Provides retail banking services to individuals. Offers commercial banking solutions to businesses. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
The market pays 11.9× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 87% of them.
Analysts' average target sits 4% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 43% — still a thick cushion, though costs have been eating into it lately.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
Over the last 12 months, company executives reported 12 buys and 11 sells. Management buying with its own money is usually read as a good sign.
The growth engine is running at low revs right now. Report-card grade: 48/100.
On our five-subject report card, WABC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: WABC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.