WCF Bancorp (WCFB) AI Stock Analysis

WCF Bancorp

(Other OTC:WCFB)

Select Model

Rating:46Neutral

Price Target:$6.50▲(1.96% Upside)

Action:reiterated

Date:08/04/26

WCF Bancorp's overall score is heavily weighed down by acute profitability challenges, including a sharply negative P/E ratio and a deteriorating equity base. While recent debt reduction and a modest return to positive cash flow offer slight fundamental relief, ongoing negative earnings cast severe doubt on dividend sustainability. Despite a mild short-term technical recovery, significant operational improvements are required for a sustainable turnaround.

Positive Factors

Recent Revenue GrowthRevenue growth provides evidence of continued business activity and some expansion in the operating base. If maintained, this top-line progress could improve the bank’s ability to absorb fixed costs and eventually support a return to sustainable profitability, although current earnings remain weak.

Negative Factors

Sustained Operating LossesSeveral consecutive years of losses indicate that revenue growth has not translated into durable earnings power. The steeply negative 2025 margin and negative operating profitability weaken capital generation, constrain flexibility, and make a near-term recovery in returns less dependable.

WCF Bancorp (WCFB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $12.09M
Dividend Yield: 3.21%
Average Volume (3M): 1,738
Price to Earnings (P/E): -3.7
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

Severe profitability deterioration with a deeply negative net margin of -18.88% and eroding equity, partially offset by a return to modest positive cash flow and recent debt reductions.

Income Statement

25Negative

Balance Sheet

40Negative

Cash Flow

50Neutral

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price6.38

Price Trends

50DMA6.41Negative

100DMA6.26Positive

200DMA6.27Positive

Market Momentum

MACD-0.01Negative

RSI53.47Neutral

STOCH73.31Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WCFB, the sentiment is Positive. The current price of 6.38 is above the 20-day moving average (MA) of 6.24, below the 50-day MA of 6.41, and above the 200-day MA of 6.27, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 53.47 is Neutral, neither overbought nor oversold. The STOCH value of 73.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WCFB.

WCF Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

WCFB against its peers
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	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
GLBZ	52Neutral	$12.19M	-154.13	-0.39%	―	17.13%	-395.56%
WCFB	46Neutral	$11.88M	-3.66	-11.49%	3.21%	-2.39%	-3384.71%
SHFS	39Underperform	$1.55M	-0.01	-52.68%	―	-28.59%	94.79%

* Financial Sector Average

Performance Comparison

WCFB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
WCFB	WCF Bancorp, Inc.	6.38	-0.79	-10.96%
CARV	Carver Bancorp	1.85	-1.29	-41.08%
GLBZ	Glen Burnie	4.17	-0.52	-10.98%
KFFB	Kentucky First Federal	5.34	1.39	35.12%
SHFS	Shf Holdings Inc.	0.06	-27.90	-99.78%
MBBC	Marathon Bancorp, Inc.	14.44	3.54	32.43%

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.

Date of analysis: Aug 04, 2026

WCF Bancorp AI Stock Analysis