Wilson Bank Holding Co

Earnings Score

Market Cap $2.06B
PE 39
Debt $NaN
Cash $21.71M
EV $NaN
FCF $68.54M

Earnings

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Sales & Net Margins

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Earnings	$52.81M
EBIT	$67.95M
ROE	11%
ROA	1%
FCF	$68.54M
Equity	$483.48M
Growth Stability	100%
PE	39.04
PEG	4.27
PB	4.26
P/FCF	30.08
Price/Cash	0.01
Net Margins	628%
Earnings CAGR	12%
Sales Growth YoY	-0%
Sales Growth QoQ	-25%
FCF CAGR	18%
Equity CAGR	8%
Earnings Stability	0.91

Earnings Growth YoY	10%
Earnings Growth QoQ	-21%
Earnings CAGR 5Y	9%
FCF CAGR 5Y	25%
Equity CAGR 5Y	5%
FCF CAGR 3Y	9%
Equity CAGR 3Y	8%
Market Cap	$2.06B
Dividend Yield	1%
Payout Ratio	39%
Assets	$5.25B
Cash	$21.71M
Shares Outstanding	11.78M
Earnings Score	94%
Shares Growth 3y	2%
Equity Growth QoQ	8%
Equity Growth YoY	26%

Assets & ROA

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Stockholders Equity & ROE

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Wilson Bank Holding Co is a Tennessee-based bank holding company of Wilson Bank and Trust. Its banking operations are conducted mainly through its bank subsidiary which includes a range of banking services, including checking, savings, and money market deposit accounts, certificates of deposit and loans for consumer, commercial and real estate purposes and also offers custodial, trust and discount brokerage services to its customers. The company operates primarily in Wilson, DeKalb, Smith, Rutherford, Putnam, and Sumner counties and the surrounding counties. It earns its revenue from interest and deposits income.

SEC Filings

Direct access to Wilson Bank Holding Co (WBHC) 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 Wilson Bank Holding Co compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Wilson Bank Holding Co compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 12%

Stability 91%

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Wilson Bank Holding Co Discounted Cash Flow

Fully customizable DCF calculator online for Wilson Bank Holding Co.

Years

Calculation mode

= $2.3B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$69M	$81M	$95M	$112M	$131M	$154M	$181M	$213M	$251M	$295M	$347M	$3.5B
DCF		$73M	$78M	$84M	$90M	$96M	$102M	$110M	$117M	$125M	$134M	$1.3B
Value	$2.3B

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.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-	628%
ROA	-	2%	2%	2%	2%	2%	1%	2%	2%	1%	1%
ROE	-	11%	10%	9%	11%	11%	10%	12%	15%	11%	11%

Good Net Margins (628.07%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

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.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%	100%	100%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

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.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	15%	7%	-8%	39%	11%	7%	28%	7%	-8%	9%
Equity YoY growth	-	11%	9%	9%	10%	14%	13%	9%	-13%	19%	5%
FCF YoY growth	-	22%	3%	39%	10%	-9%	60%	9%	30%	19%	25%