William Penn Bancorp Inc
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 ret… Read more
William Penn Bancorp Inc (WMPN) - Net Assets
Latest net assets as of December 2024: $124.20 Million USD
Based on the latest financial reports, William Penn Bancorp Inc (WMPN) has net assets worth $124.20 Million USD as of December 2024.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($796.43 Million) and total liabilities ($672.23 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $124.20 Million |
| % of Total Assets | 15.59% |
| Annual Growth Rate | 7.65% |
| 5-Year Change | 29.3% |
| 10-Year Change | 110.3% |
| Growth Volatility | 29.78 |
William Penn Bancorp Inc - Net Assets Trend (2005–2024)
This chart illustrates how William Penn Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for William Penn Bancorp Inc (2005–2024)
The table below shows the annual net assets of William Penn Bancorp Inc from 2005 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-06-30 | $124.60 Million | -22.49% |
| 2023-06-30 | $160.75 Million | -16.42% |
| 2022-06-30 | $192.33 Million | -11.34% |
| 2021-06-30 | $216.93 Million | +125.11% |
| 2020-06-30 | $96.36 Million | +25.75% |
| 2019-06-30 | $76.63 Million | +23.81% |
| 2018-06-30 | $61.90 Million | +0.47% |
| 2017-06-30 | $61.60 Million | +2.84% |
| 2016-06-30 | $59.90 Million | +1.10% |
| 2015-06-30 | $59.25 Million | -2.00% |
| 2014-06-30 | $60.46 Million | +3.50% |
| 2013-06-30 | $58.41 Million | +3.46% |
| 2012-06-30 | $56.46 Million | +4.22% |
| 2011-06-30 | $54.17 Million | +5.79% |
| 2010-06-30 | $51.21 Million | +9.17% |
| 2009-06-30 | $46.91 Million | +6.25% |
| 2008-06-30 | $44.15 Million | +29.62% |
| 2007-06-30 | $34.06 Million | +3.12% |
| 2006-06-30 | $33.03 Million | +7.57% |
| 2005-06-30 | $30.70 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to William Penn Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5758700000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $57.59 Million | 46.22% |
| Common Stock | $93.00K | 0.07% |
| Other Comprehensive Income | $-30.80 Million | -24.72% |
| Other Components | $97.72 Million | 78.43% |
| Total Equity | $124.60 Million | 100.00% |
William Penn Bancorp Inc Competitors by Market Cap
The table below lists competitors of William Penn Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
WonderFi Technologies Inc
OTCQB:WONDF
|
$90.31 Million |
|
Doro AB (publ)
F:DR8A
|
$90.34 Million |
|
Golden Matrix Group Inc
NASDAQ:GMGI
|
$90.34 Million |
|
BNCCorp Inc
OTCQX:BNCC
|
$90.37 Million |
|
Cambi ASA
OL:CAMBI
|
$90.30 Million |
|
AnaPass Inc
KQ:123860
|
$90.22 Million |
|
Lyko Group A
ST:LYKO-A
|
$90.20 Million |
|
Seah Holdings
KO:058650
|
$90.17 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in William Penn Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 160,745,000 to 124,601,000, a change of -36,144,000 (-22.5%).
- Net income of 168,000 contributed positively to equity growth.
- Dividend payments of 1,160,000 reduced retained earnings.
- Share repurchases of 38,659,000 reduced equity.
- Other comprehensive income decreased equity by 7,424,000.
- Other factors increased equity by 10,931,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $168.00K | +0.13% |
| Dividends Paid | $1.16 Million | -0.93% |
| Share Repurchases | $38.66 Million | -31.03% |
| Other Comprehensive Income | $-7.42 Million | -5.96% |
| Other Changes | $10.93 Million | +8.77% |
| Total Change | $- | -22.49% |
Book Value vs Market Value Analysis
This analysis compares William Penn Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.90x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.46x to 0.90x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-06-30 | $8.43 | $12.32 | x |
| 2006-06-30 | $9.07 | $12.32 | x |
| 2007-06-30 | $9.35 | $12.32 | x |
| 2008-06-30 | $12.41 | $12.32 | x |
| 2009-06-30 | $13.17 | $12.32 | x |
| 2010-06-30 | $14.34 | $12.32 | x |
| 2011-06-30 | $15.13 | $12.32 | x |
| 2014-06-30 | $5.14 | $12.32 | x |
| 2015-06-30 | $5.11 | $12.32 | x |
| 2016-06-30 | $5.28 | $12.32 | x |
| 2017-06-30 | $17.80 | $12.32 | x |
| 2018-06-30 | $17.87 | $12.32 | x |
| 2019-06-30 | $19.26 | $12.32 | x |
| 2020-06-30 | $7.28 | $12.32 | x |
| 2021-06-30 | $14.92 | $12.32 | x |
| 2022-06-30 | $13.49 | $12.32 | x |
| 2023-06-30 | $12.66 | $12.32 | x |
| 2024-06-30 | $13.73 | $12.32 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently William Penn Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.13%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.84%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 6.57x
- Recent ROE (0.13%) is below the historical average (3.86%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 7.37% | 943.33% | 0.00x | 8.51x | $-806.40K |
| 2006 | 5.95% | 33.01% | 0.02x | 7.94x | $-1.34 Million |
| 2007 | 4.58% | 368.79% | 0.00x | 7.89x | $-1.85 Million |
| 2008 | 0.62% | 4.20% | 0.02x | 6.39x | $-4.14 Million |
| 2009 | 5.63% | 30.46% | 0.03x | 6.57x | $-2.05 Million |
| 2010 | 6.61% | 35.03% | 0.03x | 6.37x | $-1.73 Million |
| 2011 | 5.41% | 28.82% | 0.03x | 6.08x | $-2.49 Million |
| 2012 | 4.75% | 18.29% | 0.05x | 5.61x | $-2.96 Million |
| 2013 | 4.61% | 19.66% | 0.04x | 5.41x | $-3.15 Million |
| 2014 | 4.74% | 32.50% | 0.03x | 5.20x | $-3.18 Million |
| 2015 | 4.23% | 27.55% | 0.03x | 5.39x | $-3.42 Million |
| 2016 | 4.06% | 25.86% | 0.03x | 5.24x | $-3.56 Million |
| 2017 | 4.16% | 28.15% | 0.03x | 5.13x | $-3.60 Million |
| 2018 | 2.37% | 15.20% | 0.03x | 4.86x | $-4.73 Million |
| 2019 | 4.90% | 24.46% | 0.04x | 5.43x | $-3.91 Million |
| 2020 | 1.38% | 8.19% | 0.02x | 7.64x | $-8.31 Million |
| 2021 | 1.74% | 16.18% | 0.03x | 3.79x | $-17.91 Million |
| 2022 | 2.20% | 16.90% | 0.03x | 4.58x | $-15.00 Million |
| 2023 | 1.74% | 11.38% | 0.03x | 5.27x | $-13.27 Million |
| 2024 | 0.13% | 0.84% | 0.02x | 6.57x | $-12.29 Million |
Industry Comparison
This section compares William Penn Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| William Penn Bancorp Inc (WMPN) | $124.20 Million | 7.37% | 5.41x | $90.31 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |