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Woodlands Financial Services CoWDFN 57 Shiller PE Ratio is 12.32 as of Sep. 05, 2026, which is 9% above its 10-year median of 11.31. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $26.25 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,237 Banks companies, Woodlands Financial Services Co ranks better than 61.6% on this metric.
The historical rank and industry rank for Woodlands Financial Services Co's Shiller PE Ratio or its related term are showing as below:
WDFN'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.21 Med: 11.31 Max: 17.59
Current: 12.33
During the past years, Woodlands Financial Services Co's highest Shiller PE Ratio was 17.59. The lowest was 6.21. And the median was 11.31.
WDFN's Shiller PE Ratio is ranked better than 61.6% of 1237
companies
in the Banks industry
Industry Median: 13.88
vs WDFN: 12.33
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Woodlands Financial Services Co's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.360. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.98 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Woodlands Financial Services Co (OTCPK:WDFN) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Woodlands Financial Services Co Shiller PE Ratio Related Terms
Woodlands Financial Services Co Shiller PE Ratio 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.
Woodlands Financial Services Co Shiller PE Ratio Chart
WDFN vs SSBP, ESBS, SCYT: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Shiller PE Ratio falls into.
Woodlands Financial Services Co Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Woodlands Financial Services Co (WDFN) has a Shiller PE Ratio of 12.32 as of Sep. 05, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Woodlands Financial Services Co and its competitors. This is near median its historical median of 11.31. Over the past decade, Woodlands Financial Services Co's Shiller PE Ratio has ranged from 6.21 to 17.59. According to the industry distribution chart, Woodlands Financial Services Co ranks #475 out of 1237 companies in the Banks industry, placing it in the top 38.4%.
Is Woodlands Financial Services Co's Shiller PE Ratio too high?
Woodlands Financial Services Co's current Shiller PE Ratio of 12.32 is near median its 10-year median of 11.31. Over the past 10 years, this metric has ranged from a low of 6.21 to a high of 17.59. The Banks industry median Shiller PE Ratio is 13.88. Woodlands Financial Services Co's value of 12.32 is 11.2% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #475 out of 1237 companies in the Banks industry, which is above the industry midpoint. Overall, Woodlands Financial Services Co has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's Shiller PE Ratio compare to SSBP and ESBS?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #475 out of 1237 companies for Shiller PE Ratio. This puts Woodlands Financial Services Co in the upper half of its industry. The industry median Shiller PE Ratio is 13.88. Woodlands Financial Services Co's value of 12.32 is 11.2% below this benchmark. Historically, Woodlands Financial Services Co's own Shiller PE Ratio has ranged from 6.21 to 17.59 over the past decade. While the company's 10-year median is 11.31 vs. the industry median of 13.88, Woodlands Financial Services Co has consistently been below 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.88, based on 1,237 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current Shiller PE Ratio of 12.32 is 11.2% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current Shiller PE Ratio is 12.32, which is near median its own 10-year median of 11.31. 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 $26.25, compared to a current price of $36.72 — trading 39.9% above its estimated fair value. The current Shiller PE Ratio is 12.32, which is near median its 10-year median of 11.31 and 11.2% below the Banks industry median of 13.88. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Shiller PE Ratio is 12.32 as of Sep. 05, 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 $36.72 is trading 39.9% above its estimated GF Value™ of $26.25.
GuruFocus considers Woodlands Financial Services Co to be Significantly Overvalued.
Key valuation signals for WDFN:
Shiller PE Ratio: 12.32 (near median its 10-year median of 11.31)
GF Value™: $26.25 vs. price of $36.72 (39.9% above fair value)
Industry Position: 11.2% below the Banks median (#475 of 1237)
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 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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