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WCF Bancorp, Inc. (WCFB)

USD6.04 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 401 Fair Meadow Drive 50595
Webster City, IA, US
CEO Timothy R. Kluender
IPO 1994-08-15
CIK 1667944 ISIN US92940L1035

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Description

WCF Bancorp, Inc. functions as the parent entity for WCF Financial Bank, a financial institution that provides a comprehensive array of commercial banking solutions for individual customers and corporate clients alike. The bank's extensive offerings include various deposit accounts such as checking and savings, along with certificates of deposit. Furthermore, it extends consumer and home mortgage financing, issues debit and credit cards, provides secure storage options like safe deposit boxes, and facilitates check ordering, among other diverse financial products. This enterprise was founded in 1934 and has its primary base of operations in Webster City, Iowa.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD6.04 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.9K
Beta
0.07
Float Shares
1.84M
Free Float %
98.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -1.61% +7.39% -3.17% -15.28% -16.44% -15.63% -5.43% -26.59% -19.74% -100.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.04
Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.15
Distress
Piotroski F-Score
2 / 9
Weak
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +2.0% Q1'26: +1.4% (vs Q1'25)
  • EPS growth
    -9,384.5% Q1'26: -251.1% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: -1.3% (vs Q1'25)
  • ROIC
    Q1'26: -0.3% (vs Q1'25)
  • Share dilution
    -33.8% Q1'26: +30.7% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: -185.85× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.05) × ERP
WACC = 18% × Ke + 82% × Kd (18.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 6.04
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-27 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-26 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-22 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-20 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-18 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-15 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-14 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-05-13 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-05-11 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-05-07 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-05-06 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-05-05 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-05-04 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-04-30 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-04-29 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-04-28 C 2/5 2/5 1/5 1/5 1/5 1/5 4/5
2026-04-27 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-04-24 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-04-23 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-04-21 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5
2026-04-17 C 2/5 3/5 1/5 1/5 1/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
792.0K
OE per share TTM
0.53
Owner's Yield
6.97%
Maintenance CapEx ratio
5,796.63%
Maint CapEx / Avg PPE
65.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
4
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Ryan Heslop 205.0K 8.00% 205.0K 205.0K IN United States 2016-07-22
2 Employee Stock Ownership Plan Trust 171.1K 6.70% 150.6K 20.5K 171.1K EP Ohio 2019-02-13
3 26-2921385 128.8K 5.03% 128.8K 128.8K IA California 2019-03-28
4 Andersen 128.8K 5.03% 128.8K 128.8K HC, IN California 2019-03-28

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-77.8K
Shares Outstanding
1.86M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2019-04-18 DEF 14A
2018-04-20 DEF 14A
2017-08-14 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2019-08-05 15-12B
2019-07-25 25
2019-07-15 8-K
2019-06-04 3
2019-05-28 8-K
2019-05-14 10-Q
2019-04-25 8-K
2019-04-18 DEF 14A
2019-04-15 3
2019-04-15 3

Executive team

NameTitleCompensationGender
Helaine Engler Corporate Secretary
Kelly Smith Senior Vice President, Tama Market President & Senior Loan Officer male
Lisa Johnson Senior Vice President, Chief Operating Officer & Human Resources Director female
Michelle Zahn Senior Vice President & Chief Financial Officer female
Nick Willwerth Director & Controller
Stephanie Christian Senior Vice President & Independence Market President female
Timothy R. Kluender President, Chief Executive Officer & Director male
Todd Cordes Executive Vice President & Chief Information Security Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits