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WCF Bancorp
(OTC:WCFB)
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Rating:47Neutral
Price Target:
$6.50
▲(0.15% Upside)
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
Recent Revenue Expansion
Revenue growth in the last two years indicates that WCF Bancorp has continued expanding its top line despite broader profitability pressure. If sustained, this provides a larger operating base from which management can pursue efficiency improvements and potentially restore positive earnings over the next several quarters.
Negative Factors
Sustained Losses
Several consecutive years of losses, culminating in a steep negative net margin in 2025, indicate that revenue growth is not currently converting into durable earnings. Persistent losses can erode capital, restrict reinvestment capacity, and make future performance more dependent on a successful operating turnaround.
Read all positive and negative factors
Positive Factors
Negative Factors
Recent Revenue Expansion
Revenue growth in the last two years indicates that WCF Bancorp has continued expanding its top line despite broader profitability pressure. If sustained, this provides a larger operating base from which management can pursue efficiency improvements and potentially restore positive earnings over the next several quarters.
Read all positive factors
WCF Bancorp (WCFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$12.47M
Dividend Yield3.12%
Average Volume (3M)895.00
Price to Earnings (P/E)―
Beta (1Y)0.04
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. Volume573
30 Day Avg. Volume895
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 Cap3.10
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...
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 Technical Analysis
Positive
6.49
Price Trends
6.32
Positive
6.17
Positive
6.43
Positive
Market Momentum
0.08
Positive
53.51
Neutral
57.78
Neutral
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 6.49 is below the 20-day moving average (MA) of 6.55, above the 50-day MA of 6.32, and above the 200-day MA of 6.43, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 53.51 is Neutral, neither overbought nor oversold. The STOCH value of 57.78 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
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 | $44.80M | 24.63 | 3.86% | 0.86% | 8.66% | 958.30% | |
52 Neutral | $12.85M | -81.16 | -0.75% | 8.71% | 13.37% | -600.93% | |
47 Neutral | $12.47M | -3.67 | -11.03% | 3.12% | -1.04% | -5511.41% | |
42 Neutral | $2.13M | -0.16 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
WCFB
WCF Bancorp
6.57
-0.78
-10.68%
CARV
Carver Bancorp
1.81
-0.60
-24.90%
GLBZ
Glen Burnie Bancorp
4.35
-0.27
-5.84%
KFFB
Kentucky First Federal Bancorp
5.81
2.40
70.28%
SHFS
SHF Holdings
0.16
-3.07
-94.98%
MBBC
Marathon Bancorp
15.39
4.91
46.85%
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.