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Upturn AI SWOT - About
WMPN 
William Penn Bancorp Inc (WMPN)
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Upturn Advisory Summary
04/07/2025: WMPN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.41% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 94.20M USD | Price to earnings Ratio - | 1Y Target Price 14 |
Price to earnings Ratio - | 1Y Target Price 14 | ||
Volume (30-day avg) 16265 | Beta 0.18 | 52 Weeks Range 9.75 - 13.84 | Updated Date 04/11/2025 |
52 Weeks Range 9.75 - 13.84 | Updated Date 04/11/2025 | ||
Dividends yield (FY) 1.17% | Basic EPS (TTM) -0.12 |
Earnings Date
Report Date 2025-04-15 | When Before Market | Estimate -0.05 | Actual - |
Profitability
Profit Margin -5.06% | Operating Margin (TTM) -7.97% |
Management Effectiveness
Return on Assets (TTM) -0.13% | Return on Equity (TTM) -0.82% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 105382056 | Price to Sales(TTM) 4.63 |
Enterprise Value 105382056 | Price to Sales(TTM) 4.63 | ||
Enterprise Value to Revenue 6.91 | Enterprise Value to EBITDA - | Shares Outstanding 9208220 | Shares Floating 7324002 |
Shares Outstanding 9208220 | Shares Floating 7324002 | ||
Percent Insiders 20.37 | Percent Institutions 31.44 |
Analyst Ratings
Rating - | Target Price 14 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
William Penn Bancorp Inc
Company Overview
History and Background
William Penn Bancorp, Inc. (WMPN) is a bank holding company. The company was founded in 1889 and is headquartered in Bristol, Pennsylvania. It operates primarily in the Pennsylvania and New Jersey regions.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals, small businesses, and other organizations within its service area, including deposit accounts, loans, and other financial products.
- Commercial Lending: Offers commercial real estate loans, business loans, and other credit products to support local businesses and economic development.
- Residential Mortgage Lending: Provides mortgage loans to individuals for the purchase, refinance, or construction of residential properties.
Leadership and Structure
William Penn Bancorp is led by its Board of Directors and executive management team. The structure consists of various departments including lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is difficult to pinpoint directly for WMPN only; varies depending on market location but its market share is very small compared to national banks. Competitors include large national banks and other regional community banks.
- Commercial Real Estate Loans: Loans for commercial properties. Market share data is difficult to pinpoint directly for WMPN only; varies depending on market location. Competitors include large national banks and other regional community banks.
- Residential Mortgages: Home loans for purchase and refinance. Market share data is difficult to pinpoint directly for WMPN only; varies depending on market location. Competitors include large national banks and other regional community banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to various regulatory requirements and economic conditions. Community banks face pressure from larger institutions and fintech companies.
Positioning
William Penn Bancorp is positioned as a community bank, focusing on relationship banking and local market knowledge. Its competitive advantages lie in its personalized service and understanding of the local economy.
Total Addressable Market (TAM)
The total addressable market for community banking is substantial, estimated in the trillions of dollars nationally. WMPN has a very small position in this TAM, focused on its regional markets.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking
- Community involvement
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower technology spend compared to larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growing demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- BANC
- TFSL
- CASH
Competitive Landscape
William Penn Bancorp competes with larger national and regional banks, as well as other community banks. Its advantages lie in its local market knowledge and relationship banking approach. Disadvantages include limited resources compared to larger competitors.
Major Acquisitions
Beneficial Bancorp, Inc.
- Year: 2019
- Acquisition Price (USD millions): 374
- Strategic Rationale: Expanded William Penn Bancorp's market presence in the Philadelphia region.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be driven by expansion into new markets and increased adoption of digital banking.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
William Penn Bancorp is a small community bank with a strong local presence. It benefits from relationship-focused banking and community involvement. However, it faces challenges from larger competitors and the need to invest in technology. Future growth relies on strategic expansion and adapting to the changing banking landscape.
Similar Companies
BANC
Banc of California, Inc.
BANC
Banc of California, Inc.
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
TFSL
TFS Financial Corporation
TFSL
TFS Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- AI Analysis
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary. Financial data is based on publicly available information and AI analysis and should be independently verified. Actual results may differ materially from projections.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About William Penn Bancorp Inc
Exchange NASDAQ | Headquaters Bristol, PA, United States | ||
IPO Launch date 2008-04-16 | President, CEO & Chairman Mr. Kenneth J. Stephon | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 90 | Website https://www.williampenn.bank |
Full time employees 90 | Website https://www.williampenn.bank | ||
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. The company offers time, savings, money market, and demand deposits; certificates of deposit; and non-interest bearing and interest-bearing checking, as well as money market, savings and club, and individual retirement accounts. It also provides one- to four-family residential and investor commercial real estate, commercial non-residential real estate, multi-family residential, residential and commercial construction, commercial business and consumer, and land loans, as well as home equity loans and lines of credit, and commercial and mortgage loans; and invests in a portfolio of mortgage-backed securities. The company serves individuals, businesses, and government customers. It offers its services through full-service branch offices in Bucks and Philadelphia Counties in Pennsylvania; and Burlington, Camden, and Mercer Counties in New Jersey. William Penn Bancorporation was founded in 1870 and is headquartered in Bristol, Pennsylvania.
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