William Penn Bancorporation's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of William Penn Bancorporation (WMPN) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: William Penn Bancorporation vs Its Competitors
- TTM: Trailing 12-month revenue of 20M vs 843M combined for tracked competitors (2.4% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-1.4% annualized vs trailing 12 months), vs decelerating (-6.8%) for its tracked peer group.
- Growth: William Penn Bancorporation generated 0.1% revenue growth year over year in Q2 2024, vs 13.5% for its tracked competitors combined.
- Profitability: Its -19.7% net margin compares with 25.4% for the peer group.
- Peer revenue share: William Penn Bancorporation accounted for 2.5% of combined revenue among its tracked peer group, down from 2.8% a year earlier.
- Peer differentiation: Revenue per employee of $0.58M compares with $0.28M for the peer group (2.1x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
WMPN Sales vs. its Competitors, Q2 2024
William Penn Bancorporation reported revenue growth of 0.06 % year on year in Q2 2024, below its competitors' combined revenue growth of 13.54 %.
With a net margin of -19.69 %, William Penn Bancorporation reported lower profitability than its competitors (25.37 %).
William Penn Bancorporation generated 2.49 % of the combined sales of its peer group, down from 2.82 % a year earlier.
William Penn Bancorporation vs. its Competitors, Q2 2024
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across William Penn Bancorporation and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| William Penn Bancorporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (2) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across William Penn Bancorporation's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 0.1% for William Penn Bancorporation. William Penn Bancorporation's share of combined industry revenue moved from 0.00% to 0.00%, a gain of 0.00 percentage points.
William Penn Bancorporation's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| William Penn Bancorporation | No | No | No | Yes |
| Competitors combined (1) | ||||
| High-Confidence Competitors (1) | ||||
| Similar Growth & Profitability (8) | 87.50 % (7 of 8) | 50.00 % (4 of 8) | 0.00 % (0 of 8) | 62.50 % (5 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
WMPN Stock Performance relative to its Competitors
WMPN Stock Performance relative to High-Confidence Competitors
WMPN Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Community Financial System Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for William Penn Bancorporation's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of William Penn Bancorporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| William Penn Bancorporation | 101.12 | 20.36 |
| Community Financial System Inc | 3,192.84 | 842.77 |
| SUBTOTAL | 3,293.96 | 863.13 |
Sources: William Penn Bancorporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on William Penn Bancorporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
William Penn Bancorporation's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Federal Home Loan Bank of Pittsburgh | Named by the company | 85% |
| Community Financial System Inc | Named by the company | 85% |
| Northeast Bancorp | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for William Penn Bancorporation's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
William Penn Bancorporation's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| William Penn Bancorporation | 101 | 581,800 | -29,457 |
| Community Financial System Inc | 3,193 | 280,828 | 75,944 |
| PEERS TOTAL | 3,193 | 280,828 | 75,944 |
William Penn Bancorporation's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in William Penn Bancorporation's industry classification, broader than the peer set above. Market cap in millions of $.William Penn Bancorporation ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 524, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,753 | 15.06 % |
| 2 | Deutsche Bank Aktiengesellschaft | 73,058 | 9.50 % |
| 3 | State Street Corp | 50,855 | 6.62 % |
| 4 | Fifth Third Bancorp | 47,474 | 6.18 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | William Penn Bancorporation | 101 | 0.00 % |
Market cap and industry share for the rest of William Penn Bancorporation's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2025-04-30.
William Penn Bancorporation's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 45.26 % | 64.14 % (avg) | -18.9 pp |
| Operating Margin | -8.34 % | industry median | -40.6 pp |
| EBITDA Margin | 37.88 % | 49.90 % (avg) | -12.0 pp |
| Capital Intensity (Capex / Revenue) | 0.33 % | 3.18 % (avg) | -2.9 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
William Penn Bancorporation's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 15.6x | - |
| EV / EBITDA | 13.4x | 6.2x | +7.2x |
| P/B | 0.8x | 1.3x | -0.5x |
| Return on Equity | -0.82 % | industry aggregate | -10.95 % |
| Return on Invested Capital | -0.18 % | 3.20 % (avg) | -3.38 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
William Penn Bancorporation's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue Growth | - | 116.13 % | -16.65 % | -7.28 % |
| Operating Margin | 20.38 % | 17.30 % | 3.97 % | -8.34 % |
| Return on Invested Capital | 0.56 % | 0.63 % | 0.09 % | -0.18 % |
| P/E | 63.7x | 39.2x | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
William Penn Bancorporation's Strategic Group Map
Every company in William Penn Bancorporation's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. William Penn Bancorporation is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
William Penn Bancorporation's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 524 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.33 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See William Penn Bancorporation's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See William Penn Bancorporation's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
William Penn Bancorporation's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
William Penn Bancorporation falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
William Penn Bancorporation's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Operating margin 40.6 points below the industry median.
- Return on equity 11.0 points below the industry aggregate.
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-6.8% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
William Penn Bancorporation's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| William Penn Bancorporation | - | 1.18 | 0.02 |
| Community Financial System Inc | 0.02 | 0.03 | 0.23 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
William Penn Bancorporation's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| William Penn Bancorporation | Q4 2024 | +0.1 % | - |
| Community Financial System Inc | Q2 2026 | +14.4 % | +19.2 % |
| PEERS TOTAL | +14.0 % | +17.2 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
William Penn Bancorporation's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| William Penn Bancorporation | Q4 2024 | -44.0 % | -92.9 % |
| Community Financial System Inc | Q2 2026 | +93.0 % | -44.1 % |
William Penn Bancorporation's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| William Penn Bancorporation | - | - | - |
| Community Financial System Inc | 1.31% | 3.47% | 11.34% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
William Penn Bancorporation's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| William Penn Bancorporation | 41.15 | 4.97 |
| Community Financial System Inc | 14.04 | 3.79 |
| PEERS AVERAGE | 14.52 | 3.82 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.