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Woodlands Financial Services Company

Woodlands Financial Services Company

WDFN
Woodlands Financial Services CompanyUS flagOther OTC
32.00
USD
- -
- -
44.78MMarket Cap
Woodlands Financial Services Company
WDFN
(Other OTC)

Recent

price

32.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2005
2006
2007
2012
2013
2014
2015
2016
2017
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.31
6.59
7.12
9.15
8.71
9.13
9.77
10.39
10.87
12.3
12.56
14.04
15.36
14.67
14.33
16.62
17.18
Revenue per Share
1.12
1.08
0.12
2.11
1.73
1.87
2.14
2.18
2.06
3.44
3.14
3.69
3.64
-2.86
2.23
3.72
4.18
Basic EPS, GAAP
1.33
1.35
1.39
3.46
2.25
-0.95
2.43
1.76
2.8
3.11
1.36
2.94
3.38
3
3.23
4.5
- -
Free Cash Flow per Basic Share
0.5
0.5
0.5
0.65
0.74
0.76
0.77
0.8
0.82
1.02
1.04
1.06
1.1
1.14
1.16
1.16
- -
Dividend per Share
8.33
8.5
8.11
13.48
14.36
15.37
16.71
18.03
19.15
23.91
26.46
30.66
34.03
30
31.04
33.55
34.43
Book Value per Share
14.08
13.79
8.3
19.62
19.61
21.45
22.7
23.78
25.13
29.7
32
33.36
26.08
23.8
25.54
30.95
31.5
Tangible Book Value per Share
1
1
1
2
2
2
2
2
2
2
2
1
1
1
1
1
1
Basic Weighted Avg Shares
8
9
10
14
13
14
15
16
17
19
19
20
21
20
20
23
24
Sales/Revenue/Turnover
21.76
19.45
-2.34
- -
25.34
26.53
29.01
28.97
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
Depreciation Expense
1
2
- -
3
3
3
3
3
3
5
5
5
5
-4
3
5
6
Net Income, GAAP
18.79
16.07
- -
24.99
21.35
22.94
24.45
27.51
35.7
17.6
18.9
14.39
13.26
- -
7.58
12.81
13.8
Effective Tax Rate (%)
17.68
16.32
1.7
23.04
19.93
20.44
21.91
21
18.97
27.93
25.04
26.29
23.68
-19.47
15.55
22.38
24.32
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
34
34
- -
11
11
11
21
15
14
12
5
4
4
24
24
10
10
LT Debt
19
20
19
29
30
33
35
37
39
46
48
48
36
33
36
43
44
Total Equity
3.65
2.89
- -
- -
6.54
6.81
6.64
6.21
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
14.2
13.21
1.46
19.85
12.52
12.61
13.36
12.58
11.1
15.97
12.38
12.57
11.1
-8.93
7.31
11.53
12.7
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
36
38
40

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
41
28
46
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.6%
-1.05%
21.38%
Free Cash Flow
-21.59%
30.6%
39.47%
Net Income, GAAP
-21.41%
-56.57%
67.21%
Sales/Revenue/Turnover
5.41%
4.33%
16.17%
Total Cash Common Dividend
3.63%
0.61%
0.19%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
5
5
5
20
2025
5
6
6
6
23
2026
6
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.47
0.66
0.75
2.23
2025
0.74
0.89
0.96
1.13
3.72
2026
1.2
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.16
2025
- -
- -
- -
- -
1.16
2026
- -
- -
- -
- -
- -
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Business
Woodlands Financial Services Company (WDFN) operates as the financial services holding company for Woodlands Bank and Woodlands Stock Corporation, providing commercial and consumer banking and trust services primarily in Lycoming and Clinton counties and surrounding areas in Pennsylvania. The company offers deposit products including checking and savings accounts, certificates of deposit, and individual retirement accounts; consumer loan products such as home, construction, bridge, and home equity loans and lines, auto loans, recreational vehicle loans, student loans, personal loans, and personal lines of credit; commercial loan products comprising real estate financing, working capital loans, equipment financing, vehicle financing, and lines of credit; credit cards; digital banking services including mobile deposit, online and mobile banking, bill pay, merchant services, fraud protection, and cyber security; and ancillary services such as notary, safe deposit boxes, wire transfers, and treasurer's checks. It also provides trust and wealth management services encompassing personal trust, asset management and custodial services, estate and financial planning, executor and estate settlement, charitable services, IRA management, institutional investment management, retirement plans, brokerage services, and college savings. Founded in 1989 and headquartered in Williamsport, Pennsylvania, the company targets individuals, small businesses, and institutional clients in its local market. In recent developments, its board declared a quarterly cash dividend of $0.29 per common share, payable on November 28, 2025, to shareholders of record on November 14, 2025, marking a continuation of consistent dividend payments; additionally, the company reported earnings for the quarter ended June 30, 2025, with diluted EPS of $0.74, net interest income of $4.02 million after provisions, total loans of $345.2 million, and stable deposits of $547.2 million, reflecting ongoing balance sheet repositioning and cost controls amid economic pressures.

Company News

APIChatGPT

  • prnewswire.com

    Woodlands Financial Services Company Announces Second Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces Fourth Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces Third Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces First Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces Fourth Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces Second Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces First Quarter Cash Dividend

  • prnewswire.com

    Woodlands Financial Services Company Announces Fourth Quarter Cash Dividend