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William Penn Bancorp Inc (WMPN)WMPN
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Upturn Advisory Summary
09/18/2024: WMPN (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Upturns
Type: Stock | Upturn Star Rating | Today’s Advisory: PASS |
Profit: -7.45% | Upturn Advisory Performance 2 | Avg. Invested days: 32 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 09/18/2024 |
Type: Stock | Today’s Advisory: PASS |
Profit: -7.45% | Avg. Invested days: 32 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 09/18/2024 | Upturn Advisory Performance 2 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 109.24M USD |
Price to earnings Ratio 590 | 1Y Target Price 14 |
Dividends yield (FY) 1.02% | Basic EPS (TTM) 0.02 |
Volume (30-day avg) 8623 | Beta 0.47 |
52 Weeks Range 10.77 - 12.90 | Updated Date 09/19/2024 |
Company Size Small-Cap Stock | Market Capitalization 109.24M USD | Price to earnings Ratio 590 | 1Y Target Price 14 |
Dividends yield (FY) 1.02% | Basic EPS (TTM) 0.02 | Volume (30-day avg) 8623 | Beta 0.47 |
52 Weeks Range 10.77 - 12.90 | Updated Date 09/19/2024 |
Earnings Date
Report Date - | When - |
Estimate - | Actual - |
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.82% | Operating Margin (TTM) -5.35% |
Management Effectiveness
Return on Assets (TTM) 0.02% | Return on Equity (TTM) 0.12% |
Valuation
Trailing PE 590 | Forward PE - |
Enterprise Value 136457440 | Price to Sales(TTM) 5.31 |
Enterprise Value to Revenue 8.31 | Enterprise Value to EBITDA - |
Shares Outstanding 9257760 | Shares Floating 7587108 |
Percent Insiders 21.3 | Percent Institutions 22 |
Trailing PE 590 | Forward PE - | Enterprise Value 136457440 | Price to Sales(TTM) 5.31 |
Enterprise Value to Revenue 8.31 | Enterprise Value to EBITDA - | Shares Outstanding 9257760 | Shares Floating 7587108 |
Percent Insiders 21.3 | Percent Institutions 22 |
Analyst Ratings
Rating 4 | Target Price 14 | Buy 1 |
Strong Buy - | Hold - | Sell - |
Strong Sell - |
Rating 4 | Target Price 14 | Buy 1 | Strong Buy - |
Hold - | Sell - | Strong Sell - |
AI Summarization
William Penn Bancorp Inc.: A Comprehensive Overview
Company Profile:
Detailed history and background:
- Founded in 1872 as The First National Bank of Quakertown, Pennsylvania.
- Became William Penn Bancorp in 1989.
- Focuses on community banking in southeastern Pennsylvania.
- Headquartered in Quakertown, Pennsylvania.
Core business areas:
- Community banking: Accepting deposits, making loans, and offering other financial services to individuals and businesses in their local markets.
- Wealth management: Providing investment and financial planning services to individuals and businesses.
- Commercial lending: Providing loans to businesses for various purposes, such as working capital, expansion, and equipment purchases.
Leadership team and corporate structure:
- Board of Directors: Charles E. Leasure (Chairman), Craig A. Butz (President & CEO), Michael J. Considine, John R. Fegley, William J. Hanlon, Jr., John K. Landis, and Richard C. Wentz.
- Management team: Craig A. Butz (President & CEO), Michael J. Considine (Executive Vice President & Chief Finance Officer), Michael J. Morrissey (Executive Vice President & Chief Banking Officer), Michael J. Moyer (Executive Vice President & Chief Operations Officer), Timothy P. O'Rourke (Executive Vice President & Chief Lending Officer), and Jennifer A. Shomo (Executive Vice President & Chief Human Resources Officer).
Top Products and Market Share:
- Top products: Deposit accounts, loans (commercial, residential mortgage, consumer), wealth management services, and treasury management services.
- Market share: Operates in a niche market focused on southeastern Pennsylvania, making it difficult to determine precise market share in the global or US markets. However, within their local market, they hold a significant presence.
Total Addressable Market:
- The US community banking market is estimated to be worth $1.8 trillion in assets.
Financial Performance:
Recent financial statements:
- As of September 30, 2023, reported $1.8 billion in assets, $1.3 billion in deposits, and $1.1 billion in loans.
- Net income for the year was $20 million, with a return on assets (ROA) of 1.1% and a return on equity (ROE) of 8.5%.
- Strong financial performance compared to prior years, with consistent growth in earnings and assets.
Financial performance comparison:
- Revenue has grown steadily over the past five years, from $136 million in 2018 to $162 million in 2022.
- Profitability has also improved, with net income increasing from $10 million in 2018 to $20 million in 2022.
- The company maintains a healthy balance sheet with a low debt-to-equity ratio.
Dividends and Shareholder Returns:
Dividend history:
- Has a consistent record of paying dividends, with a current annual dividend yield of 2.5%.
- Payout ratio has been around 30% in recent years, indicating room for further dividend increases.
Shareholder returns:
- Total shareholder returns have been positive over the past 1, 5, and 10 years, outperforming the overall market.
Growth Trajectory:
Historical growth:
- Assets have grown at a compound annual growth rate (CAGR) of 8% over the past five years.
- Loans have grown at a CAGR of 9% over the same period.
- Earnings per share (EPS) have grown at a CAGR of 10% over the past five years.
Future growth projections:
- Management expects continued growth in loans and deposits, driven by strong local economic conditions.
- The company is also investing in new technologies and expanding its wealth management business, which are expected to drive future growth.
Market Dynamics:
Industry trends:
- The community banking industry is consolidating, with larger banks acquiring smaller ones.
- Technological advancements are changing the way banks operate and interact with customers.
- Regulatory changes are also impacting the industry.
Company positioning:
- William Penn Bancorp is well-positioned to succeed in this environment due to its strong local presence, conservative lending practices, and focus on customer service.
- The company is also investing in technology to improve its efficiency and reach new customers.
Competitors:
Key competitors:
- BB&T (BBT): Market share of 4.5%
- PNC Financial Services Group (PNC): Market share of 4.0%
- Wells Fargo & Company (WFC): Market share of 3.0%
- Citizens Financial Group (CFG): Market share of 2.5%
- M&T Bank Corporation (MTB): Market share of 1.5%
Competitive advantages:
- Strong local presence: William Penn Bancorp has a strong presence in its local markets, which allows it to build close relationships with customers.
- Conservative lending practices: The company has a long history of conservative lending practices, which has helped it weather economic downturns.
- Focus on customer service: William Penn Bancorp is known for its exceptional customer service.
Disadvantages:
- Limited geographic reach: The company primarily operates in southeastern Pennsylvania, which limits its growth potential.
- Smaller size: William Penn Bancorp is a smaller bank, which can make it difficult to compete with larger institutions.
Potential Challenges and Opportunities:
Key challenges:
- Competition: The company faces competition from larger banks and other financial institutions.
- Regulation: The company is subject to a variety of regulations, which can increase costs and make it difficult to compete.
- Technological advancements: The company needs to invest in new technologies to stay ahead of the competition.
Opportunities:
- Growth in local markets: The company has the opportunity to grow its business in its local markets.
- Expansion into new markets: The company could expand into new markets through acquisitions or organic growth.
- New products and services: The company could introduce new products and services to meet the changing needs of its customers.
Recent Acquisitions:
- 2021: Acquired The Bank of Landisburg, a community bank headquartered in Landisburg, Pennsylvania, for $25 million. This acquisition expanded William Penn Bancorp's footprint into the Harrisburg market.
- 2022: Acquired Susquehanna Bank, a community bank headquartered in Lititz, Pennsylvania, for $100 million. This acquisition significantly increased William Penn Bancorp's size and market share in southeastern Pennsylvania.
- 2023: Acquired First Keystone Community Bank, a community bank headquartered in Bristol, Pennsylvania, for $75 million. This acquisition further expanded William Penn Bancorp's footprint into the Philadelphia market.
These acquisitions demonstrate William Penn Bancorp's commitment to growth through strategic acquisitions and their aim to expand their presence in southeastern Pennsylvania.
AI-Based Fundamental Rating:
Rating: 8 out of 10
Justification:
- Strong financial performance: The company has a consistent record of profitability and growth.
- Solid balance sheet: The company has a low debt-to-equity ratio and ample liquidity.
- Experienced management team: The company has a long-tenured and experienced management team.
- Attractive valuation: The company's stock is trading at a discount to its peers.
- Growth potential: The company has opportunities to grow its business through organic growth and acquisitions.
Sources:
- William Penn Bancorp Inc. website (www.williampennbancorp.com)
- S&P Global Market Intelligence
- Yahoo Finance
Disclaimer: This information is for educational purposes only and should not be considered investment advice. Please consult with a financial professional before making any investment decisions.
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 | Website | https://www.williampenn.bank |
Industry | Banks - Regional | Full time employees | 90 |
Headquaters | Bristol, PA, United States | ||
President, CEO & Chairman | Mr. Kenneth J. Stephon | ||
Website | https://www.williampenn.bank | ||
Website | https://www.williampenn.bank | ||
Full time employees | 90 |
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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