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1. Company Snapshot

1.a. 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.

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1.b. Last Insights on WMPN

The recent performance of William Penn Bancorporation was negatively impacted by the impending merger with Mid Penn Bancorp, Inc. The company's shareholders overwhelmingly approved the acquisition, but regulatory approvals and customary closing conditions must still be met. This uncertainty may have contributed to the company's recent volatility. Additionally, the lack of recent earnings releases or significant positive news may have further exacerbated the negative sentiment.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Mid Penn Bancorp, Inc. and William Penn Bancorporation Receive Shareholder Approvals for Merger

Apr -02

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Mid Penn Bancorp, Inc. and William Penn Bancorporation Receive Regulatory Approvals for Merger

Mar -28

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William Penn Bancorporation Announces Quarter End Results And Cash Dividend to Shareholders

Jan -15

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WILLIAM PENN INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of William Penn Bancorporation - WMPN

Nov -06

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Shareholder Alert: Ademi LLP Investigates Whether William Penn Bancorporation Is Obtaining a Fair Price for Its Public Shareholders

Nov -01

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WMPN Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of William Penn Bancorporation Is Fair to Shareholders

Nov -01

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Mid Penn Bancorp, Inc. to Acquire William Penn Bancorporation

Nov -01

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William Penn Bancorporation Announces Quarter End Results And Cash Dividend To Shareholders

Oct -16

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.43%)

6. Segments

Banking and Related Financial Services

Expected Growth: 7.43%

William Penn Bancorporation's 7.43% growth in Banking and Related Financial Services is driven by increasing demand for mortgage lending, strategic expansion into new markets, and a focus on digital transformation, resulting in improved operational efficiency and enhanced customer experience.

7. Detailed Products

Personal Banking

William Penn Bancorporation offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The company provides business banking services, including commercial loans, cash management, and treasury management solutions, to help businesses grow and succeed.

Mortgage Lending

William Penn Bancorporation offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve homeownership.

Wealth Management

The company provides wealth management services, including investment advice, portfolio management, and retirement planning, to help individuals and families achieve their long-term financial goals.

Online Banking

William Penn Bancorporation offers online banking services, including bill pay, fund transfers, and account management, to provide customers with convenient access to their accounts.

8. William Penn Bancorporation's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for William Penn Bancorporation is moderate, as customers have some alternatives for banking services, but the company's strong brand and customer loyalty mitigate this threat.

Bargaining Power Of Customers

The bargaining power of customers is low, as William Penn Bancorporation has a diverse customer base and no single customer has significant bargaining power.

Bargaining Power Of Suppliers

The bargaining power of suppliers is low, as William Penn Bancorporation has multiple suppliers for its operations and can negotiate favorable terms.

Threat Of New Entrants

The threat of new entrants is high, as the banking industry is attractive and new fintech companies are emerging, posing a threat to William Penn Bancorporation's market share.

Intensity Of Rivalry

The intensity of rivalry is high, as William Penn Bancorporation operates in a competitive banking industry with many established players, and the company must differentiate itself to maintain market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 24.52%
Debt Cost 6.31%
Equity Weight 75.48%
Equity Cost 6.31%
WACC 6.31%
Leverage 32.48%

11. Quality Control: William Penn Bancorporation passed 1 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Pioneer Bancorp

A-Score: 5.7/10

Value: 5.5

Growth: 4.3

Quality: 6.9

Yield: 0.0

Momentum: 8.5

Volatility: 9.3

1-Year Total Return ->

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AmeriServ Financial

A-Score: 5.5/10

Value: 6.6

Growth: 3.4

Quality: 4.1

Yield: 7.0

Momentum: 6.5

Volatility: 5.7

1-Year Total Return ->

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Norwood Financial

A-Score: 5.1/10

Value: 4.9

Growth: 3.7

Quality: 4.2

Yield: 8.0

Momentum: 3.0

Volatility: 7.0

1-Year Total Return ->

Stock-Card
Middlefield Banc

A-Score: 4.9/10

Value: 3.9

Growth: 4.2

Quality: 6.3

Yield: 6.0

Momentum: 5.0

Volatility: 4.0

1-Year Total Return ->

Stock-Card
William Penn

A-Score: 4.8/10

Value: 6.0

Growth: 4.3

Quality: 4.7

Yield: 1.0

Momentum: 6.0

Volatility: 6.7

1-Year Total Return ->

Stock-Card
First Internet

A-Score: 4.4/10

Value: 9.6

Growth: 6.7

Quality: 3.7

Yield: 2.0

Momentum: 0.5

Volatility: 3.7

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

12.32$

Current Price

12.32$

Potential

-0.00%

Expected Cash-Flows