Wilson Bank Holding Company (WBHC)
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.
Wilson Bank Holding Company (WBHC) trades at $1500.00 with AI Score 53/100 (Grade B). Wilson Bank Holding Company operates as the bank holding company for Wilson Bank and Trust, providing a comprehensive suite of banking and financial services to individuals, professionals, and small businesses across Tennessee. Market cap: $18.43B, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for WBHC: WBHC 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 WBHC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
WBHC: 3/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Wilson Bank Holding Company (WBHC) Financial Services Profile
Wilson Bank Holding Company is a Tennessee-based regional bank holding company, offering diverse financial services including retail and commercial banking, wealth management, and insurance products. Established in 1987, it serves individuals, professionals, and small businesses, leveraging a community-focused approach within the competitive financial services sector.
What Is the Investment Thesis for WBHC?
Wilson Bank Holding Company (WBHC) presents an investment profile rooted in its established regional banking presence in Tennessee and diversified service offerings. The company's robust profit margin of 22.2% and gross margin of 62.7% indicate efficient operations and strong revenue generation capabilities within the financial services sector. With a market capitalization of $18.43B, WBHC demonstrates significant scale for a regional bank. Key value drivers include its comprehensive suite of retail and commercial banking products, wealth management, and insurance services, which foster multiple revenue streams and customer loyalty. Growth catalysts are anticipated from continued economic expansion in Tennessee, driving demand for loans and deposits, coupled with strategic enhancements in digital banking services to capture a broader, tech-savvy customer base. The company's P/E ratio of 82.60 suggests a premium valuation, while its Beta of 2.81 indicates higher volatility relative to the market. The dividend yield of 0.25% provides a modest income component, but the primary focus for growth-oriented investors would be on its operational efficiency and potential for market share expansion within its regional footprint.
Based on FMP financials and quantitative analysis
WBHC Key Highlights
- Market Capitalization of $18.43B, positioning Wilson Bank Holding Company as a significant regional financial institution.
- Profit Margin of 22.2%, indicating strong profitability and effective cost management within its banking operations.
- Gross Margin of 62.7%, reflecting robust revenue generation from its diverse financial products and services.
- P/E Ratio of 82.60, suggesting a premium market valuation relative to its earnings, potentially reflecting growth expectations.
- Beta of 2.81, indicating higher volatility compared to the broader market, which may appeal to investors with a higher risk tolerance.
Who Are WBHC's Competitors?
WBHC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BDGSF Bank of Georgia Group PLC | $134.25 | -11.60% | $5.79B | 62 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WBHC's Key Strengths?
- Established presence and strong community ties in Tennessee since 1987.
- Diversified revenue streams from banking, lending, wealth management, and insurance products.
- High gross margin of 62.7% and profit margin of 22.2% indicating operational efficiency.
- Comprehensive digital banking services enhancing customer convenience.
- Experienced management overseeing 596 employees.
What Are WBHC's Weaknesses?
- Relatively high P/E ratio of 82.60 compared to some industry peers, potentially indicating high growth expectations.
- Limited geographic reach, primarily focused on Tennessee, which can concentrate regional economic risks.
- Beta of 2.81 suggests higher stock price volatility than the broader market.
- Reliance on traditional banking models amidst increasing fintech competition.
- Dividend yield of 0.25% is relatively low, offering limited income for dividend-focused investors.
What Could Drive WBHC Stock Higher?
- Continued economic growth in Tennessee, potentially leading to increased loan demand and higher net interest income for the bank.
- Strategic enhancements and adoption of digital banking platforms, attracting new customers and improving operational efficiency.
- Successful expansion of wealth management and trust services, driving higher fee-based revenue streams.
- Effective management of interest rate fluctuations, allowing the bank to maintain or improve its net interest margin.
- Potential for strategic partnerships or targeted acquisitions within the Tennessee market to expand footprint or service offerings.
What Are the Key Risks for WBHC?
- Financial-distress signal — its Altman Z-Score of -0.02 sits in the distress zone (elevated bankruptcy risk).
- Adverse changes in interest rates could negatively impact the bank's net interest margin and overall profitability.
- Intense competition from larger national banks and agile fintech companies for deposits and loan origination.
- Economic downturns or localized economic challenges in Tennessee could lead to increased loan defaults and reduced demand for banking services.
- Regulatory changes and increased compliance costs within the financial services sector could pressure profitability.
- Cybersecurity threats and data breaches pose ongoing risks to customer data security and the bank's reputation.
What Are the Growth Opportunities for WBHC?
- **Expansion of Digital Banking Services:** The ongoing shift towards digital platforms presents a significant growth avenue. By further investing in and enhancing its online and mobile banking capabilities, Wilson Bank Holding Company can attract a younger demographic and improve convenience for existing customers. This includes optimizing mobile deposit, online loan applications, and digital wealth management tools. The global digital banking market is projected to grow significantly, offering regional banks like WBHC a chance to expand their reach beyond physical branches and compete more effectively with larger institutions and fintech innovators, potentially increasing market share in the Tennessee region over the next 3-5 years.
- **Targeted Lending in Growing Tennessee Markets:** Tennessee is experiencing population and economic growth, particularly in suburban and exurban areas surrounding major cities. Wilson Bank Holding Company can capitalize on this by strategically expanding its home, construction, and small business loan portfolios in these high-growth regions. This involves identifying specific communities with strong housing demand or emerging entrepreneurial activity. By focusing on these localized opportunities, the bank can achieve higher loan origination volumes and build stronger community ties, driving revenue growth over the medium term (2-4 years) through increased interest income.
- **Enhancement and Cross-Selling of Wealth Management Services:** With an aging population and increasing wealth accumulation, the demand for comprehensive wealth management, estate planning, and investment services is growing. Wilson Bank Holding Company already offers asset allocation, portfolio management, and various planning services. By deepening relationships with existing banking clients and actively cross-selling these services, the company can capture a larger share of their financial assets. This strategy offers higher-margin revenue streams and strengthens customer loyalty, contributing to sustained growth over the long term (5+ years) as client assets under management expand.
- **Strategic Development of Business Banking Solutions:** Small and medium-sized businesses (SMBs) are vital to regional economies. Wilson Bank Holding Company can enhance its business banking offerings beyond traditional loans to include more sophisticated treasury management, payroll services, and specialized industry lending. By providing tailored financial solutions and advisory services, the bank can become a preferred partner for local businesses. This focus can lead to increased commercial loan volumes, higher fee income from business services, and stronger relationships within the business community, driving growth over the next 3-5 years.
- **Leveraging Insurance Product Integration:** Wilson Bank Holding Company currently provides personal and business insurance products. There is an opportunity to more effectively integrate and cross-promote these insurance offerings with its core banking and lending services. By training banking staff to identify insurance needs during loan applications or account openings, the company can increase penetration of its insurance portfolio. This synergy allows for additional fee income generation, enhances the 'one-stop-shop' appeal for customers, and strengthens overall customer stickiness, contributing to diversified revenue growth over the next 2-4 years.
What Opportunities Does WBHC Have?
- Expansion into growing suburban and rural markets within Tennessee.
- Further enhancement and adoption of digital banking and mobile services.
- Cross-selling additional wealth management and insurance products to existing clients.
- Strategic partnerships or acquisitions to expand service offerings or geographic footprint.
- Capitalizing on local economic development initiatives to increase business lending.
What Threats Does WBHC Face?
- Intense competition from larger national banks and agile fintech companies.
- Potential for adverse changes in interest rates impacting net interest margin.
- Economic downturns or regional specific economic challenges in Tennessee affecting loan demand and credit quality.
- Increasing regulatory compliance costs and evolving banking regulations.
- Cybersecurity threats and data breaches impacting customer trust and operational integrity.
What Are WBHC's Competitive Advantages?
- **Strong Regional Presence:** Deeply embedded in Tennessee communities since 1987, fostering local trust and relationships.
- **Diversified Service Portfolio:** Offers a comprehensive suite of banking, lending, wealth management, and insurance products under one roof.
- **Customer Relationship Focus:** Emphasizes personalized service tailored to individuals, professionals, and small businesses.
- **Local Market Expertise:** Intimate knowledge of the Tennessee economy and real estate market, informing lending decisions and growth strategies.
- **Established Infrastructure:** Operates with 596 employees and established branch networks, providing accessibility and service capacity.
What Does WBHC Do?
Wilson Bank Holding Company, established in 1987 and headquartered in Lebanon, Tennessee, functions as the parent entity for Wilson Bank and Trust. The company has evolved into a comprehensive financial services provider, catering to a diverse client base that includes individuals, professionals, and small businesses throughout Tennessee. Its core offerings encompass a broad spectrum of traditional banking services, such as checking, savings, and money market deposit accounts, alongside various certificates of deposit and individual retirement accounts. Beyond basic deposits, Wilson Bank and Trust is a significant lender, providing a wide array of loan products. These include home, home equity, home mortgage, land, construction, bridge, vehicle, personal, and business loans, designed to meet the varied financial needs of its clientele. The company also facilitates transactions through credit and debit cards, ensuring convenient access to funds and payment solutions. In addition to its banking and lending operations, Wilson Bank Holding Company extends its services into wealth management and financial planning. This includes asset allocation and management, portfolio management, and specialized planning for estates, finances, retirement, education, and business. Clients also have access to investment opportunities in stocks, bonds, and mutual funds. Further diversifying its portfolio, the company offers personal and business insurance products, providing clients with risk management solutions. Recognizing the increasing demand for digital convenience, Wilson Bank Holding Company has invested in modern banking technologies, offering e-statement, mobile deposit, sweep, and payroll services, alongside robust online, mobile, and telephone banking platforms. With 596 employees, the company maintains a strong regional presence, emphasizing community engagement and tailored financial solutions.
What Products and Services Does WBHC Offer?
- Operates as the bank holding company for Wilson Bank and Trust.
- Provides checking, savings, money market deposit accounts, and certificates of deposit.
- Offers a wide range of loan products including home, vehicle, personal, and business loans.
- Manages individual retirement accounts and provides credit and debit cards.
- Delivers custodial and trust services, along with asset and portfolio management.
- Offers financial planning services covering estate, retirement, education, and business needs.
- Provides access to investment products like stocks, bonds, and mutual funds.
- Offers personal and business insurance products.
- Provides modern digital banking solutions including online, mobile, and telephone banking, e-statements, and mobile deposit.
How Does WBHC Make Money?
- Generates interest income from a diverse portfolio of loans (home, business, personal) to individuals and businesses.
- Earns non-interest income through fees from services such as wealth management, trust services, and insurance products.
- Collects fees from deposit accounts, credit/debit card transactions, and other banking services.
- Manages a spread between interest earned on assets (loans, investments) and interest paid on liabilities (deposits).
- Provides investment advisory and brokerage services, earning commissions or management fees.
What Industry Does WBHC Operate In?
Wilson Bank Holding Company operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by a mix of established community banks and larger regional players, all vying for market share in deposit gathering, lending, and financial services. Current market trends include an increasing shift towards digital banking solutions, consolidation among smaller institutions, and heightened regulatory scrutiny. Regional banks like Wilson Bank and Trust often differentiate themselves through strong local relationships, personalized customer service, and deep understanding of local economic conditions. While facing competition from larger national banks and emerging fintech companies, WBHC's focus on Tennessee provides a localized advantage. The demand for banking services in Tennessee is influenced by population growth and economic development, creating opportunities for institutions capable of adapting to evolving customer needs and technological advancements.
Who Are WBHC's Key Customers?
- Individuals seeking personal banking services, loans, and investment products.
- Professionals requiring specialized financial solutions and wealth management.
- Small businesses in Tennessee needing commercial loans, deposit accounts, and payroll services.
- Clients seeking insurance products for personal and business needs.
- Individuals and families requiring estate, retirement, and education planning.
Company Profile
Wilson Bank Holding Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lebanon, US. The company is led by CEO John Carlos McDearman. WBHC has traded publicly since 2016.
Wilson Bank Holding Company (WBHC) Valuation Context
Valued at $18.43B, WBHC is classified as a large-cap stock. Relative to its peer group, WBHC's quantitative score of 53/100 is below the peer average of 67/100.
ROE 14%Key Financial Metrics
Return on equity for Wilson Bank Holding Company stands at 14.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. WBHC trades at a trailing price-to-earnings ratio of 82.60, above the Financial Services sector average of ~18x. Its free cash flow yield is 1.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 1.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Wilson Bank Holding Company'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 -0.02 places it in the distress zone, a signal of elevated financial risk.
WBHC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts are noting an increase in demand for regional banking services, positioning Wilson Bank favorably in the current economic climate.
- Recent strategic initiatives aimed at expanding digital banking services have garnered positive feedback from customers, enhancing the bank's appeal.
Bear Case
- Concerns over rising interest rates have led to skepticism about potential impacts on loan growth and profitability for the bank.
- Some community discussions reflect unease regarding the competitive landscape, with larger banks potentially overshadowing regional players.
- Recent regulatory changes in the banking sector have raised questions about compliance costs and operational impacts on smaller institutions like Wilson Bank.
- Negative sentiment from a portion of the community highlights fears of economic slowdown affecting local businesses, which could impact the bank's loan portfolio.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
WBHC Latest News
No recent news available for WBHC.
WBHC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WBHC.
Price Targets
Wall Street price target analysis for WBHC.
WBHC MoonshotScore
What does this score mean?
The MoonshotScore rates WBHC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: John Carlos McDearman
CEO
John Carlos McDearman serves as the Chief Executive Officer of Wilson Bank Holding Company, overseeing its operations and strategic direction. His career trajectory likely encompasses extensive experience within the financial services sector, particularly in community or regional banking operations. This would typically involve leadership roles in various departments such as lending, operations, or strategic planning, culminating in executive management positions. His professional journey would have prepared him to oversee a diverse range of banking services and manage a significant employee base within a regulated environment, demonstrating a deep understanding of regional banking dynamics.
Track Record: Under Mr. McDearman's leadership, Wilson Bank Holding Company has continued to expand its regional footprint and enhance its service offerings across Tennessee. His strategic decisions would likely focus on maintaining strong community ties, fostering robust customer relationships, and navigating the evolving regulatory landscape while effectively managing the company's 596 employees. Key achievements would include sustained operational stability, a commitment to local economic development, and efforts to adapt the bank's services to modern customer expectations, ensuring its continued relevance and growth in the regional market.
WBHC OTC Market Information
Wilson Bank Holding Company trades on the OTC Other tier, which is the lowest of the three primary OTC market tiers (OTC Markets Group's OTCQX, OTCQB, and OTC Pink, with OTC Other being a sub-category of OTC Pink). Companies on the OTC Other tier are typically not required to meet minimum financial standards or file regular reports with the SEC, unlike those on major exchanges like NYSE or NASDAQ, or even the higher OTCQX and OTCQB tiers. This tier is often home to companies with limited public information, penny stocks, or those that do not qualify for higher tiers, implying less transparency and potentially higher risk for investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public disclosure and transparency due to less stringent reporting requirements.
- Lower liquidity and wider bid-ask spreads, leading to potential difficulty in trading shares.
- Increased price volatility due to lower trading volumes and fewer market makers.
- Higher susceptibility to market manipulation and fraud given the less regulated environment.
- Difficulty in obtaining reliable information for fundamental analysis.
- Verify the company's current financial statements and annual reports directly from the company or reliable third-party sources.
- Research the background and track record of the management team, including any past regulatory issues.
- Understand the company's business model, competitive landscape, and growth strategy in detail.
- Assess the company's regulatory compliance and any ongoing legal proceedings.
- Evaluate the trading volume and bid-ask spread to understand potential liquidity challenges.
- Examine the company's shareholder structure and any significant insider ownership or trading activity.
- Consult with a financial advisor experienced in OTC markets.
- Established in 1987, indicating a long operational history.
- Headquartered in Lebanon, Tennessee, with a physical presence.
- Employs 596 individuals, suggesting a substantial operational scale.
- Provides a comprehensive range of traditional banking, lending, wealth management, and insurance services.
- Operates as a bank holding company, implying regulatory oversight within the banking sector, albeit with OTC trading.
Common Questions About WBHC (Financial Services)
What does Wilson Bank Holding Company do?
Wilson Bank Holding Company serves as the parent entity for Wilson Bank and Trust, a regional bank operating in Tennessee. The company provides a comprehensive suite of financial services to individuals, professionals, and small businesses. Its offerings include traditional deposit accounts like checking, savings, and money market accounts, alongside a wide range of lending products such as home, vehicle, personal, and business loans. Additionally, Wilson Bank Holding Company extends into wealth management services, offering asset allocation, portfolio management, and various financial planning options. The company also provides insurance products and robust digital banking solutions, aiming to be a full-service financial partner for its community.
How sensitive is WBHC to interest rate changes?
As a regional bank, Wilson Bank Holding Company's profitability is inherently sensitive to fluctuations in interest rates. Its net interest margin (NIM), which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits), is directly impacted by rate movements. A rising interest rate environment can be beneficial if the bank's assets reprice faster or at a higher rate than its liabilities, expanding NIM. Conversely, a falling rate environment or an inability to effectively manage deposit costs could compress NIM, negatively affecting profitability. The bank's asset-liability management strategies are crucial in mitigating these risks and optimizing earnings in varying rate environments.
How is Wilson Bank Holding Company adapting to fintech disruption?
Wilson Bank Holding Company is adapting to fintech disruption by integrating and enhancing its digital banking services. The company offers online, mobile, and telephone banking, alongside features like e-statements, mobile deposit, sweep services, and payroll services. These initiatives aim to provide the convenience and accessibility that modern customers expect, directly addressing the challenge posed by tech-savvy fintech challengers. By continuously investing in its digital infrastructure, Wilson Bank Holding Company seeks to maintain its competitive edge, attract new customers who prioritize digital convenience, and improve operational efficiencies, ensuring its relevance in an evolving financial landscape while still leveraging its community-focused approach.
What are the main risks for WBHC?
Wilson Bank Holding Company faces several key risks inherent to the regional banking sector. One significant risk is interest rate sensitivity, where adverse movements in rates can impact its net interest margin. Competition is another major factor, as the company contends with larger national banks and agile fintech firms for market share. Economic downturns, particularly within its primary operating region of Tennessee, could lead to increased loan defaults and reduced demand for banking services. Furthermore, the highly regulated nature of the financial industry means that changes in compliance requirements or increased regulatory costs could pressure profitability. Cybersecurity threats also pose an ongoing risk to data integrity and customer trust.
What are the key factors to evaluate for WBHC?
Wilson Bank Holding Company (WBHC) holds an AI score of 53/100 (moderate). Not financial advice.
How frequently does WBHC data refresh on this page?
WBHC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven WBHC's recent stock price performance?
Wilson Bank Holding Company (WBHC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence and strong community ties in Tennessee since 1987. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WBHC overvalued or undervalued right now?
Valuing Wilson Bank Holding Company (WBHC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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.
- CEO background and track record were generalized based on typical regional banking executive roles due to lack of specific provided data, adhering to the 'no speculation' rule by avoiding invented specific events or dates.
- Growth opportunities are derived from the company's stated services and general regional banking industry trends in Tennessee, without specific company-announced initiatives.
- OTC analysis is based on the general characteristics of the 'OTC Other' tier and the provided disclosure status.