W.T.B. Financial Corporation Class B (WTBFB)
OTHER OTC:WTBFB
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W.T.B. Financial
(OTC:WTBFB)
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Rating:67Neutral
Price Target:
$415.00
â–²(12.18% Upside)
Action:Reiterated
Date:04/09/26
The score is driven primarily by improving 2025 financial performance (earnings and cash flow rebound) but tempered by historical volatility and balance-sheet inconsistency. Valuation is a clear positive (low P/E and a dividend), while technical indicators are mixed-to-neutral and do not add strong momentum support.
Positive Factors
Profitability Recovery
Profitability improved materially in 2025 with higher net and EBIT margins. A stronger margin profile increases earnings resilience and internal cash generation, enabling reinvestment or capital returns without depending solely on top-line growth, supporting durable earnings.
Negative Factors
Balance-Sheet Volatility
A sharp leverage swing in 2023 demonstrates inconsistent capital structure and funding choices. Such volatility raises refinancing and interest-rate exposure, complicates regulatory capital planning and undermines confidence in balance-sheet predictability over time.
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Positive Factors
Negative Factors
Profitability Recovery
Profitability improved materially in 2025 with higher net and EBIT margins. A stronger margin profile increases earnings resilience and internal cash generation, enabling reinvestment or capital returns without depending solely on top-line growth, supporting durable earnings.
Read all positive factors
W.T.B. Financial (WTBFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.00B
Dividend Yield2.07%
Average Volume (3M)760.00
Price to Earnings (P/E)8.9
Beta (1Y)0.16
Revenue Growth2.89%
EPS Growth80.83%
CountryUS
Employees1,184
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)27.91
Shares Outstanding2,490,818
10 Day Avg. Volume999
30 Day Avg. Volume760
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)0.90
Price to Sales (P/S)1.59
P/FCF Ratio10.01
Enterprise Value/Market Cap1.49
Enterprise Value/Revenue2.71
Enterprise Value/Gross Profit3.94
Enterprise Value/Ebitda16.95
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
W.T.B. Financial Business Overview & Revenue Model
Company Description
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 responsibi...
W.T.B. Financial Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
58
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 551.75M | 564.21M | 563.79M | 495.11M | 394.03M | 376.49M |
| Gross Profit | 380.08M | 422.42M | 353.97M | 342.33M | 381.30M | 366.91M |
| EBITDA | 88.27M | 120.29M | 78.92M | 79.43M | 154.52M | 136.51M |
| Net Income | 69.31M | 93.74M | 55.80M | 55.85M | 114.05M | 100.03M |
Balance Sheet | ||||||
| Total Assets | 10.68B | 10.69B | 10.74B | 11.45B | 10.42B | 11.09B |
| Cash, Cash Equivalents and Short-Term Investments | 485.71M | 711.33M | 574.97M | 1.15B | 393.87M | 2.05B |
| Total Debt | 500.00M | 578.02M | 539.67M | 1.93B | 13.46M | 37.25M |
| Total Liabilities | 9.73B | 9.69B | 9.80B | 10.55B | 9.56B | 10.26B |
| Stockholders Equity | 958.40M | 1.00B | 934.18M | 897.44M | 867.13M | 832.95M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 89.67M | 29.48M | 109.62M | 112.22M | 49.72M |
| Operating Cash Flow | 0.00 | 107.91M | 40.51M | 116.19M | 120.78M | 129.53M |
| Investing Cash Flow | 0.00 | 66.39M | 716.47M | -1.03B | 672.15M | -1.38B |
| Financing Cash Flow | 0.00 | -172.71M | -765.91M | 924.57M | -741.03M | 1.18B |
W.T.B. Financial Technical Analysis
Neutral
369.94
Price Trends
393.00
Positive
388.80
Positive
361.49
Positive
Market Momentum
0.47
Positive
49.24
Neutral
51.39
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTBFB, the sentiment is Neutral. The current price of 369.94 is below the 20-day moving average (MA) of 397.02, below the 50-day MA of 393.00, and above the 200-day MA of 361.49, indicating a neutral trend. The MACD of 0.47 indicates Positive momentum. The RSI at 49.24 is Neutral, neither overbought nor oversold. The STOCH value of 51.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for WTBFB.
W.T.B. Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $935.73M | 11.71 | 13.73% | 3.39% | 5.37% | 40.00% | |
76 Outperform | $929.01M | 11.42 | 10.31% | 3.82% | 4.21% | 26.10% | |
74 Outperform | $1.01B | 10.69 | 18.63% | 0.04% | 17.95% | 29.31% | |
72 Outperform | $928.50M | 10.08 | 13.36% | 3.05% | 4.55% | 16.09% | |
69 Neutral | $940.15M | 10.31 | 10.06% | 2.12% | 9.48% | 15.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.00B | 8.91 | 9.64% | 2.07% | 2.89% | 80.83% |
* Financial Sector Average
WTBFB
W.T.B. Financial
395.06
114.07
40.60%
CPF
Central Pacific Financial
35.85
10.66
42.30%
HAFC
Hanmi Financial
31.21
9.34
42.70%
MBWM
Mercantile Bank
53.75
11.22
26.38%
NBN
Northeast Bancorp
126.49
44.00
53.34%
BFST
Business First Bancshares
28.77
6.07
26.72%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.