Washington Trust Bancorp Inc

  • Earnings Score
  • Moat Score
  • Market Cap $620.89M
  • PE 14
  • Debt $NaN
  • Cash $210.74M
  • EV $NaN
  • FCF $45.46M

Earnings

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Sales & Net Margins

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Earnings$45.66M
EBIT$53.60M
ROE9%
ROA1%
FCF$45.46M
Equity$502.23M
Growth Stability66%
PE13.6
PEG-1.58
PB1.24
P/FCF13.66
P/S3.24
Price/Cash0.34
Net Margins22%
Op. Margins28%
Earnings CAGR3%
Sales Growth YoY-1%
Sales Growth QoQ1%
Sales CAGR1%
FCF CAGR0%
Equity CAGR3%
Earnings Stability0.14
Earnings Growth YoY-1%
Earnings Growth QoQ2%
Earnings CAGR 5Y-9%
Sales CAGR 5Y-2%
FCF CAGR 5Y-9%
Equity CAGR 5Y-3%
Earnings CAGR 3Y-7%
Sales CAGR 3Y-7%
FCF CAGR 3Y-39%
Equity CAGR 3Y-3%
Market Cap$620.89M
Revenue$191.57M
Dividend Yield6%
Payout Ratio84%
Assets$7.14B
Cash$210.74M
Shares Outstanding17.05M
Earnings Score7%
Moat Score66%
Shares Growth 3y-1%
Equity Growth QoQ7%
Equity Growth YoY16%

Assets & ROA

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Stockholders Equity & ROE

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Washington Trust Bancorp Inc through its subsidiaries offers banking and financial services to individuals and businesses. It operates in two segments. The Commercial Banking segment includes lending activities, commercial loans, residential real estate loans deposit activities and others. The Wealth Management Services segment consists of investment management, financial planning, personal trust and estate services including services as trustee, personal representative, custodian and guardian, and settlement of decedents estates. The bank generates a majority of its revenue from the Commercial Banking segment.

SEC Filings

Direct access to Washington Trust Bancorp Inc (WASH) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Washington Trust Bancorp Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Washington Trust Bancorp Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 3%
Stability 14%
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Washington Trust Bancorp Inc Discounted Cash Flow

Fully customizable DCF calculator online for Washington Trust Bancorp Inc.

= $460M
012345678910TV
fcf$45M$46M$46M$46M$46M$46M$46M$46M$46M$46M$46M$463M
DCF$41M$38M$34M$31M$28M$26M$24M$22M$20M$18M$178M
Value$460M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Net Margins--26%25%35%34%31%33%33%25%22%
ROA-2%2%2%3%3%2%2%1%1%1%
ROE-12%12%11%15%14%13%14%16%10%9%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Debt over FCF-----------
Debt over Equity-----------
Growth Stability---100%100%100%100%100%100%66%66%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023CAGR 5Y
Revenue YoY growth---5%5%3%13%1%-4%-12%-2%
Earnings YoY growth-7%7%-1%49%1%1%10%-7%-33%-9%
Equity YoY growth-8%4%6%8%12%6%6%-20%4%-3%
FCF YoY growth--2K%21%2%39%-11%-53%194%10%-75%-9%