WOBK (Woodsboro Bk MD) Asset Turnover: 0.04 (As of Dec. 2025)


WOBK Woodsboro Bk MD WOBK
57 GF Score
Price $82.00
GF Value $64.87
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Woodsboro Bk MD Asset Turnover?

Woodsboro Bk MD WOBK 57 Asset Turnover is 0.04 as of Dec. 2025. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. Woodsboro Bk MD's Revenue for the six months ended in Dec. 2025 was $18.69 Mil. Woodsboro Bk MD's Total Assets for the quarter that ended in Dec. 2025 was $447.03 Mil. Therefore, Woodsboro Bk MD's Asset Turnover for the quarter that ended in Dec. 2025 was 0.04.

Asset Turnover is linked to ROE % through Du Pont Formula. Woodsboro Bk MD's annualized ROE % for the quarter that ended in Dec. 2025 was 31.37%. It is also linked to ROA % through Du Pont Formula. Woodsboro Bk MD's annualized ROA % for the quarter that ended in Dec. 2025 was 1.97%.

Woodsboro Bk MD  (OTCPK:WOBK) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

Woodsboro Bk MD's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=8.788/28.013
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(8.788 / 37.384)*(37.384 / 447.0325)*(447.0325/ 28.013)
=Net Margin %*Asset Turnover*Equity Multiplier
=23.51 %*0.0836*15.958
=ROA %*Equity Multiplier
=1.97 %*15.958
=31.37 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

Woodsboro Bk MD's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=8.788/447.0325
=(Net Income / Revenue)*(Revenue / Total Assets)
=(8.788 / 37.384)*(37.384 / 447.0325)
=Net Margin %*Asset Turnover
=23.51 %*0.0836
=1.97 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.

Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.

Woodsboro Bk MD Asset Turnover Related Terms

Woodsboro Bk MD Asset Turnover Historical Data

* Premium members only.

The historical data trend for Woodsboro Bk MD's Asset Turnover 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 Asset Turnover Chart

Woodsboro Bk MD Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
Get a 7-Day Free Trial 0.04 0.04 0.04 0.04 0.04

Woodsboro Bk MD Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover Get a 7-Day Free Trial 0.04 0.04 0.04 0.04 0.04

WOBK vs FBPA, PWBK, RBNK: Asset Turnover Comparison

For the Banks - Regional subindustry, Woodsboro Bk MD's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover vs Banks Industry

For the Banks industry and Financial Services sector, Woodsboro Bk MD's Asset Turnover distribution charts can be found below:

* The bar in red indicates where Woodsboro Bk MD's Asset Turnover falls into.


WOBK
57GF Score
Woodsboro Bk MD WOBK
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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Woodsboro Bk MD Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

Woodsboro Bk MD's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=18.692/( (438.479+455.586)/ 2 )
=18.692/447.0325
=0.04

Woodsboro Bk MD's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=18.692/( (438.479+455.586)/ 2 )
=18.692/447.0325
=0.04

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.04 mean?
Woodsboro Bk MD (WOBK) has a Asset Turnover of 0.04 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Woodsboro Bk MD and its competitors.
Is Woodsboro Bk MD's Asset Turnover too high?
Woodsboro Bk MD's current Asset Turnover is 0.04. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Asset Turnover compare to FBPA and PWBK?
Woodsboro Bk MD's Asset Turnover of 0.04 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 Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Woodsboro Bk MD and its competitors. Woodsboro Bk MD's current Asset Turnover is 0.04. 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 Modestly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $82.00 — trading 26.4% above its estimated fair value. The current Asset Turnover is 0.04. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For Woodsboro Bk MD (WOBK), the current Asset Turnover is 0.04 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 $82.00 is trading 26.4% above its estimated GF Value™ of $64.87. GuruFocus considers Woodsboro Bk MD to be Modestly Overvalued.

Key valuation signals for WOBK:

  • Asset Turnover: 0.04
  • GF Value™: $64.87 vs. price of $82.00 (26.4% 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

Get the complete analysis for WOBK

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

$82.00
Price
$64.87
GF Value