1867 Western Financial Corporation (WFCL) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
1867 Western Financial Corporation (WFCL) trades at $9000.00 with AI Score 50/100 (Grade B). 1867 Western Financial Corporation, through its subsidiary Bank of Stockton, provides a range of banking and wealth management services. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for WFCL: WFCL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates WFCL against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
WFCL: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
1867 Western Financial Corporation (WFCL) Financial Services Profile
1867 Western Financial Corporation, operating as Bank of Stockton, offers traditional banking and wealth management services in California. With a long history dating back to 1867, the company focuses on providing personalized financial solutions to individuals and businesses, distinguishing itself through local expertise and community focus amidst larger regional banks.
What Is the Investment Thesis for WFCL?
1867 Western Financial Corporation presents a stable, low-growth investment profile, characterized by its established presence in the regional banking sector and a beta of 0.22, indicating low volatility relative to the market. The company's comprehensive suite of banking and wealth management services provides diversified revenue streams. A key value driver is its long-standing customer relationships and community focus, fostering customer loyalty. However, the absence of a dividend may deter some investors. Growth catalysts include expanding wealth management services and leveraging technology for enhanced customer experience. Potential risks include increasing competition from larger regional and national banks and adapting to evolving fintech solutions.
Based on FMP financials and quantitative analysis
WFCL Key Highlights
Founded in 1867, demonstrating a long-standing history and established presence in the banking sector.
- Operates as the bank holding company for Bank of Stockton, providing a range of banking products and services.
- Offers wealth management services, including investment management and estate planning.
- Provides various loan products, including home, vehicle, and agricultural loans.
- Beta of 0.22, indicating lower volatility compared to the overall market.
Who Are WFCL's Competitors?
WFCL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WFCL's Key Strengths?
Established presence in the local market.
- Strong customer relationships.
- Comprehensive suite of banking and wealth management services.
- Low beta indicating stability.
What Are WFCL's Weaknesses?
Limited geographic reach.
- Lack of dividend may deter some investors.
- Smaller size compared to larger regional and national banks.
- Dependence on traditional banking model.
What Could Drive WFCL Stock Higher?
Expansion of wealth management services to attract high-net-worth individuals.
- Digital transformation initiatives to enhance customer experience and operational efficiency.
- Strategic partnerships with fintech companies to expand financial product offerings.
- Focus on small business lending to drive loan portfolio growth.
What Are the Key Risks for WFCL?
Increasing competition from larger regional and national banks.
- Rise of fintech companies disrupting traditional banking models.
- Interest rate fluctuations impacting profitability.
- Regulatory changes affecting the banking industry.
- Low liquidity due to OTC market trading.
What Are the Growth Opportunities for WFCL?
- Expansion of Wealth Management Services: 1867 Western Financial Corporation can grow by expanding its wealth management services, targeting high-net-worth individuals and families in its local market. The wealth management industry is projected to grow, driven by an aging population and increasing wealth concentration. By offering personalized investment advice, estate planning, and retirement planning services, the company can attract new clients and increase its assets under management. Timeline: Ongoing.
- Digital Transformation Initiatives: Investing in digital banking technologies can enhance customer experience and operational efficiency. By offering mobile banking, online account management, and other digital services, 1867 Western Financial Corporation can attract younger customers and compete with larger banks. The digital banking market is growing rapidly, driven by increasing smartphone adoption and changing customer preferences. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative financial products and services. By partnering with fintech firms specializing in lending, payments, or investment management, 1867 Western Financial Corporation can expand its offerings and attract new customers. Fintech partnerships can also improve operational efficiency and reduce costs. Timeline: Upcoming.
- Geographic Expansion within California: Expanding its branch network within California can increase its market share and customer base. By opening new branches in underserved communities or high-growth areas, 1867 Western Financial Corporation can reach new customers and grow its loan portfolio. Geographic expansion requires careful planning and market research. Timeline: Potential.
- Focus on Small Business Lending: Targeting small businesses with tailored loan products and financial services can drive growth. Small businesses are a significant segment of the economy and often require specialized financial solutions. By offering SBA loans, lines of credit, and other business banking services, 1867 Western Financial Corporation can build strong relationships with local businesses and grow its loan portfolio. Timeline: Ongoing.
What Are WFCL's Competitive Advantages?
- Long-standing history and established reputation in the local community.
- Strong customer relationships and community focus.
- Personalized service and local expertise.
- Comprehensive suite of banking and wealth management services.
What Does WFCL Do?
Founded in 1867, 1867 Western Financial Corporation serves as the bank holding company for Bank of Stockton. The bank provides a comprehensive suite of financial products and services, encompassing both traditional banking and wealth management solutions. Its offerings include a variety of deposit accounts such as checking, savings, and money market accounts, as well as certificates of deposit. To facilitate transactions, Bank of Stockton provides debit and credit cards. The company extends credit through various loan products including home, vehicle, personal, term, real estate, and agricultural loans. It also offers construction lending, home equity lines of credit, revolving lines of credit, home refinancing, and overdraft protection services. Beyond banking, 1867 Western Financial Corporation provides wealth management services, including investment management, corporate trustee services, estate planning, executor/co-executor services, estate settlement, custody services, trustee agency, and retirement planning services. The company also offers retail investment and insurance services. To support businesses, the bank provides services such as bill pay, ATM access, online cash management, payroll direct deposit, payroll preparation, personnel reporting system, merchant services, merchant BankCard acceptance, remote deposit, and automatic funds credit services. Customers can also access Internet, mobile, and telephone banking services. Headquartered in Stockton, California, 1867 Western Financial Corporation focuses on serving the financial needs of its local community.
What Products and Services Does WFCL Offer?
- Provides checking, savings, and money market accounts.
- Offers certificates of deposit.
- Issues debit and credit cards.
- Provides home, vehicle, personal, and real estate loans.
- Offers wealth management services, including investment management and estate planning.
- Provides online and mobile banking services.
- Offers business banking services, including payroll and merchant services.
How Does WFCL Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Receives fees from wealth management services.
- Profits from merchant services and other business banking solutions.
What Industry Does WFCL Operate In?
1867 Western Financial Corporation operates within the regional banking sector, which is characterized by increasing competition from larger national banks and the rise of fintech companies. The industry is seeing a shift towards digital banking solutions and personalized customer experiences. Regional banks like 1867 Western Financial Corporation differentiate themselves through local expertise and community relationships. The market is also influenced by interest rate fluctuations and regulatory changes. The U.S. banking industry is a mature market, but regional banks can still find growth opportunities by focusing on underserved markets and niche services.
Who Are WFCL's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and financial services.
- High-net-worth individuals seeking wealth management services.
- Local community members in Stockton, California and surrounding areas.
Company Profile
1867 Western Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Stockton, US. The company is led by CEO Douglass Eberhardt. WFCL has traded publicly since 2012.
How 1867 Western Financial Corporation Is Valued
Relative to its peer group, WFCL's quantitative score of 50/100 is below the peer average of 95/100.
Key Financial Metrics
Return on equity for 1867 Western Financial Corporation stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. WFCL trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
WFCL Financials
Bull Case vs Bear Case
Bull Case
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Bear Case
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AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
WFCL Latest News
No recent news available for WFCL.
WFCL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WFCL.
Price Targets
Wall Street price target analysis for WFCL.
WFCL MoonshotScore
What does this score mean?
The MoonshotScore rates WFCL 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Douglass Eberhardt
CEO
Douglass Eberhardt serves as the CEO of 1867 Western Financial Corporation. Information regarding Mr. Eberhardt's detailed background, including his educational qualifications and prior professional experiences, is not available in the provided data. However, as CEO, he is responsible for the overall strategic direction and operational management of the company.
Track Record: As CEO of 1867 Western Financial Corporation, Douglass Eberhardt manages a workforce of 370 employees. Specific achievements and milestones under his leadership are not detailed in the provided data. However, his role involves overseeing the bank's operations, driving growth, and ensuring the delivery of quality financial services to its customers.
WFCL OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that 1867 Western Financial Corporation may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited information available to investors, and trading activity can be sporadic. Investing in OTC Other stocks carries significant risks due to the lack of regulatory oversight and potential for fraud or manipulation. This tier is generally reserved for companies with limited operating history or those facing financial difficulties.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Low liquidity and high price volatility.
- Potential for fraud or manipulation.
- Lack of regulatory oversight.
- Limited operating history or financial difficulties.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's financial health and ability to continue as a going concern.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal proceedings against the company.
- Long-standing history dating back to 1867.
- Operation as a bank holding company for Bank of Stockton.
- Provision of a range of banking products and services.
- Physical presence with headquarters in Stockton, California.
Common Questions About WFCL (Financial Services)
What does the AI Score mean for WFCL?
WFCL holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. 1867 Western Financial Corporation, through its subsidiary Bank of Stockton, provides a range of banking and wealth management services. Founded in 1867 and based in Stockton, California, it caters …
What does 1867 Western Financial Corporation do?
1867 Western Financial Corporation operates as the bank holding company for Bank of Stockton. It provides a range of banking and financial services, including deposit accounts, loans, and wealth management services. The company focuses on serving individuals and businesses in its local market of Stockton, California, offering personalized service and community-focused banking solutions. Its long-standing history and established presence in the region differentiate it from larger national banks.
What are the main risks for WFCL?
The main risks for 1867 Western Financial Corporation include increasing competition from larger regional and national banks, the rise of fintech companies disrupting traditional banking models, and interest rate fluctuations impacting profitability. As an OTC stock, WFCL also faces risks related to low liquidity, limited financial disclosure, and potential for fraud or manipulation. Regulatory changes affecting the banking industry could also pose a risk to the company's operations.
What are the key factors to evaluate for WFCL?
1867 Western Financial Corporation (WFCL) holds an AI score of 50/100 (moderate). 1867 Western Financial Corporation presents a stable, low-growth investment profile, characterized by its established presence in the regional banking sector and a beta of 0.22, indicating low volatility relative to the market. Not financial advice.
How frequently does WFCL data refresh on this page?
WFCL's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven WFCL's recent stock price performance?
1867 Western Financial Corporation (WFCL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the local market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WFCL overvalued or undervalued right now?
1867 Western Financial Corporation (WFCL) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research WFCL before investing?
Before investing in 1867 Western Financial Corporation (WFCL), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding WFCL to a portfolio?
Key strength of 1867 Western Financial Corporation (WFCL): Established presence in the local market. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited due to the company's OTC status.
- AI analysis is pending and may provide further insights.