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About The Company

CEO

Mr. Kenneth J. Stephon

Market Cap

166.47 Million USD

Sector

Financial Services

Website

https://www.williampenn.bank

Description

William Penn Bancorporation operates as the holding company for William Penn Bank that provides retail and commercial banking products and related financial services in the United States.

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Overview

Value

24

Growth

78

Health

63

Management

53

Analyst Opinion

86

Total

61

All Scores Out Of 100

Best Features

  • Very strong cashflow and earnings growth
  • Has a low level of debt
  • Has strong financial health
  • Liked by analysts
  • Has strong dividend growth

Risk Factors

  • Earnings growth has slowed down recently
  • There is a history of diluting shareholders
  • Price-to-earnings ratio of 39.5 is higher than the market average (19.6x)
  • Very safe dividend

Market Peers

WMPN

Key Figures

PE Ratio (TTM)

39.55

Margin Of Safety (DCF)

13.51%

Revenue Growth (5 Year Average)

20.81%

Ratings Consensus

Strong Buy

Share Buybacks

-43.12%

Dividend Yeild (TTM)

0.85%

Valuation

Value Score

24

  • Estimated intrinsic-value of 13.42 USD is higher than current price ( 11.77 USD)
  • Price-to-earnings ratio of 39.5 is higher than the market average (19.6x)
  • Free-cashflow-yeild of 2.95% is worse than the market average (4.7%)
  • Margin-of-safety of 13.51% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 13.2 USD

Current Price: 11.8 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

39.55x

Free Cashflow Yeild

2.95%

PE/Earnings Growth

0.60

Price/Book

0.93x

Growth

Growth Score

78

  • 5 Year Average Revenue growth of 20.81% is higher than the market average (10.97%)
  • 5 Year Average Earnings growth of 24.74% is higher than the market average (14.48%)
  • 5 Year Average Cashflow growth of 19.15% is higher than the market average (12.35%)
  • Revenue growth has slowed this year
  • Earnings growth has slowed this year
  • Free Cashflow growth has slowed this year

Revenue Growth

20.81%

Earnings Growth

24.74%

Cashflow Growth

19.15%

Health

Health Score

63

  • Has a low level of debt
  • Assets cover liabilities
  • Low financial Leverage
  • Normal operation does not require debt to be sustainable
  • Debt repayments significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

0.37x

Current Assets/Liabilities

99.70x

Free Cashflow/Total Debt

0.06x

Debt/Capital

0.13x

Dividend

Secure Dividend Score

85

  • Very safe
  • Payout ratio (TTM) of 35.49% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Dividend growth has been accelerating recently
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend yeild of 0.85% is less than the market average (1.85%)
  • Long term dividend payout ratio of 85.61% is high and may limit growth

Dividend Yeild

0.85%

Dividend Growth

24.93%

Payout Ratio (Earnings)

35.49%

Payout Ratio (Cashflow)

28.74%

Management

Management Score

53

  • Has issued new shares to finance growth when share price is high
  • Has returned higher dividends when earnings have risen
  • Return-on-capital-employed of 1.10% is lower than the market average (10%)
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 3.16% is lower than the market average (15%)

Average Buybacks/Dilution

-43.12%

Recent Buybacks/Dilution

-2.69%

5 Year Price Volitility

41.98%

Return On Assets

0.69%

Return On Capital Employed

1.10%

Return On Equity

3.16%

Return On Free Cashflow

20971.10%

Return On Investments

1.29%

Analysts

Analyst Opinion

86

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

William Penn Bancorporation

Currency

USD

Beta

0.551796

Vol Avg

25173

Ceo

Mr. Kenneth J. Stephon

Cik

0001828376

Cusip

96927A105

Exchange

NASDAQ Capital Market

Full Time Employees

112

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

2021-03-25

Address

10 Canal Street

City

Bristol

State

PA

Country

US

Zip

19007

Phone

267 540 8500

All financial data provided by FMP

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