WCF Bancorp AI Stock Analysis
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WCF Bancorp (WCFB) AI Stock Analysis
WCF Bancorp
(Other OTC:WCFB)
The overall score is heavily weighed down by poor financial performance, marked by persistent net losses, declining equity, and high leverage. Technicals are neutral and provide no offsetting strength. The dividend yield offers limited appeal given the company's weak fundamentals. The primary risk is the deteriorating balance sheet and unprofitable operations, which overshadow top-line revenue growth.
WCF Bancorp (WCFB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $11.68M
- Dividend Yield
- 0.80%
- Average Volume (3M)
- 1,784
- Price to Earnings (P/E)
- -3.5
- Beta (1Y)
- 0.04
- Revenue Growth
- -2.39%
- EPS Growth
- -3384.71%
- Country
- US
- Employees
- 25
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 offerings...
WCF Bancorp Financial Statement Overview
Summary
Revenue growth is strong at 12.5%, but the company has posted three consecutive net losses, including a $2.3M loss in 2025. The balance sheet is weak with declining equity, high debt-to-equity of 1.77x, and negative ROE. Operating cash flow turned modestly positive but remains insufficient to offset high leverage and poor profitability.
Income Statement
28NegativeBalance Sheet
22NegativeCash Flow
32Negative| 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 | 1.05M | 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 | 218.19K | -1.50M | -2.51M | 114.61K | 885.20K |
| Operating Cash Flow | 0 | 364.13K | -336.75K | 73.82K | 876.47K | 1.02M |
| Investing Cash Flow | 0 | -5.55M | -27.77M | -25.74M | -27.02M | -1.59M |
| Financing Cash Flow | 0 | 1.91M | 30.95M | 33.78M | 25.18M | -5.62M |
WCF Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WCFB, the sentiment is Negative. The current price of 6.26 is below the 20-day moving average (MA) of 6.27, below the 50-day MA of 6.39, and above the 200-day MA of 6.22, indicating a neutral trend. The MACD of 0.00 indicates Negative momentum. The RSI at 46.40 is Neutral, neither overbought nor oversold. The STOCH value of 18.84 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WCFB.
WCF Bancorp Peers Comparison
Overall Rating
KFFB62Neutral- WCFB46Neutral
GLBZ39Underperform
SHFS37Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $47.50M | 19.19 | 4.97% | 0.87% | 7.36% | 360.42% |
| WCFB | 46Neutral | $11.68M | -3.54 | -11.49% | 0.80% | -2.39% | -3384.71% |
| GLBZ | 39Underperform | $11.84M | -153.76 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 37Underperform | $3.24M | -0.00 | -73.97% | ― | -14.63% | 94.07% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| WCFB | WCF Bancorp, Inc. | 6.26 | -1.02 | -13.94% | |
| CARV | Carver Bancorp | 1.92 | -1.39 | -41.90% | |
| GLBZ | Glen Burnie | 3.94 | -0.53 | -11.86% | |
| KFFB | Kentucky First Federal | 5.75 | 1.64 | 40.04% | |
| SHFS | Shf Holdings Inc. | 0.02 | -16.42 | -99.87% | |
| MBBC | Marathon Bancorp, Inc. | 14.90 | 4.04 | 37.20% |
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.
Date of analysis: Nov 04, 2026