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Woodsboro Bank (WOBK)

USD86.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 5 North Main Street 21798-0036
Woodsboro, MD, US
CEO Richard Ohnmacht
IPO 2021-02-04
ISIN US9801591077

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Description

Woodsboro Bank provides a comprehensive suite of financial services and products to residents and businesses within Frederick County and its adjacent regions. The institution's deposit offerings encompass various account types, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Their extensive lending portfolio features personal loans, home equity lines of credit, and a range of mortgage options such as first and second mortgages, construction loans, and financing for investment properties. They also provide loans for building and unimproved land lots, term loans, real estate loans, and Small Business Administration (SBA) loans, in addition to general lines of credit and overdraft protection services. Beyond traditional banking, Woodsboro Bank offers modern conveniences like debit cards, online and mobile banking platforms, remote deposit functionality, person-to-person payments, merchant services, and comprehensive cash management solutions. The bank operates through a network of eight branches situated throughout Frederick County, notably including a dedicated commercial lending office located in downtown Frederick. Established in 1899 and headquartered in Woodsboro, Maryland, the organization officially adopted its current name, Woodsboro Bank, in January 1997, having previously operated as Woodsboro Savings Bank of Frederick County, Maryland.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Indicator 1D1W2W3W1M
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Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
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Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
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Price
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Draw
USD86.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
11
Beta
-0.02
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.00% +5.13% +26.15% +26.15% +53.27% +97.12% +86.36% +98.74% +98.74%
Rolling Volatility
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Relative Strength
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Monthly Returns Heatmap
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Daily Returns Distribution
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Revenue flow

Revenue by geography

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Financial Statements

Income Statement

Balance Sheet

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Key Metrics

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Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
86.00
DCF (Unlevered) 55.09 -35.9%
DCF (Levered) 60.12 -30.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Operational MOAT
  • Revenue growth
    +5.7%
  • EPS growth
    -100.0%
  • FCF margin
  • EBIT margin
  • ROIC
  • Share dilution
    -100.0%
  • Debt / EBITDA
Valuation Multiples From To
Price Forecast (3Y) From To
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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 (-0.01) × ERP
WACC = 0% × Ke + 100% × Kd (330.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 55.09 Current price: 86.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Ownership data is not available for this company yet.

Executive team

Top executives
EBIT / Employee
93.2K
Shares Outstanding
395.9K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Austin Pearre Senior VP & Commercial Banking Team Lead male
Bethany S. Lord Executive Vice President and Chief Human Resources & Culture Officer female
Christopher R. Clemons Executive Vice President & Chief Commercial Banking Officer male
Gary W. Delauter Executive Vice President & Chief Operating Officer male
Janet I. McCurdy Director & Secretary female
Kimberly A. Arnold Executive Vice President & Chief Credit Officer female
Patricia C. Muldoon Executive Vice President, Chief Operating Officer & Chief Financial Officer female
Richard Ohnmacht CEO, President & Director male
Thomas Ramsay Executive Vice President & Chief Retail Banking 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)
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Dividend yield history

Dividend history

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