Western Pacific Trust Company (WP) Fair Value & Analysis
Financial Services · CA · Market cap C$3.3M (≈ $2.4M)
What is Western Pacific Trust Company really worth?
A solid business, but trading 25% above our fair value of C$0.1200.
As of Aug 19, 2026, the fair value of Western Pacific Trust Company is C$0.1200 per share against a price of C$0.1500, so the fair value sits 20% below the price. A model estimate blended from multiple valuation models, recalculated regularly.
Strengths
Risks
Fair value as of: Aug 19, 2026
From 13 valuation models · updated 17 days ago
Share price +3.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range C$0.0918 – C$0.4404 · fair‑value band C$0.0900 – C$0.1500 · the C$0.1500 price screens above the C$0.1200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Western Pacific Trust Company (WP) currently trades at C$0.1500, while our model-based Fair Value estimate is C$0.1200, implying the stock looks roughly 25.0% overvalued today. The Quality Score stands at 69/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of C$0.2600 per share, and 6 of the 13 models we run sit above the C$0.1500 price. Bear case: the Dividend Discount group reads lowest at C$0.0800, and 7 of the 13 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, Western Pacific Trust Company generated revenue of C$1.9M at a net margin of 13.8%. Revenue grew 8.9% year over year. It earns a return on equity of 8.6%. The stock trades on a trailing P/E of 15.0. Fundamentals as of Aug 19, 2026
Our scenario range runs from C$0.0900 (bear case) to C$0.1500 (bull case); at C$0.1500, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 38% below its 52-week high and 25% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, WP screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly C$0.0068 per share, which is 5.7 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Growth DCF (C$0.2600) versus Dividend Discount (C$0.0800). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 32
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Western Pacific Trust Company, a non-deposit-taking independent trust company, provides various financial services in Canada.
Full company description
Western Pacific Trust Company, a non-deposit-taking independent trust company, provides various financial services in Canada. The company offers self-administered tax-free savings accounts, self-administered registered retirement income funds, and self-administered locked-in retirement accounts; self-administered tax-free savings accounts (TFSA), and registered retirement savings plans and other self-administered accounts. It provides trust, accounting, administrative, corporate secretarial and registrar, and collateral agency services, as well as private health care plans for small business owners. The company was incorporated in 1964 and is headquartered in Vancouver, Canada.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Western Pacific Trust Company reported revenue of C$1.9M in FY2025 versus C$1.1M in FY2021, a compound +13.7%/yr. Reported net income was C$236K in FY2025, compounding −27.3%/yr from FY2021.
WP screens 25% overvalued. Compare with Blackstone Inc →
Peer Group
Asset Management · 695 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Asset Management median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $142.39 | $52.88 | −63% |
| Investor AB INVEB | kr 408.05 | kr 827.56 | +103% |
| Brookfield Corporation BN | C$55.74 | C$10.67 | −81% |
| KKR & Co KKR | $108.68 | $19.97 | −82% |
| Apollo Global Management, Inc APO | $135.04 | $101.04 | −25% |
| State Street Corporation STT | $193.33 | $138.33 | −28% |
| Ameriprise Financial, Inc AMP | $559.32 | $515.24 | −8% |
| Ares Management Corporation ARES | $143.10 | $30.88 | −78% |
| Northern Trust Corporation NTRS | $186.79 | $122.02 | −35% |
| Raymond James Financial, Inc RJF | $181.10 | $142.42 | −21% |
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