Woodsboro Bank
Woodsboro Bank provides various banking products and services to communities in Frederick and surrounding counties. The company offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. It also provides personal loans, home equity lines of credit, overdraft protection lines of credit, first and second mortgages, construction loans, investment propert… Read more
Woodsboro Bank (WOBK) - Net Assets
Latest net assets as of : $- USD
Based on the latest financial reports, Woodsboro Bank (WOBK) has net assets worth $- USD as of .
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($-) and total liabilities ($-). 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 | $- |
| % of Total Assets | 0% |
| Annual Growth Rate | 0.27% |
| 5-Year Change | -7.27% |
| 10-Year Change | N/A |
| Growth Volatility | 22.85 |
Woodsboro Bank - Net Assets Trend (2019–2024)
This chart illustrates how Woodsboro Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Woodsboro Bank (2019–2024)
The table below shows the annual net assets of Woodsboro Bank from 2019 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $24.08 Million | +13.14% |
| 2023-12-31 | $21.28 Million | +29.57% |
| 2022-12-31 | $16.43 Million | -38.99% |
| 2021-12-31 | $26.92 Million | +3.68% |
| 2020-12-31 | $25.97 Million | +9.28% |
| 2019-12-31 | $23.76 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Woodsboro Bank'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 90.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $28.19 Million | 117.07% |
| Common Stock | $3.96 Million | 16.46% |
| Total Equity | $24.08 Million | 100.00% |
Woodsboro Bank Competitors by Market Cap
The table below lists competitors of Woodsboro Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SKYWORKS SOLUTIONS (AWM.SG)
STU:AWM
|
$490.50K |
|
NGS Group AB (publ)
ST:NGS
|
$490.92K |
|
Xali Gold Corp
PINK:CGDXF
|
$491.02K |
|
NEOS MSCI EAFE High Income ETF
BATS:NIHI
|
$491.12K |
|
Ristia Bintang Mahkotasejati
JK:RBMS
|
$489.82K |
|
JINGRUI HLDGS LTD DL-01
F:9JW
|
$489.68K |
|
Decker Manufacturing Corporation
PINK:DMFG
|
$488.85K |
|
MONDELEZ INT-A
HM:KTF
|
$488.71K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Woodsboro Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 21,283,619 to 24,081,090, a change of 2,797,471 (13.1%).
- Net income of 3,715,184 contributed positively to equity growth.
- Dividend payments of 119,166 reduced retained earnings.
- Other factors decreased equity by 752,648.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.72 Million | +15.43% |
| Dividends Paid | $119.17K | -0.49% |
| Other Changes | $-752.65K | -3.13% |
| Total Change | $- | 13.14% |
Book Value vs Market Value Analysis
This analysis compares Woodsboro Bank'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: 0.88x
- 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.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $58.50 | $53.00 | x |
| 2020-12-31 | $64.02 | $53.00 | x |
| 2021-12-31 | $66.51 | $53.00 | x |
| 2022-12-31 | $40.76 | $53.00 | x |
| 2023-12-31 | $53.23 | $53.00 | x |
| 2024-12-31 | $60.23 | $53.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Woodsboro Bank 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): 15.43%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.26%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 18.21x
- Recent ROE (15.43%) is above the historical average (11.55%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 5.52% | 11.79% | 0.04x | 11.14x | $-1.07 Million |
| 2020 | 5.14% | 11.42% | 0.04x | 12.38x | $-1.26 Million |
| 2021 | 8.52% | 17.70% | 0.03x | 14.09x | $-398.06K |
| 2022 | 17.44% | 19.73% | 0.04x | 24.32x | $1.22 Million |
| 2023 | 17.24% | 20.60% | 0.04x | 19.36x | $1.54 Million |
| 2024 | 15.43% | 17.26% | 0.05x | 18.21x | $1.31 Million |
Industry Comparison
This section compares Woodsboro Bank'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 |
|---|---|---|---|---|
| Woodsboro Bank (WOBK) | $- | 5.52% | N/A | $489.93K |
| 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 |