William Penn Bancorp, Inc. operates as the holding company for William Penn Bank that provides personal and business banking products and related financial services in the United States.
The last earnings update was 158 days ago.
Discounted Cash Flow Calculation for OTCPK:WMPN using Excess Returns Model Model
The calculations below outline how an intrinsic value for William Penn Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
The current share price of
William Penn Bancorp
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
William Penn Bancorp's
is considered below, and whether this is a fair price.
Price based on past earnings
William Penn Bancorp's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as William Penn Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
William Penn Bancorp
expected to grow at an
Unable to compare William Penn Bancorp's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare William Penn Bancorp's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare William Penn Bancorp's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if William Penn Bancorp is high growth as no earnings estimate data is available.
Unable to determine if William Penn Bancorp is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access William Penn Bancorp's filings and announcements here.
William Penn Bancorp's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
William Penn Bancorp
has a total score of
3/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
William Penn Bancorp's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Kenneth J. Stephon, also known as Ken, has been the Chief Executive Officer, President and Director of William Penn Bancorp, Inc., William Penn, MHC and William Penn Bank ("Bank") since February 1, 2019, October 1, 2018 and July 1, 2018, respectively. He was Senior Executive Vice President and Chief Operating Officer following William Penn’s merger with Audubon Savings Bank on July 1, 2018. Prior to joining the Bank, At Audubon Savings, he was President, Chief Executive Officer, and Director from October 2013 until the merger with William Penn. He was Chief Executive Officer of Liberty Centre Bancorp and Liberty Savings Bank in Pottsville, PA. He served as Chief Executive Officer at Clover Bank. He serves on the Board of Directors of the Pennsylvania Association of Community Bankers and is a Director of the Insured Financial Institutions of the Delaware Valley. Mr. Stephon graduated from Trenton State College and received an MBA from Rider University.
Insufficient data for Ken to compare compensation growth.
Insufficient data for Ken to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure of the
William Penn Bancorp
management team in years:
The average tenure for the William Penn Bancorp management team is less than 2 years, this suggests a new team.
Executive VP & CFO
Senior VP & CTO
Senior VP and Chief Admin. & Risk Officer
Vice President of Human Resources
Senior Vice President of Loan Servicing Manager
Senior Vice President of Deposit Operations
Executive VP & Chief Retail and Commercial Officer
Senior VP & Controller
Board of Directors Tenure
Average tenure and age of the
William Penn Bancorp
board of directors in years:
The average tenure for the William Penn Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors
Chairman of the Board
William Blakey Parry
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
William Penn Bancorp, Inc. operates as the holding company for William Penn Bank that provides personal and business banking products and related financial services in the United States. The company offers time, savings, and demand deposits; checking and money market accounts; certificates of deposit; and retirement accounts. It also provides one-to four-family mortgage, multi-family, commercial, and other real estate mortgage loans; construction, automobile, second mortgage, home equity, and other consumer loans; small business administration loans; and CDARS. In addition, the company provides debit cards; safe deposit boxes; money orders; night depository services; notary public; wire transfers; and online and telephone banking services. It serves individuals, businesses, and government customers. The company operates through six branch offices in Levittown, Richboro, and Morrisville, Pennsylvania; and Audubon, Mount Laurel, and Pine Hill, New Jersey. William Penn Bancorp, Inc. was founded in 1870 and is based in Bristol,, Pennsylvania. William Penn Bancorp, Inc. is a subsidiary of William Penn MHC.
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