Woodlands Financial Services Co
Woodlands Financial Services Company operates as the financial services holding company for Woodlands Bank and Woodlands Stock Corporation that provides commercial and consumer banking, and trust services in Lycoming and Clinton counties in Pennsylvania. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts. It also offers loan products com… Read more
Woodlands Financial Services Co (WDFN) - Net Assets
Latest net assets as of December 2025: $43.27 Million USD
Based on the latest financial reports, Woodlands Financial Services Co (WDFN) has net assets worth $43.27 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($615.81 Million) and total liabilities ($572.54 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 | $43.27 Million |
| % of Total Assets | 7.03% |
| Annual Growth Rate | 5.53% |
| 5-Year Change | -9.25% |
| 10-Year Change | 18.33% |
| Growth Volatility | 15.8 |
Woodlands Financial Services Co - Net Assets Trend (2002–2025)
This chart illustrates how Woodlands Financial Services Co's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Woodlands Financial Services Co (2002–2025)
The table below shows the annual net assets of Woodlands Financial Services Co from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $43.27 Million | +21.38% |
| 2024-12-31 | $35.65 Million | +7.49% |
| 2023-12-31 | $33.17 Million | -8.64% |
| 2022-12-31 | $36.31 Million | -23.86% |
| 2021-12-31 | $47.69 Million | -1.62% |
| 2020-12-31 | $48.47 Million | +5.82% |
| 2019-12-31 | $45.80 Million | +11.92% |
| 2018-12-31 | $40.92 Million | +5.78% |
| 2017-12-31 | $38.69 Million | +5.79% |
| 2016-12-31 | $36.57 Million | +5.16% |
| 2015-12-31 | $34.78 Million | +6.09% |
| 2014-12-31 | $32.78 Million | +10.30% |
| 2013-12-31 | $29.72 Million | +0.92% |
| 2012-12-31 | $29.45 Million | +56.54% |
| 2007-12-31 | $18.81 Million | -4.77% |
| 2006-12-31 | $19.75 Million | +4.67% |
| 2005-12-31 | $18.87 Million | +31.19% |
| 2004-12-31 | $14.38 Million | +4.46% |
| 2003-12-31 | $13.77 Million | +9.68% |
| 2002-12-31 | $12.55 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Woodlands Financial Services Co'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 647.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $39.14 Million | 90.45% |
| Common Stock | $7.77 Million | 17.95% |
| Other Comprehensive Income | $-7.44 Million | -17.19% |
| Other Components | $3.80 Million | 8.79% |
| Total Equity | $43.27 Million | 100.00% |
Woodlands Financial Services Co Competitors by Market Cap
The table below lists competitors of Woodlands Financial Services Co ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sinsin Pharmaceutical Co. Ltd
KQ:002800
|
$27.85 Million |
|
MAISON POMMERY & ASSOCIES
PA:POMRY
|
$27.86 Million |
|
Igarashi Motors India Limited
NSE:IGARASHI
|
$27.86 Million |
|
Acrivon Therapeutics, Inc. Common Stock
NASDAQ:ACRV
|
$27.87 Million |
|
Arich Enterprise Co Ltd
TWO:4173
|
$27.84 Million |
|
ROKISKIO SURIS PC EO 029
F:YTV
|
$27.83 Million |
|
BOCOM International Holdings Company Limited
F:597
|
$27.82 Million |
|
Notion Vtec Bhd
KLSE:0083
|
$27.81 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Woodlands Financial Services Co's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 35,652,000 to 43,275,000, a change of 7,623,000 (21.4%).
- Net income of 5,202,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 4,001,000.
- Other factors decreased equity by 1,580,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $5.20 Million | +12.02% |
| Other Comprehensive Income | $4.00 Million | +9.25% |
| Other Changes | $-1.58 Million | -3.65% |
| Total Change | $- | 21.38% |
Book Value vs Market Value Analysis
This analysis compares Woodlands Financial Services Co'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: 0.68x
- 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 1.99x to 0.68x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $10.58 | $21.00 | x |
| 2003-12-31 | $11.59 | $21.00 | x |
| 2004-12-31 | $12.09 | $21.00 | x |
| 2005-12-31 | $14.08 | $21.00 | x |
| 2006-12-31 | $13.79 | $21.00 | x |
| 2007-12-31 | $13.11 | $21.00 | x |
| 2012-12-31 | $19.62 | $21.00 | x |
| 2013-12-31 | $19.61 | $21.00 | x |
| 2014-12-31 | $21.45 | $21.00 | x |
| 2015-12-31 | $22.70 | $21.00 | x |
| 2016-12-31 | $23.78 | $21.00 | x |
| 2017-12-31 | $25.13 | $21.00 | x |
| 2018-12-31 | $26.54 | $21.00 | x |
| 2019-12-31 | $29.69 | $21.00 | x |
| 2020-12-31 | $32.00 | $21.00 | x |
| 2021-12-31 | $33.36 | $21.00 | x |
| 2022-12-31 | $26.08 | $21.00 | x |
| 2023-12-31 | $23.80 | $21.00 | x |
| 2024-12-31 | $25.54 | $21.00 | x |
| 2025-12-31 | $30.93 | $21.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Woodlands Financial Services Co 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): 12.02%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.54%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 14.23x
- Recent ROE (12.02%) is above the historical average (8.47%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 10.30% | 14.21% | 0.06x | 12.04x | $37.31K |
| 2003 | 9.03% | 13.94% | 0.06x | 11.69x | $-133.06K |
| 2004 | 9.93% | 14.88% | 0.05x | 12.20x | $-9.89K |
| 2005 | 7.93% | 12.31% | 0.06x | 10.67x | $-390.56K |
| 2006 | 7.80% | 9.99% | 0.07x | 11.87x | $-434.37K |
| 2007 | 0.93% | 0.98% | 0.07x | 13.26x | $-1.71 Million |
| 2012 | 10.74% | 19.75% | 0.05x | 10.92x | $218.20K |
| 2013 | 8.85% | 17.32% | 0.05x | 11.18x | $-341.90K |
| 2014 | 8.70% | 18.17% | 0.04x | 11.11x | $-425.90K |
| 2015 | 9.43% | 19.71% | 0.04x | 10.79x | $-199.60K |
| 2016 | 9.17% | 18.97% | 0.05x | 10.70x | $-303.00K |
| 2017 | 8.20% | 17.25% | 0.05x | 10.25x | $-694.80K |
| 2018 | 13.34% | 25.74% | 0.05x | 10.13x | $1.37 Million |
| 2019 | 11.57% | 24.13% | 0.05x | 9.08x | $717.60K |
| 2020 | 9.83% | 22.50% | 0.04x | 10.37x | $-82.90K |
| 2021 | 11.06% | 24.39% | 0.04x | 12.02x | $506.50K |
| 2022 | 13.94% | 21.00% | 0.04x | 16.83x | $1.43 Million |
| 2023 | -12.01% | -13.48% | 0.05x | 18.47x | $-7.30 Million |
| 2024 | 8.73% | 9.72% | 0.05x | 16.86x | $-454.20K |
| 2025 | 12.02% | 15.54% | 0.05x | 14.23x | $874.50K |
Industry Comparison
This section compares Woodlands Financial Services Co'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 |
|---|---|---|---|---|
| Woodlands Financial Services Co (WDFN) | $43.27 Million | 10.30% | 13.23x | $27.84 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 |