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William Penn Bancorporation (WMPN) investor relations material
William Penn Bancorporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Jan, 2025
Executive summary
Reported net loss of $988K for Q2 FY2025 and $1.0M for the six months ended Dec 31, 2024, compared to net income of $11K and $190K in the prior year periods, driven by $731K and $836K in merger-related expenses.
Core net loss (non-GAAP) was $743K for the quarter and $744K for the six months, compared to core net losses of $168K and $46K in the prior year.
Asset quality remains strong, with non-performing assets to total assets at 0.30%, down from 0.40% at June 30, 2024.
Book value per share increased to $13.49 and tangible book value per share to $12.93 as of Dec 31, 2024.
Board declared $0.03/share cash dividend, payable Feb 6, 2025.
Financial highlights
Net interest income for the quarter was $4.1M, down 3.7% year-over-year; for six months, $8.2M, down 8.5%.
Net interest margin was 2.27% for the quarter and 2.28% for six months, both slightly lower than prior year.
Non-interest income rose 17.8% to $975K for the quarter, mainly from a $211K gain on sale of two buildings.
Non-interest expense increased 21.9% to $6.2M for the quarter, driven by merger costs and higher salaries.
Total assets decreased 2.7% to $796.4M; loans decreased 0.7% to $467.5M; deposits decreased 0.4% to $627.4M.
Outlook and guidance
Merger with Mid Penn Bancorp expected to close in Q2 2025, subject to regulatory and shareholder approvals.
Each William Penn share to convert into 0.426 shares of Mid Penn; transaction subject to customary closing conditions.
Management expects continued focus on asset quality, conservative lending, and balance sheet strength.
Explain the decrease in total assets.
Why did deposit interest expense increase?
Detail the impact of the merger on expenses.
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Frequently asked questions
William Penn Bancorporation is a bank holding company that operates primarily through its wholly-owned subsidiary, William Penn Bank. The company provides a range of banking and financial services, including personal and business banking products. These services encompass checking and savings accounts, mortgages, loans, and online banking solutions. William Penn Bancorporation serves individual customers, small businesses, and commercial clients. The company is headquartered in Bristol, Pennsylvania, and its shares are listed on the NASDAQ.
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