WDFN'
s ROE % Range Over the Past 10 Years
Min: -11.47 Med: 9.91 Max: 14.3
Current: 14.3
During the past 13 years, Woodlands Financial Services Co's highest ROE % was 14.30%. The lowest was -11.47%. And the median was 9.91%.
WDFN's ROE % is ranked better than 76.9% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs WDFN: 14.30
Woodlands Financial Services Co (OTCPK:WDFN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Woodlands Financial Services Co ROE % Related Terms
Woodlands Financial Services Co ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's ROE % distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Woodlands Financial Services Co (WDFN) has a ROE % of 15.34% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Woodlands Financial Services Co and its competitors. This is 55% above median its historical median of 9.91. According to the industry distribution chart, Woodlands Financial Services Co ranks #352 out of 1524 companies in the Banks industry, placing it in the top 23.1%.
Is Woodlands Financial Services Co's ROE % too high?
Woodlands Financial Services Co's current ROE % of 15.34% is 55% above median its 10-year median of 9.91. The Banks industry median ROE % is 10.22. Woodlands Financial Services Co's value of 15.34% is 50.1% above this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #352 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position 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 ROE % compare to ESBS and SOUB?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #352 out of 1524 companies for ROE %. This places Woodlands Financial Services Co in the top 23% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Woodlands Financial Services Co's value of 15.34% is 50.1% above this benchmark. While the company's 10-year median is 9.91 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current ROE % of 15.34% is 50.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current ROE % is 15.34%, which is 55% above median its own 10-year median of 9.91. 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 ROE % is 15.34%, which is 55% above median its 10-year median of 9.91 and 50.1% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current ROE % is 15.34% 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:
ROE %: 15.34% (55% above median its 10-year median of 9.91)
GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
Industry Position: 50.1% above the Banks median (#352 of 1524)
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
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