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WCF Bancorp
(OTC:WCFB)
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Rating:47Neutral
Price Target:
$6.00
▼(-7.55% Downside)
Action:Reiterated
Date:08/04/26
The score is primarily held down by weak financial performance driven by multiple years of losses, negative ROE, and higher leverage despite revenue growth. Technical indicators add some support with mild positive momentum, and valuation is mixed with a reasonable dividend yield but a negative P/E due to losses.
Positive Factors
Revenue Growth Momentum
Back-to-back top-line growth with acceleration in 2025 indicates underlying demand resilience and improving core business traction. Sustained revenue expansion provides latitude for operating leverage to rebuild margins, supports reinvestment in growth initiatives, and underpins a potential multi-quarter recovery in profitability.
Negative Factors
Sustained Losses and Weak Margins
Three consecutive years of losses culminating in a steep -19% net margin materially weaken earnings power and deplete retained capital. Prolonged negative margins constrain reinvestment capacity, pressure regulatory and risk metrics, and require meaningful operational or strategic fixes to restore long-term profitability and capital resilience.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Back-to-back top-line growth with acceleration in 2025 indicates underlying demand resilience and improving core business traction. Sustained revenue expansion provides latitude for operating leverage to rebuild margins, supports reinvestment in growth initiatives, and underpins a potential multi-quarter recovery in profitability.
Read all positive factors
WCF Bancorp (WCFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$12.13M
Dividend Yield3.11%
Average Volume (3M)1.14K
Price to Earnings (P/E)―
Beta (1Y)0.05
Revenue Growth-1.04%
EPS Growth-5511.41%
CountryUS
Employees25
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,863,238
10 Day Avg. Volume1,530
30 Day Avg. Volume1,140
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.46
Price to Sales (P/S)0.75
P/FCF Ratio41.42
Enterprise Value/Market Cap3.19
Enterprise Value/Revenue3.19
Enterprise Value/Gross Profit8.72
Enterprise Value/Ebitda-20.85
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
WCF Bancorp Business Overview & Revenue Model
Company 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 offerin...
How the Company Makes Money
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WCF Bancorp Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
41
Neutral
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.12M | 12.05M | 11.82M | 5.30M | 6.11M | 5.24M |
| Gross Profit | 4.44M | 4.26M | 5.49M | 5.31M | 6.11M | 4.68M |
| EBITDA | -1.86M | -1.95M | -70.10K | 558.44K | 962.42K | 1.07M |
| Net Income | -2.22M | -2.28M | -36.21K | -163.10K | 617.48K | 717.80K |
Balance Sheet | ||||||
| Total Assets | 224.97M | 228.15M | 228.13M | 196.59M | 161.48M | 137.67M |
| Cash, Cash Equivalents and Short-Term Investments | 6.06M | 2.44M | 14.21M | 11.36M | 3.25M | 4.22M |
| Total Debt | 30.00M | 34.50M | 41.50M | 29.10M | 18.39M | 12.00M |
| Total Liabilities | 205.46M | 208.69M | 205.89M | 173.98M | 138.37M | 110.92M |
| Stockholders Equity | 19.51M | 19.46M | 22.24M | 22.61M | 23.11M | 26.75M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 218.19K | -1.50M | -2.51M | 114.61K | 885.20K |
| Operating Cash Flow | 0.00 | 364.13K | -336.75K | 73.82K | 876.47K | 1.02M |
| Investing Cash Flow | 0.00 | -5.55M | -27.77M | -25.74M | -27.02M | -1.59M |
| Financing Cash Flow | 0.00 | 1.91M | 30.95M | 33.78M | 25.18M | -5.62M |
WCF Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $45.37M | 23.31 | 3.86% | ― | 8.66% | 958.30% | |
47 Neutral | $12.13M | -3.71 | -11.03% | 2.77% | -1.04% | -5511.41% | |
42 Neutral | $1.99M | -0.16 | -52.68% | ― | -28.59% | 94.79% | |
41 Neutral | $12.99M | -83.58 | -0.75% | ― | 13.37% | -600.93% |
* Financial Sector Average
WCFB
WCF Bancorp
6.58
-0.81
-10.96%
CARV
Carver Bancorp
1.85
-1.21
-39.54%
GLBZ
Glen Burnie Bancorp
4.47
0.21
4.98%
KFFB
Kentucky First Federal Bancorp
5.50
2.24
68.82%
SHFS
SHF Holdings
0.16
-3.66
-95.89%
MBBC
Marathon Bancorp
15.12
4.75
45.81%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.