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Mar 31, 2023

William Penn Bancorp Q3 2023 Earnings Report

William Penn Bancorp's financial performance reflected a decrease in net income and core net income compared to the same quarter last year, while deposits grew and borrowings were reduced.

Key Takeaways

William Penn Bancorp reported a decrease in net income for the quarter ended March 31, 2023, compared to the same period in 2022. Despite the decrease in profitability, the company experienced deposit growth and reduced borrowings. The company's capital position remains strong, with a high stockholders' equity to assets ratio.

Net income decreased to $183 thousand, or $0.01 per share, compared to $824 thousand, or $0.06 per share, in the same quarter last year.

Core net income decreased to $443 thousand, or $0.04 per share, compared to $1.1 million, or $0.07 per share, in the same quarter last year.

Deposits grew by $17.2 million, and borrowings from the Federal Home Loan Bank of Pittsburgh were reduced by $22.0 million.

Stockholders’ equity to assets ratio was 20.18%, and tangible common equity ratio was 19.68%.

Total Revenue
$5.71M
Previous year: $6.3M
-9.3%
EPS
$0.04
Previous year: $0.07
-42.9%
Net Interest Margin
2.84%
Previous year: 3.06%
-7.2%
Tangible Capital to Tangible Assets
19.68%
Non-Performing Assets to Total Assets
0.51%
Previous year: 0.76%
-32.9%
Cash and Equivalents
$19.9M
Previous year: $58.2M
-65.9%
Free Cash Flow
$287K
Previous year: $931K
-69.2%
Total Assets
$862M
Previous year: $869M
-0.8%

William Penn Bancorp

William Penn Bancorp

Forward Guidance

William Penn Bancorporation did not provide specific forward guidance in the Q3 2023 earnings report.