Comparison
Company
Score
Quality
Valuation
Financial
Technical
Why is William Penn Bancorp ?
1
With a fall in Interest of NAN%, the company declared Very Negative results in Dec 24
- The company has declared negative results for the last 8 consecutive quarters
- OPERATING CASH FLOW(Y) Lowest at USD -1.69 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 74.93%
- NET SALES(Q) Lowest at USD 7.89
2
Risky - Not traded in last 10 days
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have fallen by -120%
How much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is William Penn Bancorp for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
William Penn Bancorp
1.65%
0.06
26.62%
S&P 500
16.49%
0.61
20.23%
Quality key factors
Factor
Value
Sales Growth (5y)
100.89%
EBIT Growth (5y)
15.27%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
648.65%
Pledged Shares
0
Institutional Holding
47.01%
ROCE (avg)
0
ROE (avg)
0
Valuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.91
EV to EBIT
-60.39
EV to EBITDA
-104.34
EV to Capital Employed
0.92
EV to Sales
3.77
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-1.52%
ROE (Latest)
-0.24%
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Bearish
OBV
Mildly Bullish
No Trend
Technical Movement
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for William Penn Bancorp
Non Performing Loans (%)
Lowest at 0.51%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Here's what is not working for William Penn Bancorp
Pre-Tax Profit
At USD -0.43 MM has Fallen at -661.4%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -0.26 MM has Fallen at -2,436.36%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD -1.69 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 7.89 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Operating Profit
Lowest at USD -0.65 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -8.17 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -0.43 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -0.26 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -0.12
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 74.93%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)






