

  • ROE % Adjusted to Book Value: 19.37%
  • GF Value™: $64.87 vs. price of $85.00 (31% above fair value)
  • GF Score™: 57/100 with 4 warning signs

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 Business Description

Address 5 North Main Street, Woodsboro, MD, USA, 21798
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$85.00
Price
$64.87
GF Value