W.T.B. Financial (WTBFB) AI Stock Analysis

• Market Cap: $715.91M
• Dividend Yield: 2.63%
• Average Volume (3M): 1.08K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.18
• Revenue Growth: 5.58%
• EPS Growth: 37.56%
• Country: US
• Employees: 1,184
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 24.67
• Shares Outstanding: 2,490,818
• 10 Day Avg. Volume: 1,043
• 30 Day Avg. Volume: 1,084
• PEG Ratio: 1.12
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 2.23
• Enterprise Value/Revenue: 0.78
• Enterprise Value/Gross Profit: 3.66
• Enterprise Value/Ebitda: -63.93
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ―

W.T.B. Financial has a stable financial position with strong cash generation, but challenges exist in revenue and profit margin declines, along with high leverage. Technical indicators show mixed signals with potential downward momentum. However, the stock's low P/E ratio and attractive dividend yield suggest valuation strength. Addressing cost management and leverage will be essential for future growth.

W.T.B. Financial Business Overview & Revenue Model

Company Description

W.T.B. Financial Corporation operates as the bank holding company for Washington Trust Bank that provides banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. The company's deposit products include checking, savings and money market, health savings, individual retirement, and analyzed accounts, as well as certificates of deposit. It also offers credit and debit cards; home, auto, boat, motorcycle, motor home, home equity, equipment, debt refinancing, term, and agriculture loans; and SBA and commercial real estate financing products, as well as revolving, personal, and home equity lines of credit. In addition, the company provides investment products and services, such as retirement planning, mutual funds, stocks/bonds, life/long-term care insurance, annuities, brokerage, planning, and education funding. Further, it offers wealth management services consisting of investment management, charitable and nonprofit administration, estate settlement, family office, trust administration, retirement planning, employee benefits administration, and custody services, as well as portfolio management services. Additionally, the company provides digital wallets; remote deposit, merchant, treasury management, private banking, and online and mobile banking services; and documentary and standby letters of credit, documentary collection, foreign exchange products, foreign accounts receivable insurance, and SBA export loan guaranty programs. It operates through 42 branches and offices in Washington, Idaho, and Oregon. The company was founded in 1902 and is headquartered in Spokane, Washington.

How the Company Makes Money

W.T.B. Financial generates revenue through multiple streams, primarily driven by interest income from its banking operations, including loans and mortgages. The company also earns fees and commissions from investment management and wealth advisory services. Additionally, W.T.B. Financial benefits from premiums and investment income related to its insurance products. Significant partnerships with other financial institutions and strategic acquisitions contribute to its growth and earnings. The company leverages its wide network and comprehensive service offerings to maintain a diversified and stable revenue model.

W.T.B. Financial Financial Statement Overview

Summary

Overall, W.T.B. Financial exhibits a stable financial position with strengths in gross profit margin and cash generation. However, declining revenue and profit margins, along with high leverage, pose challenges. The company needs to address cost management and leverage to ensure sustained financial health.

Income Statement

The income statement shows mixed performance with fluctuations in revenue and profit margins. Gross profit margin is strong due to high gross profit compared to total revenue. However, net profit margin has declined in the latest year, indicating challenges in managing costs. The revenue growth rate is negative, highlighting a decrease in total revenue. EBIT and EBITDA margins have also decreased, suggesting pressure on operating efficiencies.

Balance Sheet

The balance sheet presents a moderate financial position, with a high debt-to-equity ratio indicating significant leverage. The return on equity has decreased, reflecting lower profitability relative to equity. However, the equity ratio remains stable, showing a balanced capital structure. Overall, the balance sheet suggests adequate financial health but with potential risks due to high leverage.

Cash Flow

Cash flow analysis reveals positive free cash flow and a stable operating cash flow to net income ratio, indicating good cash generation capability. However, the free cash flow growth rate is negative, pointing to a decline in cash available for discretionary spending. The company maintains a reasonable free cash flow to net income ratio, showing effective conversion of earnings into cash.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
550.77M	353.97M	342.33M	394.03M	376.49M	354.84M
	Gross Profit
436.79M	353.97M	495.10M	401.80M	357.91M	306.63M
	EBIT
62.45M	79.32M	78.03M	150.11M	133.77M	100.66M
	EBITDA
-6.89M	70.86M	-6.89M	154.52M	136.51M	106.15M
	Net Income Common Stockholders
43.87M	55.80M	55.85M	114.05M	100.03M	76.31M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
71.52M	574.97M	1.15B	119.93M	62.28M	101.56M
	Total Assets
5.09B	10.74B	11.45B	10.43B	11.10B	9.84B
	Total Debt
0.00	0.00	2.27B	222.49M	276.76M	233.96M
	Net Debt
-71.52M	-574.97M	1.12B	-171.38M	-1.77B	-1.33B
	Total Liabilities
510.72K	9.80B	10.55B	9.57B	10.27B	9.04B
	Stockholders Equity
480.92M	934.18M	897.44M	867.13M	832.95M	806.52M
Cash Flow		Free Cash Flow
0.00	29.48M	109.62M	112.22M	49.72M	95.86M
	Operating Cash Flow
0.00	40.51M	116.19M	120.78M	129.53M	109.12M
	Investing Cash Flow
0.00	716.47M	-1.03B	677.89M	-1.35B	-2.61B
	Financing Cash Flow
0.00	-765.91M	924.57M	-741.03M	1.18B	2.50B

W.T.B. Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 281.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTBFB, the sentiment is Negative. The current price of 281.7 is below the 20-day moving average (MA) of 285.81, below the 50-day MA of 288.90, and below the 200-day MA of 293.96, indicating a bearish trend. The MACD of -2.52 indicates Positive momentum. The RSI at 35.96 is Neutral, neither overbought nor oversold. The STOCH value of 7.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WTBFB.

W.T.B. Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSBC	80 Outperform	$755.59M	9.14	12.98%	1.37%	2.27%	-6.70%
XYF	80 Outperform	$818.47M	4.09	24.00%	1.65%	20.28%	27.31%
UFCS	79 Outperform	$722.55M	11.18	8.51%	2.25%	14.60%	―
NOAH	71 Outperform	$750.64M	4.13	4.76%	9.13%	-18.39%	-33.85%
WTBFB	68 Neutral	$715.91M	11.42	6.65%	2.63%	5.58%	37.56%
Sector *	64 Neutral	$12.87B	9.81	7.76%	16985.65%	12.28%	-7.83%
CFFN	63 Neutral	$767.59M	14.31	5.09%	5.88%	6.02%	―