W.T.B. Financial Corporation (WTBFA) Fair Value & Analysis
Financial Services · US · Market cap $1.7B
W.T.B. Financial Corporation
WTBFA · US
Fair value as of: Jul 27, 2026
From 6 valuation models · updated 14 days ago
Fair value updated Jul 27, 2026, revised from $496.88 to $494.78 (−0.4%) since Jun 26, 2026. Share price −14.3% over the past month.
A solid business, but screening 18% overvalued on our models.
What matters now
- Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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. As of Jul 27, 2026.
How to read this chart
60‑month range $264.39 – $1,443 · fair‑value band $371.09 – $618.48 · the $600.00 price screens above the $494.78 fair value. As of Jul 27, 2026.
Analysis
W.T.B. Financial Corporation (WTBFA) currently trades at $600.00, while our model-based Fair Value estimate is $494.78, implying the stock looks roughly 17.5% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, W.T.B. Financial Corporation generated revenue of $448M at a net margin of 24.3%. Revenue grew 24.8% year over year. It earns a return on equity of 11.1%. The balance sheet holds a net cash position of $133M. Fundamentals as of Jul 27, 2026
Our scenario range runs from $371.09 (bear case) to $618.48 (bull case); at $600.00, 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 17% below its 52-week high and 10% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -18%, WTBFA screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.
All 6 models by family
Widest divergence: Multiples ($494.78) versus Dividend Discount ($117.70). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 40
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.
About the company
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 in the United States.
Full 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 in the United States. The company offers deposit products, including checking, savings, money market, health savings, retirement, and individual retirement accounts, as well as certificates of deposit. It also provides credit and debit cards; personal loans, such as auto and toy, personal lines of credit and term, home equity line of credit, and home equity loans; home loans; business loans comprising equipment lending, commercial real estate, agricultural, and SBA lending; mortgage loans, including first-time home buyers loans, manufactured home loans, refinance, and jumbo loans. In addition, the company offers trade finance products; standby letter of credit; foreign exchange products; foreign accounts receivable insurance; and SBA export loan guaranty programs; small business banking; and wealth management services, such as investment management, charitable and nonprofit administration, estate settlement, family office, trust administration, retirement planning, employee benefits administration, and custody and safekeeping services, as well as portfolio management services. Further, it provides fraud detection and prevention, identity and overdraft protection, and online and mobile security services; and investment services, including retirement planning, mutual fund, stock and bond, life and long-term care insurances, annuities, brokerage, fee-based planning, and education funding; and online and mobile banking services. W.T.B. Financial Corporation was founded in 1902 and is headquartered in Spokane, Washington.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
W.T.B. Financial Corporation reported revenue of $564M in FY2025 versus $376M in FY2021, a compound +10.6%/yr. Reported net income was $93.7M in FY2025, compounding −1.6%/yr from FY2021.
WTBFA screens 18% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 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 Banks - Regional median · lower = cheaper
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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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