Originate senior secured loans to private companies. Specialize in lending to the lower middle market segment. Now — the numbers.
This is an established company with proven profits.
An average decline of 8% a year over the last 4 years — the most striking risk in this picture.
The market pays 10.5× 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 100% of them.
Analysts' average target sits 70% above today's price.
Buys outnumber sells, but taken together the trades don’t add up to a strong signal of confidence.
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.
There is growth, but not at top-of-the-class tempo.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades 57% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 38% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
It pays out $1.18 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 8% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 20/100. For a turnaround signal, the stock first needs to close the gap with the market.
No clear buy-side message is coming from the executive floor.
On our five-subject report card, WHF 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: WHF is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.