Woodlands Financial Services CoWDFN 57 5-Year Yield-on-Cost % is 4.11 as of Jul. 08, 2026, which is 8% above its 10-year median of 3.80. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.93 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,254 Banks companies, Woodlands Financial Services Co ranks better than 54.07% on this metric.
The historical rank and industry rank for Woodlands Financial Services Co's 5-Year Yield-on-Cost % or its related term are showing as below:
WDFN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.02 Med: 3.8 Max: 7.93
Current: 4.11
During the past 13 years, Woodlands Financial Services Co's highest Yield on Cost was 7.93. The lowest was 1.02. And the median was 3.80.
WDFN's 5-Year Yield-on-Cost % is ranked better than 54.07% of 1254
companies
in the Banks industry
Industry Median: 3.905
vs WDFN: 4.11
Woodlands Financial Services Co (OTCPK:WDFN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Woodlands Financial Services Co 5-Year Yield-on-Cost % Related Terms
WDFN vs LUMB, UNBK, MBBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's 5-Year Yield-on-Cost % falls into.
Woodlands Financial Services Co 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Woodlands Financial Services Co (WDFN) has a 5-Year Yield-on-Cost % of 4.11 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Woodlands Financial Services Co and its competitors. This is near median its historical median of 3.80. Over the past decade, Woodlands Financial Services Co's 5-Year Yield-on-Cost % has ranged from 1.02 to 7.93. According to the industry distribution chart, Woodlands Financial Services Co ranks #576 out of 1254 companies in the Banks industry, placing it in the top 45.9%.
Is Woodlands Financial Services Co's 5-Year Yield-on-Cost % too high?
Woodlands Financial Services Co's current 5-Year Yield-on-Cost % of 4.11 is near median its 10-year median of 3.80. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 7.93. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Woodlands Financial Services Co's value of 4.11 is 5.2% above this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #576 out of 1254 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's 5-Year Yield-on-Cost % compare to LUMB and UNBK?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #576 out of 1254 companies for 5-Year Yield-on-Cost %. This puts Woodlands Financial Services Co in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Woodlands Financial Services Co's value of 4.11 is 5.2% above this benchmark. Historically, Woodlands Financial Services Co's own 5-Year Yield-on-Cost % has ranged from 1.02 to 7.93 over the past decade. While the company's 10-year median is 3.80 vs. the industry median of 3.91, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Woodlands Financial Services Co's current 5-Year Yield-on-Cost % of 4.11 is 5.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Woodlands Financial Services Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodlands Financial Services Co's current 5-Year Yield-on-Cost % is 4.11, which is near median its own 10-year median of 3.80. 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 $24.93, compared to a current price of $32.00 — trading 28.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.11, which is near median its 10-year median of 3.80 and 5.2% above the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Woodlands Financial Services Co (WDFN), the current 5-Year Yield-on-Cost % is 4.11 as of Jul. 08, 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 28.4% above its estimated GF Value™ of $24.93.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
5-Year Yield-on-Cost %: 4.11 (near median its 10-year median of 3.80)
GF Value™: $24.93 vs. price of $32.00 (28.4% above fair value)
Industry Position: 5.2% above the Banks median (#576 of 1254)
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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