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

• Market Cap: $800.39M
• Dividend Yield: 2.34%
• Average Volume (3M): 1.24K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.19
• Revenue Growth: 0.18%
• EPS Growth: 59.42%
• Country: US
• Employees: 1,184
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 7.91
• Shares Outstanding: 2,490,818
• 10 Day Avg. Volume: 140
• 30 Day Avg. Volume: 1,244
• PEG Ratio: 34.40
• Price to Book (P/B): 0.83
• Price to Sales (P/S): 2.19
• P/FCF Ratio: 26.27
• Enterprise Value/Market Cap: 1.81
• Enterprise Value/Revenue: 3.15
• Enterprise Value/Gross Profit: 3.44
• Enterprise Value/Ebitda: 22.84
• 1Y Price Target: $344.00
• Price Target Upside: 8.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $344.00 ▲(8.52% Upside)

The overall stock score of 72.5 reflects a strong valuation and positive technical indicators, which are the most significant factors. Despite revenue challenges, the company maintains strong profitability and leverage management, contributing to a solid financial performance score. The absence of earnings call and corporate events data does not impact the score.

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 several key streams, including asset management fees, commissions from insurance products, and interest income from banking operations. The asset management division charges clients a percentage of the assets under management (AUM), while the insurance segment earns commissions on policy sales and renewals. Additionally, WTBFB's banking operations generate interest income from loans and other financial products. The company also benefits from strategic partnerships with financial institutions and technology providers, which enhance its service offerings and expand its client base, ultimately contributing to its overall revenue.

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	458.79M	353.97M	342.33M	394.03M	376.49M	354.84M
Gross Profit	420.69M	353.97M	495.10M	401.80M	357.91M	306.63M
EBITDA	63.37M	70.86M	-6.89M	154.52M	136.51M	106.15M
Net Income	61.48M	55.80M	55.85M	114.05M	100.03M	76.31M
Balance Sheet
Total Assets	10.71B	10.74B	11.45B	10.43B	11.10B	9.84B
Cash, Cash Equivalents and Short-Term Investments	619.10M	574.97M	1.15B	119.93M	62.28M	101.56M
Total Debt	876.59M	866.89M	2.27B	222.49M	276.76M	233.96M
Total Liabilities	9.76B	9.80B	10.55B	9.57B	10.27B	9.04B
Stockholders Equity	947.44M	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: Positive
• Last Price: 317.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTBFB, the sentiment is Positive. The current price of 317 is above the 20-day moving average (MA) of 314.25, above the 50-day MA of 310.07, and above the 200-day MA of 298.68, indicating a bullish trend. The MACD of 1.97 indicates Positive momentum. The RSI at 65.54 is Neutral, neither overbought nor oversold. The STOCH value of 75.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WTBFB.

W.T.B. Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBN	79 Outperform	867.33M	10.85	0.00%	0.04%	33.02%	33.76%
CPF	77 Outperform	830.49M	13.86	10.67%	3.48%	2.81%	6.88%
MBWM	74 Outperform	757.02M	9.34	12.89%	3.18%	8.72%	-0.45%
WTBFB	73 Outperform	$800.39M	11.32	7.43%	2.34%	0.18%	59.42%
HAFC	72 Outperform	755.56M	11.67	8.50%	4.23%	3.34%	-1.93%
BFST	72 Outperform	715.52M	9.64	9.07%	2.33%	16.88%	3.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%