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WCF Bancorp
(OTC:WCFB)
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Rating:44Neutral
Price Target:
$6.00
▼(-18.59% Downside)
Action:Reiterated
Date:04/26/26
The score is held down primarily by weak financial performance: sustained losses, negative returns on equity, and higher leverage, with only modest recent cash-flow stabilization. Technicals are mixed with mild near-term support but a weaker long-term trend, while valuation is constrained by a negative P/E despite a moderate dividend yield.
Positive Factors
Revenue Growth Trend
Sustained top-line expansion (~1% in 2024 and ~13% in 2025) indicates the franchise can win business and grow core revenues. Durable revenue momentum provides a structural base to absorb shocks, support scale economics and enable a recovery in profitability if cost and credit trends stabilize.
Negative Factors
Sustained Losses and Negative ROE
Three consecutive years of losses and sharply negative ROE materially erode retained capital and constrain the bank's ability to lend, invest or sustain shareholder distributions. Persistent unprofitability risks capital dilution, regulatory scrutiny and makes recovery dependent on durable earnings improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained top-line expansion (~1% in 2024 and ~13% in 2025) indicates the franchise can win business and grow core revenues. Durable revenue momentum provides a structural base to absorb shocks, support scale economics and enable a recovery in profitability if cost and credit trends stabilize.
Read all positive factors
WCF Bancorp (WCFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$12.12M
Dividend Yield2.77%
Average Volume (3M)704.00
Price to Earnings (P/E)―
Beta (1Y)0.03
Revenue Growth-0.68%
EPS Growth-5395.53%
CountryUS
Employees25
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,983,378
10 Day Avg. Volume13
30 Day Avg. Volume704
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/Revenue3.71
Enterprise Value/Gross Profit9.13
Enterprise Value/Ebitda-19.40
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 | 10.43M | 12.05M | 11.82M | 5.30M | 6.11M | 5.24M |
| Gross Profit | 4.24M | 4.26M | 5.49M | 5.31M | 6.11M | 4.68M |
| EBITDA | -1.99M | -1.95M | -70.10K | 558.44K | 962.42K | 1.07M |
| Net Income | -2.34M | -2.28M | -36.21K | -163.10K | 617.48K | 717.80K |
Balance Sheet | ||||||
| Total Assets | 227.41M | 228.15M | 228.13M | 196.59M | 161.48M | 137.67M |
| Cash, Cash Equivalents and Short-Term Investments | 2.03M | 2.44M | 14.21M | 11.36M | 3.25M | 4.22M |
| Total Debt | 29.50M | 34.50M | 41.50M | 29.10M | 18.39M | 12.00M |
| Total Liabilities | 207.95M | 208.69M | 205.89M | 173.98M | 138.37M | 110.92M |
| Stockholders Equity | 19.46M | 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% | |
59 Neutral | $42.05M | 29.97 | 1.71% | ― | 10.06% | ― | |
51 Neutral | $13.47M | -138.24 | 0.09% | ― | 8.13% | -357.58% | |
44 Neutral | $12.12M | -3.28 | 0.31% | 2.77% | -0.68% | -5395.53% | |
41 Neutral | $1.35M | -0.22 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
WCFB
WCF Bancorp
6.11
-1.91
-23.82%
CARV
Carver Bancorp
1.39
-1.14
-45.06%
GLBZ
Glen Burnie Bancorp
4.62
-0.68
-12.92%
KFFB
Kentucky First Federal Bancorp
5.20
2.06
65.61%
SHFS
SHF Holdings
0.21
-3.34
-94.14%
MBBC
Marathon Bancorp
15.00
4.96
49.40%
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.