WDFN (Woodlands Financial Services Co) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)


WDFN Woodlands Financial Services Co WDFN
57 GF Score
Price $32.00
GF Value $24.91
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Woodlands Financial Services Co Scaled Net Operating Assets?

Woodlands Financial Services Co WDFN -3.03% 57 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.91 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Woodlands Financial Services Co's operating assets for the quarter that ended in Mar. 2026 was $587.05 Mil. Woodlands Financial Services Co's operating liabilities for the quarter that ended in Mar. 2026 was $579.23 Mil. Woodlands Financial Services Co's Total Assets for the quarter that ended in Dec. 2025 was $615.81 Mil. Therefore, Woodlands Financial Services Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

WDFN
57GF Score
Woodlands Financial Services Co WDFN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Woodlands Financial Services Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Woodlands Financial Services Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(588.132-562.539)/600.917
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=615.814 - 27.682
=588.132

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=572.539 - 10 - 0
=562.539

Woodlands Financial Services Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(587.052-579.232)/615.814
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=633.308 - 46.256
=587.052

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=589.232 - 10 - 0
=579.232

* 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 Scaled Net Operating Assets of 0.01 mean?
Woodlands Financial Services Co (WDFN) has a Scaled Net Operating Assets of 0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Woodlands Financial Services Co and its competitors.
Is Woodlands Financial Services Co's Scaled Net Operating Assets too high?
Woodlands Financial Services Co's current Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets compare to ESBS and SOUB?
Woodlands Financial Services Co's Scaled Net Operating Assets of 0.01 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Woodlands Financial Services Co and its competitors. Woodlands Financial Services Co's current Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current Scaled Net Operating Assets is 0.01 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:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $24.91 vs. price of $32.00 (28.5% 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

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$32.00
Price
$24.91
GF Value