William Penn Bancorp - Understand $wmpn stock

$WMPN Market Cap: $108.3 Million

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Financial Snapshot

Revenue

$24.24M

TTM

Gross Margin

Net Earnings

$326.0K

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$818.7M

Q2 2024

Total Liabilities

$694.1M

Q2 2024

Book Value

$124.6M

Q2 2024

Cash

$20.20M

Q2 2024

P/E

332.3

Sep 13, 2024 EST

Free Cash Flow

$250.0K

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$32.53M	$30.39M	$25.50M	$25.85M	$19.82M
YoY Change	7.04%	19.17%	-1.35%	30.42%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020
Revenue	$32.53M	$30.39M	$25.50M	$25.85M	$19.82M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$772.0K	$1.000M	$975.0K	$985.0K	$582.0K	$280.0K	$290.0K	$290.0K	$220.0K	$180.0K	$150.0K	$160.0K	$180.0K	$150.0K
YoY Change	-22.8%	2.56%	-1.02%	69.24%		-3.45%	0.0%	31.82%	22.22%	20.0%	-6.25%	-11.11%	20.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020
Interest Expense	$7.315M	$2.514M	$4.306M	$5.018M
YoY Change	190.97%	-41.62%	-14.19%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	-$290.0K	$3.002M	$4.805M	$4.726M	$941.0K	$4.330M	$4.070M	$4.170M	$4.380M	$5.060M	$3.960M	$350.0K	$2.310M	$2.930M
YoY Change	-109.66%	-37.52%	1.67%	402.23%		6.39%	-2.4%	-4.79%	-13.44%	27.78%	1031.43%	-84.85%	-21.16%
Income Tax	-$458.0K	$200.0K	$568.0K	$947.0K	-$387.0K	$1.460M	$1.380M	$1.490M	$1.450M	$1.680M	$1.320M	$80.00K	$750.0K	$970.0K
% Of Pretax Income		6.66%	11.82%	20.04%	-41.13%	33.72%	33.91%	35.73%	33.11%	33.2%	33.33%	22.86%	32.47%	33.11%
Net Earnings	$168.0K	$2.802M	$4.237M	$3.779M	$1.328M	$2.870M	$2.700M	$2.680M	$2.930M	$3.390M	$2.640M	$270.0K	$1.560M	$1.970M
YoY Change	-94.0%	-33.87%	12.12%	184.56%		6.3%	0.75%	-8.53%	-13.57%	28.41%	877.78%	-82.69%	-20.81%
Net Earnings / Revenue	0.52%	9.22%	16.62%	14.62%	6.7%
Basic Earnings Per Share	$0.02	$0.22	$0.30	$0.26
Diluted Earnings Per Share	$0.02	$0.22	$0.30	$260.0K	$100.4K	$74.92K	$70.77K	$229.3K	$251.1K	$291.2K	$227.4K	$23.30K	$301.7K	$381.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$17.99M	$18.54M	$13.40M	$16.70M	$3.100M	$3.600M	$3.700M	$3.800M	$2.200M	$2.000M	$1.800M	$1.900M	$2.000M
YoY Change	-2.99%	38.35%	-19.76%		-13.89%	-2.7%	-2.63%	72.73%	10.0%	11.11%	-5.26%	-5.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$1.629M	$2.258M
YoY Change	-27.86%
Other Assets	$9.485M	$7.459M	$3.600M	$4.800M	$2.300M	$2.000M	$1.900M	$1.800M	$1.700M	$2.100M	$2.100M	$1.800M	$1.600M
YoY Change	27.16%	107.19%	-25.0%		15.0%	5.26%	5.56%	5.88%	-19.05%	0.0%	16.67%	12.5%
Total Long-Term Assets
YoY Change
Total Assets	$847.6M	$880.0M	$822.4M	$736.5M	$314.1M	$315.9M	$316.5M	$329.4M	$326.4M	$308.2M	$282.1M	$268.8M	$262.3M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$14.35M	$12.65M	$7.600M	$10.80M	$3.000M	$3.000M	$2.700M	$2.700M	$2.800M	$3.100M	$2.800M	$2.500M	$2.400M
YoY Change	13.39%	66.49%	-29.63%		0.0%	11.11%	0.0%	-3.57%	-9.68%	10.71%	12.0%	4.17%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$14.35M	$12.65M	$7.600M	$10.80M	$3.000M	$3.000M	$2.700M	$2.700M	$2.800M	$3.100M	$2.800M	$2.500M	$2.400M
YoY Change	13.39%	66.49%	-29.63%		0.0%	11.11%	0.0%	-3.57%	-9.68%	10.71%	12.0%	4.17%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$3.227M	$3.356M	$3.700M	$4.500M	$3.000M	$2.700M	$2.500M	$2.300M	$2.100M	$2.200M	$2.100M	$1.900M	$1.900M
YoY Change	-3.84%	-9.3%	-17.78%		11.11%	8.0%	8.7%	9.52%	-4.55%	4.76%	10.53%	0.0%
Total Long-Term Liabilities	$3.227M	$3.356M	$3.700M	$4.500M	$3.000M	$2.700M	$2.500M	$2.300M	$2.100M	$2.200M	$2.100M	$1.900M	$1.900M
YoY Change	-3.84%	-9.3%	-17.78%		11.11%	8.0%	8.7%	9.52%	-4.55%	4.76%	10.53%	0.0%
Total Liabilities	$686.8M	$687.6M	$605.5M	$640.1M	$253.6M	$257.5M	$260.0M	$275.2M	$275.2M	$261.3M	$238.0M	$234.4M	$229.7M
YoY Change	-0.12%	13.56%	-5.41%		-1.51%	-0.96%	-5.52%	0.0%	5.32%	9.79%	1.54%	2.05%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021
Basic Shares Outstanding	9.018M	12.66M	14.26M	14.54M
Diluted Shares Outstanding	9.075M	12.69M	14.26M	14.54M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Dividends

Stock Price

Market Cap: $108.32 Million

About William Penn Bancorp

William Penn Bancorp is a bank holding company, which engages in the provision of commercial and retail financial services. The company is headquartered in Bristol, Pennsylvania and currently employs 93 full-time employees. The company went IPO on 2008-04-16. The Company, through its subsidiary, William Penn Bank (Bank) provides one-to four-family residential real estate mortgage loans, home equity lines of credit, construction residential and one- to-four-family investor commercial real estate, non-residential real estate, multi-family and construction and land loans. The firm offers traditional banking and related financial services to individual, business, and government customers. Through its branch network, the Bank offers an array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial and mortgage loans, and the providing of other financial services. The Bank serves the Delaware Valley area through approximately 12 full-service branch offices in Bucks County and Philadelphia, Pennsylvania, Burlington, Camden, and Mercer Counties in New Jersey.

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