William Penn Bancorp (WMPN) AI Stock Analysis

• Market Cap: $113.45M
• Dividend Yield: 0.97%
• Average Volume (3M): 23.17K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.53
• Revenue Growth: 2.25%
• EPS Growth: -261.40%
• Country: US
• Employees: 90
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): -0.13
• Shares Outstanding: 9,208,217
• 10 Day Avg. Volume: 21,250
• 30 Day Avg. Volume: 23,174
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.15
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 6.57
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $14.00
• Price Target Upside: 13.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

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 Business Overview & Revenue Model

Company Description

William 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 Money

William 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 financial challenges, including declining revenues, negative profit margins, and negative cash flows. Although the balance sheet is stable, decreased equity and negative ROE indicate profitability issues. Strategic realignment is essential for financial stability and growth.

Income Statement

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

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

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.

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

William Penn Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 10.98, above the 50-day MA of 11.20, and above the 200-day MA of 11.99, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 67.96 is Neutral, neither overbought nor oversold. The STOCH value of 95.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WMPN.

William Penn Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	70 Outperform	$100.43M	15.55	5.09%	3.71%	5.62%	-5.99%
FGBI	66 Neutral	$129.42M	12.79	4.93%	2.52%	14.50%	-73.50%
Sector *	63 Neutral	$12.46B	9.55	8.14%	17103.96%	12.70%	-4.66%
PBHC	54 Neutral	$84.23M	26.65	2.36%	2.71%	16.38%	64.98%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
FNWB	53 Neutral	$97.24M	―	-3.46%	2.74%	10.31%	-557.61%
BSBK	41 Neutral	$90.11M	―	-1.58%	―	-11.26%	-460.04%