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W.T.B. Financial
(OTC:WTBFB)
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Rating:73Outperform
Price Target:
$502.00
▲(21.46% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by improving financial performance in 2025 (earnings and cash flow rebound), supported by a favorable valuation (low P/E and ~2.16% yield). Technicals are bullish with price above key moving averages and positive MACD, but the very overextended RSI/Stoch readings and historical balance-sheet volatility (notably the 2023 leverage spike) temper the overall rating.
Positive Factors
Profitability Recovery
Net income and margins meaningfully recovered in 2025 (net income $93.7M; net margin ~16.6%; EBIT margin ~21.3%). Durable margin expansion improves internal capital generation, supports reinvestment and dividends, and reduces reliance on external financing over the medium term.
Negative Factors
Leverage Instability
A dramatic leverage swing in 2023 (D/E ~2.15) shows funding and capital-structure inconsistency. Such volatility can raise refinancing risk, invite regulatory scrutiny, and force reactive balance-sheet moves that undermine long-term planning and margin stability across credit cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
Net income and margins meaningfully recovered in 2025 (net income $93.7M; net margin ~16.6%; EBIT margin ~21.3%). Durable margin expansion improves internal capital generation, supports reinvestment and dividends, and reduces reliance on external financing over the medium term.
Read all positive factors
W.T.B. Financial (WTBFB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.06B
Dividend Yield2.16%
Average Volume (3M)760.00
Price to Earnings (P/E)8.7
Beta (1Y)0.21
Revenue Growth5.09%
EPS Growth76.88%
CountryUS
Employees1,225
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)49.30
Shares Outstanding2,427,530
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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...
How the Company Makes Money
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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 | 579.84M | 564.21M | 563.79M | 495.11M | 394.03M | 376.49M |
| Gross Profit | 458.59M | 422.42M | 353.97M | 342.33M | 381.30M | 366.91M |
| EBITDA | 153.87M | 120.29M | 78.92M | 79.43M | 154.52M | 136.51M |
| Net Income | 119.76M | 93.74M | 55.80M | 55.85M | 114.05M | 100.03M |
Balance Sheet | ||||||
| Total Assets | 10.55B | 10.69B | 10.74B | 11.45B | 10.42B | 11.09B |
| Cash, Cash Equivalents and Short-Term Investments | 134.12M | 711.33M | 574.97M | 1.15B | 393.87M | 2.05B |
| Total Debt | 509.83M | 578.02M | 539.67M | 1.93B | 13.46M | 37.25M |
| Total Liabilities | 9.50B | 9.69B | 9.80B | 10.55B | 9.56B | 10.26B |
| Stockholders Equity | 1.04B | 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 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.04B | 10.58 | 13.25% | 2.63% | 4.47% | 12.98% | |
76 Outperform | $1.03B | 12.55 | 14.00% | 2.92% | 5.05% | 39.76% | |
76 Outperform | $1.04B | 11.21 | 10.93% | 2.13% | 32.73% | ― | |
74 Outperform | $1.04B | 11.28 | 9.85% | 1.87% | 8.88% | 11.73% | |
73 Outperform | $1.06B | 8.72 | 11.85% | 2.21% | 5.09% | 76.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $969.06M | 12.80 | 8.89% | 4.21% | -4.09% | -9.75% |
* Financial Sector Average
WTBFB
W.T.B. Financial
455.50
153.06
50.61%
CCNE
Cnb Financial
34.61
12.83
58.93%
CPF
Central Pacific Financial
38.90
12.92
49.75%
MBWM
Mercantile Bank
60.70
17.52
40.57%
SBSI
Southside Bancshares
32.44
5.00
18.23%
BFST
Business First Bancshares
31.66
9.04
39.99%
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.