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

• Market Cap: $868.98M
• Dividend Yield: 2.16%
• Average Volume (3M): 632.00
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.18
• Revenue Growth: -0.50%
• EPS Growth: 87.73%
• 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: 675
• 30 Day Avg. Volume: 632
• PEG Ratio: 34.40
• Price to Book (P/B): 0.83
• Price to Sales (P/S): 1.37
• P/FCF Ratio: 26.27
• Enterprise Value/Market Cap: 1.48
• Enterprise Value/Revenue: 2.81
• Enterprise Value/Gross Profit: 3.37
• Enterprise Value/Ebitda: 14.53
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $370.00 ▲(14.55% Upside)

W.T.B. Financial's overall stock score is driven by its strong financial performance and attractive valuation. Despite revenue challenges, the company maintains strong profitability and improved leverage. The technical analysis shows a positive trend, but the high RSI suggests caution. The lack of earnings call and corporate events data means these factors do not influence the score.

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

Company Description

W.T.B. Financial (WTBFB) is a diversified financial services company that provides a wide range of investment, insurance, and banking solutions to individuals and businesses. Operating primarily in the financial sector, WTBFB focuses on wealth management, risk management, and capital financing products. The company aims to empower clients with tailored financial strategies and innovative solutions designed to meet their unique financial goals.

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

W.T.B. Financial demonstrates resilience in profitability and leverage management despite facing revenue challenges. The income statement shows strong margins, while the balance sheet reflects improved leverage. Cash flow analysis indicates operational difficulties but effective cash management. Overall, the company is navigating a tough environment with a focus on maintaining financial stability.

Income Statement

W.T.B. Financial's income statement shows a significant revenue decline of 30.48% in the latest year, which is concerning. However, the company maintains a healthy EBIT margin of 20.02% and a net profit margin of 15.76%, indicating strong operational efficiency. The gross profit margin remains at 100%, reflecting the nature of the banking industry where revenue equals gross profit. Despite the revenue drop, profitability metrics are stable, suggesting effective cost management.

Balance Sheet

The balance sheet reveals a substantial reduction in debt, with the debt-to-equity ratio improving from 2.52 to 0.93, indicating a stronger financial position. Return on equity is modest at 5.97%, reflecting moderate profitability relative to equity. The equity ratio is not explicitly calculated but suggests a stable capital structure given the improvements in leverage. Overall, the balance sheet shows improved financial stability and reduced leverage risks.

Cash Flow

Cash flow analysis indicates a challenging environment with a significant drop in operating cash flow coverage ratio to 0.71%. Free cash flow to net income ratio is strong at 72.78%, suggesting efficient cash generation relative to earnings. However, the free cash flow growth rate is not meaningful due to the previous year's negative free cash flow. The cash flow statement reflects operational challenges but also highlights effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	455.62M	563.79M	495.11M	394.03M	376.49M	306.63M
Gross Profit	380.08M	353.97M	342.33M	401.80M	366.91M	306.63M
EBITDA	88.27M	78.92M	-6.89M	154.52M	136.51M	106.15M
Net Income	69.31M	55.80M	55.85M	114.05M	100.03M	76.31M
Balance Sheet
Total Assets	10.68B	10.74B	11.45B	10.43B	11.10B	9.84B
Cash, Cash Equivalents and Short-Term Investments	485.71M	574.97M	1.15B	393.87M	2.05B	101.56M
Total Debt	500.00M	866.89M	2.27B	222.49M	276.76M	233.96M
Total Liabilities	9.73B	9.80B	10.55B	9.57B	10.27B	9.04B
Stockholders Equity	958.40M	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	672.15M	-1.38B	-2.63B
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: 323.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 323 is below the 20-day moving average (MA) of 331.86, above the 50-day MA of 322.29, and above the 200-day MA of 303.22, indicating a bullish trend. The MACD of 6.93 indicates Negative momentum. The RSI at 76.24 is Negative, neither overbought nor oversold. The STOCH value of 92.25 is Negative, 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
BFST	75 Outperform	$730.32M	9.53	10.39%	2.24%	17.99%	11.08%
HAFC	75 Outperform	$801.05M	11.10	9.51%	4.06%	3.33%	15.80%
MBWM	73 Outperform	$716.30M	8.35	13.79%	3.27%	5.64%	6.24%
NBN	69 Neutral	$680.10M	8.02	19.62%	0.04%	33.22%	38.44%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CPF	67 Neutral	$775.05M	11.89	11.65%	3.78%	1.22%	15.97%
WTBFB	66 Neutral	$868.98M	10.02	8.90%	2.16%	-0.50%	87.73%