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W.T.B. Financial (WTBFB) Stock Price & Analysis
WTBFB Stock Chart & Stats
- Day’s Range
- $460.20 - $461.30
- 52-Week Range
- $340.00 - $465.00
- Previous Close
- $461.30
- Volume
- N/A
- Average Volume (3M)
- 421
- Market Cap
- $1.12B
- Enterprise Value
- $1.41B
- Total Cash (Recent Filing)
- $109.45M
- Total Debt (Recent Filing)
- $409.17M
- Price to Earnings (P/E)
- 9.1
- Beta
- 0.21
- Next Earnings
- Apr 22, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 04, 2026
- Dividend Yield
- 2.01%
Bulls Say, Bears Say
Bulls Say
Profitability Recovery
The sharp rebound in net income and margins indicates that the bank recovered meaningful earnings power in 2025. If profitability remains nearer this improved level, it can support stronger internal capital formation, resilience, and continued investment across community banking services.
Cash Generation
Improved operating and free cash flow provide tangible support for the company’s financial flexibility. Stronger cash generation can help fund lending activity, reinforce capital, and support shareholder distributions, although the durability of this improvement should be monitored across future reporting periods.
Capital Position
Moderate leverage in 2024–2025 alongside a larger equity base gives the bank a stronger capital foundation than its highly leveraged 2023 position. The improved return on equity also suggests that this capital was being used more productively during the latest period.
Bears Say
Limited Revenue Growth
Flat revenue means the 2025 earnings recovery was not accompanied by meaningful top-line expansion. Without sustained growth in lending, deposits, fees, or other banking income, future profit improvement may depend more heavily on margins and cost performance than on expanding business volume.
Leverage Volatility
The pronounced swing in leverage across recent years indicates that the company’s funding and capital structure have not been consistently stable. Such variability can complicate financial planning and makes the balance sheet’s resilience more dependent on maintaining the improved leverage profile seen in 2024–2025.
Uneven Cash Conversion
The sharp year-to-year change in free cash flow shows that reported earnings have not converted into cash consistently over the recent period. Although 2025 was strong, uneven conversion can make internally generated funding less predictable and requires continued evidence that the latest improvement is sustainable.
WTBFB FAQ
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W.T.B. Financial Stock Smart Score
Company Description
W.T.B. Financial
W.T.B. Financial Corporation operates as the holding company for Washington Trust Bank, delivering a broad spectrum of financial services to both corporate and individual clients. These offerings encompass traditional banking, fiduciary responsibilities, asset and wealth management, and mortgage lending. Its extensive range of deposit products includes standard checking, savings, and money market accounts, alongside specialized options such as health savings accounts (HSAs), individual retirement accounts (IRAs), analyzed accounts, and various certificates of deposit (CDs). The company also provides credit and debit cards. On the lending front, clients have access to a diverse portfolio of loan options, including financing for homes, vehicles (cars, boats, motorcycles, motor homes), home equity, and equipment. Additionally, it offers debt refinancing, term loans, and agricultural loans, as well as commercial real estate and Small Business Administration (SBA) financing. Various lines of credit, such as revolving, personal, and home equity, are also available. The institution further extends its services to include investment products and advisory. This includes retirement and education planning, mutual funds, stocks and bonds brokerage, life and long-term care insurance, and annuities. Comprehensive wealth management solutions are a key offering, covering investment and portfolio management, administration for charitable and nonprofit entities, estate settlement, family office services, trust administration, employee benefits administration, and custody services. For modern banking convenience and business support, the company provides digital wallets, remote deposit, and online and mobile banking. Businesses can also leverage treasury management and merchant services, alongside private banking. Furthermore, it facilitates international trade through documentary and standby letters of credit, documentary collection, foreign exchange products, foreign accounts receivable insurance, and SBA export loan guaranty programs. With a substantial presence across the Pacific Northwest, W.T.B. Financial Corporation operates 42 branches and offices throughout Washington, Idaho, and Oregon. Established in 1902, its headquarters are located in Spokane, Washington.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Peter F. Stanton
- Employees
- 1,225
- Website
- www.watrust.com
- Address
- 717 West Sprague Avenue, Spokane, WA, 99201, US
W.T.B. Financial (WTBFB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 6 | 5 |
| Technical Analysis | 4 | 6 | 0 |
| Moving Averages | 7 | 0 | 5 |
