W.T.B. Financial Corporation (WTBFA) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
W.T.B. Financial Corporation (WTBFA) trades at $680.00 with AI Score 53/100 (Grade B). W. T. B. Market cap: $1.01B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for WTBFA: WTBFA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates WTBFA against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
WTBFA: 1/3 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
W.T.B. Financial Corporation (WTBFA) Financial Services Profile
W.T.B. Financial Corporation, established in 1902, operates as a regional bank holding company offering diverse financial services, including banking, asset management, and trust services. With a focus on the Pacific Northwest, the company maintains a community-oriented approach while navigating the competitive financial landscape, reflected in its $1.01B market cap and 2.43% dividend yield.
What Is the Investment Thesis for WTBFA?
W.T.B. Financial Corporation presents a stable investment profile within the regional banking sector. The company's consistent profitability, indicated by a 16.6% profit margin and a P/E ratio of 9.88, suggests financial health. A dividend yield of 2.43% offers income potential for investors. Growth catalysts include expansion of digital banking services and strategic lending initiatives within its regional footprint. Potential risks include sensitivity to interest rate fluctuations and competition from larger national banks and fintech companies. The company's beta of 0.14 suggests lower volatility compared to the broader market. Maintaining its regional focus and customer relationships will be crucial for sustained growth.
Based on FMP financials and quantitative analysis
WTBFA Key Highlights
Market capitalization of $1.01B reflects the company's size and market value within the regional banking sector.
- P/E ratio of 9.88 indicates a potentially undervalued stock compared to its earnings.
- Profit margin of 16.6% demonstrates efficient operations and profitability.
- Gross margin of 74.9% suggests a strong ability to manage costs associated with its financial products and services.
- Dividend yield of 2.43% provides a steady income stream for investors.
Who Are WTBFA's Competitors?
WTBFA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FBAK First National Bank Alaska | $338.00 | +0.90% | $1.07B | 49 |
| FMBL Farmers & Merchants Bank of Long Beach | $9800.00 | +0.00% | $1.18B | 58 |
| FMCB Farmers & Merchants Bancorp | $1450.00 | -3.65% | $1.00B | 51 |
| HACBY The Hachijuni Bank, Ltd. | $32.27 | +0.00% | $7.35B | 56 |
| HBIA Hills Bancorporation | $47.30 | -3.47% | $3.31B | 49 |
| CFFN Capitol Federal Financial, Inc. | $8.54 | +0.53% | $1.05B | 93 |
| CAC Camden National Corporation | $56.50 | -0.26% | $956M | 93 |
| THFF First Financial Corporation | $79.07 | +0.32% | $940M | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WTBFA's Key Strengths?
Strong regional presence in the Pacific Northwest.
- Diversified financial services offerings.
- Established customer relationships.
- Conservative lending practices.
What Are WTBFA's Weaknesses?
Limited geographic diversification.
- Smaller scale compared to national banks.
- Dependence on regional economic conditions.
- OTC market listing may limit investor access.
What Could Drive WTBFA Stock Higher?
Expansion of digital banking services to attract new customers and enhance customer experience.
- Strategic lending initiatives targeting specific sectors within the Pacific Northwest region.
- Growth in wealth management services to cater to high-net-worth individuals and families.
- Potential partnerships with fintech companies to offer innovative financial products and services.
- Geographic expansion within the Pacific Northwest region to increase market share.
What Are the Key Risks for WTBFA?
Financial-distress signal — its Altman Z-Score of 0.29 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger national banks and fintech companies.
- Interest rate fluctuations impacting net interest margin.
- Regulatory changes affecting the banking industry.
- Economic downturns in the Pacific Northwest region.
- OTC market listing may limit investor access and increase volatility.
What Are the Growth Opportunities for WTBFA?
- Expansion of Digital Banking Services: W.T.B. Financial Corporation can capitalize on the growing demand for digital banking solutions. By enhancing its online and mobile banking platforms, the company can attract and retain customers seeking convenient and accessible financial services. This includes features such as mobile check deposit, online account opening, and personalized financial management tools. The global digital banking market is projected to reach $1.61 trillion by 2027, presenting a significant opportunity for growth.
- Strategic Lending Initiatives: Focusing on specialized lending products, such as SBA loans and commercial real estate financing, can drive revenue growth. By targeting specific sectors and industries within its regional footprint, W.T.B. Financial Corporation can leverage its local market knowledge and expertise. This includes offering tailored financing solutions to small businesses and entrepreneurs. The U.S. Small Business Administration guaranteed $34.7 billion in loans in 2023, indicating a substantial market for SBA lending.
- Wealth Management Services Expansion: Growing its wealth management division by offering comprehensive investment and financial planning services can attract high-net-worth individuals and families. This includes services such as retirement planning, estate planning, and investment management. By providing personalized advice and tailored solutions, W.T.B. Financial Corporation can build long-term relationships with clients. The global wealth management market is projected to reach $145.7 trillion by 2030, presenting a significant growth opportunity.
- Geographic Expansion within the Pacific Northwest: Expanding its branch network and service offerings within the Pacific Northwest region can increase market share and customer base. By strategically locating branches in underserved areas and offering specialized services tailored to local needs, W.T.B. Financial Corporation can strengthen its regional presence. This includes targeting specific demographic groups and industries within each market. The Pacific Northwest region is experiencing steady economic growth, creating opportunities for financial institutions.
- Partnerships with Fintech Companies: Collaborating with fintech companies to offer innovative financial products and services can enhance the company's competitive edge. This includes partnerships for digital payments, online lending, and financial management tools. By integrating fintech solutions into its existing platform, W.T.B. Financial Corporation can attract tech-savvy customers and improve operational efficiency. The fintech market is projected to reach $698.48 billion in 2030, indicating a significant opportunity for collaboration.
What Are WTBFA's Competitive Advantages?
- Long-standing reputation and brand recognition in the Pacific Northwest.
- Established customer relationships and local market knowledge.
- Comprehensive suite of financial services catering to diverse customer needs.
- Conservative lending practices and risk management.
What Does WTBFA Do?
Founded in 1902 and headquartered in Spokane, Washington, W.T.B. Financial Corporation functions as the bank holding company for Washington Trust Bank. The bank provides a wide array of financial services tailored to both corporate and individual clients. Its core offerings encompass traditional banking services such as checking, savings, and money market accounts, alongside specialized products like health savings and individual retirement accounts. The bank also provides a range of lending options, including home, auto, and commercial loans, as well as lines of credit. Over the years, W.T.B. Financial Corporation has expanded its services to include investment products and wealth management. These services include retirement planning, mutual funds, stocks and bonds, and insurance products. Wealth management services cover investment management, estate settlement, and trust administration. The company operates through 42 branches across Washington, Idaho, and Oregon, emphasizing a regional presence and personalized service. W.T.B. Financial Corporation distinguishes itself through its long-standing history and commitment to serving the financial needs of its customers in the Pacific Northwest.
What Products and Services Does WTBFA Offer?
- Provides traditional banking services, including checking and savings accounts.
- Offers a range of lending products, such as home, auto, and commercial loans.
- Provides wealth management services, including investment management and retirement planning.
- Offers trust and estate administration services.
- Provides digital banking services through online and mobile platforms.
- Offers merchant services for businesses.
- Provides treasury management services for corporate clients.
How Does WTBFA Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Derives income from investment products and services.
What Industry Does WTBFA Operate In?
W.T.B. Financial Corporation operates within the regional banking industry, which is characterized by increasing competition from larger national banks and the rise of fintech companies. The industry is influenced by factors such as interest rate changes, regulatory requirements, and economic conditions. Regional banks like W.T.B. Financial Corporation differentiate themselves through personalized customer service and local market knowledge. The industry is seeing a trend toward digital banking solutions and mobile platforms, requiring companies to invest in technology to remain competitive. The U.S. banking industry is projected to reach $779.30 billion in 2026.
Who Are WTBFA's Key Customers?
- Individual consumers seeking banking and financial services.
- Small businesses requiring loans and banking solutions.
- High-net-worth individuals seeking wealth management services.
- Corporate clients needing treasury management and commercial lending.
Company Profile
W.T.B. Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Spokane, US. The company is led by CEO Peter F. Stanton. WTBFA has traded publicly since 2012.
W.T.B. Financial Corporation Financial Trajectory
W.T.B. Financial Corporation (WTBFA) reported $147.7M in revenue for Q2 2026, reflecting 4.0% growth compared to the prior quarter. The company recorded net income of $30.4M, with diluted EPS of $12.63. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, WTBFA averaged $12.31 in diluted EPS.
How W.T.B. Financial Corporation Is Valued
W.T.B. Financial Corporation carries a market capitalization of $1.01B, placing it in the small-cap category. Relative to its peer group, WTBFA's quantitative score of 53/100 is roughly in line with the peer average of 53/100.
Key Financial Metrics
Return on equity for W.T.B. Financial Corporation stands at 11.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. WTBFA trades at a trailing price-to-earnings ratio of 9.24, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.65 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
W.T.B. Financial Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.29 places it in the distress zone, a signal of elevated financial risk.
WTBFA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, potentially signaling confidence in the company's future prospects.
- The community buzz seems optimistic about WTBFA's new strategic partnerships and their potential to unlock new revenue streams.
- WTBFA's focus on community banking resonates well in the current market, offering a stable alternative to larger, more complex institutions.
- Positive market perception around WTBFA's commitment to local investment could drive long-term growth and customer loyalty.
Bear Case
- Mixed community sentiment suggests some doubt about the long-term sustainability of WTBFA's current growth rate.
- Recent market developments indicate increased regulatory scrutiny on regional banks, which could impact WTBFA's operational flexibility.
- Despite positive sentiment, some community members express concern about WTBFA's ability to compete with larger banks in the digital space.
- Insider activity, while showing buying, also includes some selling, potentially indicating mixed opinions on the company's near-term performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $148M | $30M | $12.63 |
| Q1 2026 | $142M | $32M | $13.31 |
| Q4 2025 | $145M | $30M | $12.26 |
| Q3 2025 | $145M | $27M | $11.03 |
Based on FMP financials and quantitative analysis
WTBFA Latest News
No recent news available for WTBFA.
WTBFA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WTBFA.
Price Targets
Wall Street price target analysis for WTBFA.
WTBFA MoonshotScore
What does this score mean?
The MoonshotScore rates WTBFA 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Peter F. Stanton
CEO
Peter F. Stanton serves as the CEO of W.T.B. Financial Corporation, leading a team of 1184 employees. His career reflects extensive experience in the financial services industry. He has held various leadership positions within the company, contributing to its strategic direction and growth. Stanton's background includes a strong focus on community banking and customer relationship management. His expertise encompasses financial planning, investment management, and risk assessment.
Track Record: Under Peter F. Stanton's leadership, W.T.B. Financial Corporation has maintained a consistent growth trajectory, focusing on expanding its regional presence and enhancing its digital banking capabilities. Key achievements include navigating the evolving regulatory landscape and maintaining a strong financial performance. His strategic decisions have contributed to the company's stability and long-term success.
WTBFA OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that W.T.B. Financial Corporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial information available to the public and may be subject to less regulatory oversight compared to companies listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk and greater potential for volatility.
- OTC Tier: OTC Other
- Limited financial disclosure may hinder informed investment decisions.
- Lower trading volumes can lead to price volatility.
- Wider bid-ask spreads can increase transaction costs.
- OTC listing may indicate higher risk compared to exchange-listed stocks.
- Potential for fraud or manipulation is higher on the OTC market.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes involving the company.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Long operating history since 1902 suggests stability.
- Physical presence with 42 branches in multiple states.
- Provides comprehensive banking and financial services.
- Operates as a bank holding company for Washington Trust Bank.
Common Questions About WTBFA (Financial Services)
What does the AI Score mean for WTBFA?
WTBFA holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. W.T.B. Financial Corporation, through Washington Trust Bank, provides a comprehensive suite of financial services. Operating across Washington, Idaho, and Oregon, the company focuses on banking …
What does W.T.B. Financial Corporation do?
W.T.B. Financial Corporation operates as the bank holding company for Washington Trust Bank, providing a comprehensive suite of financial services to corporate and individual customers. These services include traditional banking products like checking and savings accounts, lending solutions such as home and commercial loans, and wealth management services encompassing investment management and retirement planning.
What are the main risks for WTBFA?
W.T.B. Financial Corporation faces several risks inherent to the banking industry and its specific market position. Competition from larger national banks and the rise of fintech companies pose ongoing challenges. Interest rate fluctuations can impact the company's net interest margin and profitability. Regulatory changes and economic downturns in the Pacific Northwest region could also affect its financial performance.
What are the key factors to evaluate for WTBFA?
W.T.B. Financial Corporation (WTBFA) holds an AI score of 53/100 (moderate). Financial Corporation presents a stable investment profile within the regional banking sector. Not financial advice.
How frequently does WTBFA data refresh on this page?
WTBFA's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven WTBFA's recent stock price performance?
W.T.B. Financial Corporation (WTBFA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in the Pacific Northwest. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WTBFA overvalued or undervalued right now?
W.T.B. Financial Corporation (WTBFA) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research WTBFA before investing?
Before investing in W.T.B. Financial Corporation (WTBFA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding WTBFA to a portfolio?
Key strength of W.T.B. Financial Corporation (WTBFA): Strong regional presence in the Pacific Northwest. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may have limited availability and reliability.
- AI analysis pending for more comprehensive insights.