Woodsboro Bank

Woodsboro Bank provides various banking products and services to communities in Frederick and surrounding counties. The company offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. It also provides personal loans, home equity lines of credit, overdraft protection lines of credit, first and second mortgages, construction loans, investment property mortgages, building and unimproved land lot loans, overdraft protection, lines of credit, term loans, real estate loans, and small business administration loans. In addition, the company offers check cards, online and mobile banking, remote deposit anywhere, person to person payments, merchant, and cash management and other services. It operates through eight offices located throughout Frederick County, including a commercial lending office located in downtown Frederick. The company was formerly known as Woodsboro Savings Bank of Frederick County, Maryland and changed its name to Woodsboro Bank in January 1997. Woodsboro Bank was founded in 1899 and is headquartered in Woodsboro, Maryland.

Woodsboro Bank trades as WOBK on OTC. The company is classified in Financial Services / Banks - Regional and reports in USD.

The current profile places the business in Banks - Regional. This section is intended to summarize the operating segments, products, geographies, and main revenue lines from official filings.

Latest available fiscal data shows $22.75M of revenue and $4.39M of net income.

Use this area for management strategy, capital allocation priorities, target markets, and measurable goals from the latest annual report or investor presentation.

The app now provides the structure, but exact strategic claims should come from official company documents before being treated as a finished investment thesis.

Woodsboro Bank can be compared against peers such as AMB Financial Corp., Bank of Utica, CNB Corporation, Enterprise Financial Services Group, Inc., Elmer Bancorp, Inc., Huron Valley Bancorp, Inc..

A complete thesis should compare growth, margins, balance-sheet risk, valuation multiples, and market position against direct competitors.

Current signals to investigate include market capitalization of $32.46M, beta of -0.01, and return on equity of +13.8%.

This section should be validated with evidence such as durable margins, brand strength, regulation, switching costs, cost advantage, distribution, or technology.

Key risks should include financial leverage, cyclicality, customer concentration, regulatory exposure, currency risk, and execution risk.

WOBK currently shows total debt of $1.23M and beta of -0.01. Missing data should be treated as a research gap, not as low risk.

Production-capacity detail is not available as structured data yet. For industrial, defense, semiconductor, or real-estate companies, this should be reviewed from annual reports and investor presentations.

No structured backlog field is available yet. If the company reports backlog, review the relevant filing section before adding it to the thesis.

Use this section for major contracts, product launches, construction projects, acquisitions, or strategic programs that can materially affect valuation.

No recent SEC-style filings are available for this symbol yet.

Customer concentration is not available as structured data here. Add it from official filings when a company discloses material customers or revenue concentration.

Supplier concentration and critical supply-chain dependencies are not available as structured data here. This should be researched from annual reports and risk disclosures.

Company website: https://www.woodsborobank.com

For US-listed stocks, verify the thesis against official filings, earnings call transcripts, and company investor relations materials.