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

5 Followers

W.T.B. Financial

(Other OTC:WTBFB)

Select Model

Rating:68Neutral

Price Target:$502.00▲(8.82% Upside)

Action:reiterated

Date:11/07/26

The score is supported most by improved profitability, moderate leverage, and an attractive P/E ratio. Weak cash-flow conversion limits the financial score, while technical momentum is positive but not strong enough to materially raise the overall result.

Positive Factors

Profitability RecoveryThe sharp rebound in net income and margins indicates that the bank recovered meaningful earnings power in 2025. If profitability remains nearer this improved level, it can support stronger internal capital formation, resilience, and continued investment across community banking services.

Negative Factors

Limited Revenue GrowthFlat revenue means the 2025 earnings recovery was not accompanied by meaningful top-line expansion. Without sustained growth in lending, deposits, fees, or other banking income, future profit improvement may depend more heavily on margins and cost performance than on expanding business volume.

W.T.B. Financial (WTBFB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $1.16B
Dividend Yield: 2.01%
Average Volume (3M): 1,281
Price to Earnings (P/E): 9.1
Beta (1Y): 0.19
Revenue Growth: 4.11%
EPS Growth: 48.39%
Country: US
Employees: 1,225
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 responsibilit...

How the Company Makes Money

The company primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is produced by charging interest on loans and other interest-earning assets (e.g., commercial, cons...

W.T.B. Financial Financial Statement Overview

Summary

Revenue and profitability improved, with 2025 net profit margin rising to 17% and ROE to 9.4%. However, cash-flow conversion is weak and the prior leverage spike remains a risk.

Income Statement

82Very Positive

Balance Sheet

65Positive

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	581.44M	564.21M	563.79M	495.11M	394.03M	376.49M
Gross Profit	469.40M	422.42M	353.97M	342.33M	381.30M	366.91M
EBITDA	157.66M	120.29M	78.92M	79.43M	154.52M	136.51M
Net Income	122.71M	93.74M	55.80M	55.85M	114.05M	100.03M
Balance Sheet
Total Assets	10.69B	10.69B	10.74B	11.45B	10.42B	11.09B
Cash, Cash Equivalents and Short-Term Investments	109.45M	711.33M	574.97M	1.15B	393.87M	2.05B
Total Debt	409.17M	578.02M	539.67M	1.93B	13.46M	37.25M
Total Liabilities	9.62B	9.69B	9.80B	10.55B	9.56B	10.26B
Stockholders Equity	1.06B	1.00B	934.18M	897.44M	867.13M	832.95M
Cash Flow
Free Cash Flow	0	89.67M	29.48M	109.62M	112.22M	49.72M
Operating Cash Flow	0	107.91M	40.51M	116.19M	120.78M	129.53M
Investing Cash Flow	0	66.39M	716.47M	-1.03B	672.15M	-1.38B
Financing Cash Flow	0	-172.71M	-765.91M	924.57M	-741.03M	1.18B

W.T.B. Financial Technical Analysis

Technical Analysis SentimentPositive

Last Price461.30

Price Trends

50DMA460.24Positive

100DMA444.01Positive

200DMA415.74Positive

Market Momentum

MACD0.71Positive

RSI54.12Neutral

STOCH52.66Neutral

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 461.30 is above the 20-day moving average (MA) of 460.27, above the 50-day MA of 460.24, and above the 200-day MA of 415.74, indicating a bullish trend. The MACD of 0.71 indicates Positive momentum. The RSI at 54.12 is Neutral, neither overbought nor oversold. The STOCH value of 52.66 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

WTBFB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCNE	80Outperform	$1.07B	9.38	13.07%	2.09%	26.23%	91.50%
CPF	77Outperform	$995.10M	11.67	14.75%	2.97%	4.07%	36.59%
BFST	75Outperform	$1.06B	11.63	9.71%	1.84%	7.18%	7.94%
MBWM	70Outperform	$1.06B	10.91	12.91%	2.55%	5.40%	6.38%
WTBFB	68Neutral	$1.12B	9.07	11.91%	2.01%	4.11%	48.39%
SBSI	64Neutral	$1.05B	10.52	11.56%	4.15%	8.56%	43.89%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

WTBFB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
WTBFB	W.T.B. Financial Corporation Class B	461.30	127.13	38.04%
CCNE	Cnb Financial	35.85	11.47	47.06%
CPF	Central Pacific Financial	38.99	10.21	35.49%
MBWM	Mercantile Bank	61.22	16.99	38.43%
SBSI	Southside Bancshares	34.94	7.44	27.06%
BFST	Business First Bancshares	32.56	7.83	31.68%

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.

Date of analysis: Nov 07, 2026

W.T.B. Financial AI Stock Analysis