William Penn Bancorp (WMPN) AI Stock Analysis

• Market Cap: $97.98M
• Dividend Yield: 1.13%
• Average Volume (3M): 23.32K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.45
• Revenue Growth: 2.25%
• EPS Growth: -261.40%
• Country: US
• Employees: 90
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): -0.13
• Shares Outstanding: 9,208,217
• 10 Day Avg. Volume: 33,141
• 30 Day Avg. Volume: 23,321
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.76
• Price to Cash Flow (P/CF): -19.30
• P/FCF Ratio: 9.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $14.00
• Price Target Upside: 31.58% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

William Penn Bancorp's overall stock score reflects substantial challenges, primarily driven by declining financial performance with negative profitability and cash flow issues. Technical indicators show a bearish trend, and the valuation is poor due to negative earnings. The absence of recent earnings call data or significant corporate events leaves these concerns unmitigated.

William Penn Bancorp Business Overview & Revenue Model

Company Description

William Penn Bancorporation operates as the holding company for William Penn Bank that provides retail and commercial banking products and related financial services in the United States. The company offers time, savings, and demand deposits; certificates of deposit; and checking, money market, savings and club, and individual retirement accounts. It also provides one- to four-family residential and investor commercial real estate, non-residential real estate, multi-family residential, commercial business and consumer, residential and commercial construction, and land loans, as well as home equity loans and lines of credit, small business administration loans, and CDARS. In addition, the company provides business credit cards, mobile deposits, debit cards, safe deposit boxes, money orders, wire transfers; and notary public, night depository, and cash management services, as well as online, telephone, and mobile banking services. It serves individuals, businesses, and government customers. The company offers its services through twelve full-service branch offices in Bucks and Philadelphia counties, Pennsylvania; and Burlington and Camden Counties, New Jersey. William Penn Bancorporation was founded in 1870 and is headquartered in Bristol, Pennsylvania.

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
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
30.33M	19.96M	24.62M	25.07M	23.36M	16.21M
	Gross Profit
30.33M	19.96M	24.62M	25.07M	23.36M	16.21M
	EBIT
-453.00K	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
29.01M	157.29M	184.94M	219.51M	293.91M	170.44M
	Total Assets
321.81M	818.75M	847.58M	879.95M	822.41M	736.45M
	Total Debt
88.00M	56.55M	43.11M	65.00M	41.00M	64.89M
	Net Debt
58.99M	37.84M	23.29M	28.23M	-129.57M	-15.55M
	Total Liabilities
271.87M	694.15M	686.83M	687.63M	605.48M	640.09M
	Stockholders Equity
49.95M	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: Neutral
• Last Price: 10.64
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WMPN, the sentiment is Neutral. The current price of 10.64 is below the 20-day moving average (MA) of 10.66, below the 50-day MA of 11.26, and below the 200-day MA of 11.97, indicating a neutral trend. The MACD of -0.13 indicates Negative momentum. The RSI at 56.01 is Neutral, neither overbought nor oversold. The STOCH value of 71.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for WMPN.

William Penn Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FGBI	72 Outperform	$118.67M	11.72	4.93%	2.74%	20.11%	29.00%
PROV	69 Neutral	$94.94M	15.67	4.82%	3.94%	7.55%	-20.61%
Sector *	63 Neutral	$12.07B	9.35	8.15%	79.57%	12.85%	-5.13%
PBHC	54 Neutral	$93.14M	26.65	2.36%	2.64%	16.38%	64.98%
WMPN	50 Neutral	$97.98M	―	-0.81%	1.13%	2.25%	-261.40%
FNWB	44 Neutral	$90.72M	―	-4.17%	2.91%	13.08%	-386.59%
BSBK	41 Neutral	$89.72M	―	-1.58%	―	-11.26%	-460.04%