William Penn Bancorp (WMPN) AI Stock Analysis

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William Penn Bancorp

(NASDAQ:WMPN)

Rating:53Neutral

Price Target:―

William Penn Bancorp's stock is rated at 53, driven primarily by financial performance challenges with declining revenues, negative cash flows, and profitability issues. Technical analysis indicates short-term strength but longer-term weakness, while valuation remains unattractive due to a negative P/E ratio and low dividend yield. Without earnings call or corporate event impacts, the stock's outlook is cautious.

William Penn Bancorp (WMPN) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$113.45M

Dividend Yield0.97%

Average Volume (3M)19.29K

Price to Earnings (P/E)―

Beta (1Y)0.52

Revenue Growth2.25%

EPS Growth-261.40%

CountryUS

Employees90

SectorFinancial

Sector Strength82

IndustryBanks - Regional

Share Statistics

EPS (TTM)-0.13

Shares Outstanding9,208,000

10 Day Avg. Volume7,886

30 Day Avg. Volume19,286

Financial Highlights & Ratios

PEG Ratio0.03

Price to Book (P/B)0.81

Price to Sales (P/S)0.00

P/FCF Ratio-65.77

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

$14.00

Price Target Upside13.64% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering0

William Penn Bancorp Business Overview & Revenue Model

Company DescriptionWilliam Penn Bancorp (WMPN) is a financial services company operating primarily in the banking sector. It offers a comprehensive range of banking products and services to individuals and businesses. The company's core offerings include savings accounts, checking accounts, personal and business loans, mortgages, and other related financial services aimed at meeting the diverse needs of its customers.

How the Company Makes MoneyWilliam Penn Bancorp generates revenue primarily through the interest income on loans and mortgages that it offers to its customers. The company also earns money through fees associated with banking services, such as account maintenance fees, transaction fees, and service charges. Additionally, the company may earn revenue from investment activities and partnerships with other financial institutions, which contribute to its overall earnings.

William Penn Bancorp Financial Statement Overview

Summary

William Penn Bancorp faces challenges in financial performance with declining revenues, negative profitability margins, and negative cash flows. While the balance sheet shows stability with a moderate debt-to-equity ratio, decreasing equity and negative return on equity highlight profitability concerns.

Income Statement

Neutral

The income statement shows a decline in revenue growth, with TTM revenue falling compared to the previous year. Gross Profit Margin remains stable at 100% due to total revenue equaling gross profit. However, the net profit margin is negative for TTM, indicating profitability challenges. EBIT and EBITDA margins have also seen substantial declines, with EBIT margin at 23.9% and EBITDA margin at 0.2% for TTM, reflecting operational inefficiencies.

Balance Sheet

Positive

The balance sheet is relatively stable, with a moderate debt-to-equity ratio of 0.08 for TTM, indicating manageable leverage levels. However, stockholders' equity has decreased over the years, which is a concern. The equity ratio remains solid at 15.6% for TTM, reflecting a reasonable capital structure. Return on Equity has turned negative, highlighting profitability issues.

Cash Flow

Neutral

The cash flow statement reveals negative free cash flow growth, with TTM free cash flow turning negative. Operating cash flows are also negative, which could signal potential liquidity issues. The free cash flow to net income ratio is negative, indicating challenges in converting net income to cash. However, the prior year's positive free cash flow is a mitigating factor.

TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Breakdown
Income Statement		Total Revenue
27.25M	19.96M	24.62M	25.07M	23.36M	16.21M
	Gross Profit
27.25M	19.96M	24.62M	25.07M	23.36M	16.21M
	EBIT
-1.10M	0.00	3.00M	8.29M	4.73M	941.00K
	EBITDA
68.00K	0.00	4.22M	6.00M	5.97M	1.76M
	Net Income Common Stockholders
-1.03M	168.00K	2.80M	4.24M	3.78M	1.33M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
149.82M	157.29M	184.94M	219.51M	293.91M	170.44M
	Total Assets
796.43M	818.75M	847.58M	879.95M	822.41M	736.45M
	Total Debt
38.06M	56.55M	43.11M	65.00M	41.00M	64.89M
	Net Debt
21.94M	37.84M	23.29M	28.23M	-129.57M	-15.55M
	Total Liabilities
672.23M	694.15M	686.83M	687.63M	605.48M	640.09M
	Stockholders Equity
124.20M	124.60M	160.75M	192.33M	216.93M	96.36M
Cash Flow		Free Cash Flow
-1.73M	179.00K	4.71M	4.00M	-1.15M	-1.66M
	Operating Cash Flow
-1.69M	320.00K	5.06M	4.86M	-259.00K	150.00K
	Investing Cash Flow
32.20M	30.59M	10.47M	-200.73M	-686.00K	-16.95M
	Financing Cash Flow
-32.02M	-31.50M	-30.90M	63.32M	86.75M	73.54M

William Penn Bancorp Technical Analysis

Technical Analysis Sentiment

Positive

Last Price12.32

Price Trends

50DMA

11.22

Positive

100DMA

11.73

Positive

200DMA

12.02

Positive

Market Momentum

MACD

0.38

Negative

RSI

67.96

Neutral

STOCH

63.43

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WMPN, the sentiment is Positive. The current price of 12.32 is above the 20-day moving average (MA) of 11.75, above the 50-day MA of 11.22, and above the 200-day MA of 12.02, indicating a bullish trend. The MACD of 0.38 indicates Negative momentum. The RSI at 67.96 is Neutral, neither overbought nor oversold. The STOCH value of 63.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WMPN.

William Penn Bancorp Risk Analysis

William Penn Bancorp disclosed 30 risk factors in its most recent earnings report. William Penn Bancorp reported the most risks in the “Finance & Corporate” category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added 0 New Risks

William Penn Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (64)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	70 Outperform	$99.65M	15.59	5.09%	3.72%	5.62%	-5.99%
FGBI	66 Neutral	$118.44M	69.83	1.58%	2.83%	14.50%	-73.50%
Sector *	64 Neutral	$12.78B	9.87	7.67%	17015.06%	12.34%	-5.99%
PBHC	54 Neutral	$93.53M	31.55	2.30%	2.63%	11.12%	―
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
FNWB	53 Neutral	$90.82M	―	-10.46%	2.96%	10.31%	-557.61%
BSBK	41 Neutral	$90.72M	―	-0.73%	―	-9.96%	-23.54%

* Financial Sector Average

Performance Comparison

WMPN

William Penn Bancorp

12.32

0.28

2.33%

PBHC

Pathfinder Bancorp

15.00

3.05

25.52%

PROV

Provident Financial Holdings

14.98

2.84

23.39%

FGBI

First Guaranty Bancshares

9.15

-1.74

-15.98%

FNWB

First Northwest Bancorp

9.10

-1.98

-17.87%

BSBK

Bogota Financial

6.94

0.11

1.61%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.