WSB Financial Group, Inc. (WSFGQ) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerWSB Financial Group, Inc. (WSFGQ) trades at $0.0001. WSB Financial Group, Inc., operating as Westsound Bank, provides commercial banking services in Washington. The bank focuses on real estate, construction, and small to medium-sized business lending. Sector: Financials.
Price as of · Last analyzed: Mar 16, 2026Analyst Coverage for WSFGQ: WSFGQ does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
WSB Financial Group, Inc. (WSFGQ) Financial Services Profile
WSB Financial Group, Inc., through Westsound Bank, offers commercial banking services in Washington, catering to real estate developers, contractors, and small to medium-sized businesses. The bank's deposit products and lending activities, including real estate and commercial loans, position it as a regional player in a competitive banking landscape.
What Is the Investment Thesis for WSFGQ?
WSB Financial Group, Inc. presents a challenging investment case given its negative profitability metrics, including a profit margin of -154.2% and a gross margin of -60.1%. The company's high beta of 9.64 suggests significant volatility relative to the market. Growth prospects are tied to the expansion of its loan portfolio and deposit base within the Washington state region. However, the absence of a dividend yield may deter income-seeking investors. The company's ability to improve its efficiency and profitability will be critical for long-term value creation. Investors should closely monitor the bank's financial performance and its ability to navigate the competitive banking landscape.
Based on FMP financials and quantitative analysis
WSFGQ Key Highlights
Market capitalization of $0.00B indicates a micro-cap status.
- Negative P/E ratio of -0.00 reflects current losses.
- Profit Margin of -154.2% highlights significant challenges in profitability.
- Gross Margin of -60.1% indicates inefficiencies in generating revenue from its services.
- Beta of 9.64 suggests high volatility compared to the broader market.
Who Are WSFGQ's Competitors?
WSFGQ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| OPHC OptimumBank Holdings, Inc. | $9.04 | +4.03% | $110M | 88 5-pillar |
| SBFG SB Financial Group, Inc. | $29.40 | 0.00% | $184M | 90 5-pillar |
| FCAP First Capital, Inc. | $62.90 | +1.45% | $210M | 88 5-pillar |
| HWBK Hawthorn Bancshares, Inc. | $38.63 | +1.02% | $267M | 89 5-pillar |
| FXNC First National Corporation | $30.06 | +1.45% | $272M | 88 5-pillar |
| ATLO Ames National Corporation | $32.36 | +1.99% | $287M | 91 5-pillar |
| BPRN Princeton Bancorp, Inc. | $43.72 | +1.30% | $298M | 90 5-pillar |
| CFFI C&F Financial Corporation | $98.30 | +1.50% | $320M | 91 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WSFGQ's Key Strengths?
Strong local presence in the Bremerton, Washington area.
- Established relationships with local businesses and individuals.
- Wide range of deposit and loan products.
- Experienced management team.
What Are WSFGQ's Weaknesses?
Negative profit margin and gross margin.
- High beta indicating significant volatility.
- Limited geographic diversification.
- Dependence on the local economy.
What Are the Key Risks for WSFGQ?
Financial-distress signal — its Altman Z-Score of -1.22 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-80.6%) — the business is not currently generating profit on shareholder capital.
- Inconsistent delivery — missed Wall Street EPS estimates in 6 of the last 8 reported quarters.
- Negative profit margin and gross margin impacting financial stability.
- Economic downturn in the Washington region affecting loan demand.
- Rising interest rates increasing borrowing costs for customers.
- Increased competition from larger banks and fintech companies.
- Limited financial disclosure due to OTC listing.
What Are WSFGQ's Competitive Advantages?
- Local market expertise in the Washington region.
- Established relationships with customers in the community.
- Personalized service tailored to the needs of local businesses.
- Branch network providing convenient access to banking services.
What Does WSFGQ Do?
WSB Financial Group, Inc., established in 1999 and headquartered in Bremerton, Washington, functions as the holding company for Westsound Bank. The bank provides a range of commercial banking services tailored to real estate developers, contractors, small to medium-sized businesses, individuals, professionals, and professional firms within Washington state. Westsound Bank's core operations revolve around generating deposits and originating loans, offering a suite of deposit products including interest-bearing and non-interest-bearing demand deposits, money market accounts, savings deposits, and certificates of deposit. On the lending side, the bank focuses on commercial and residential real estate loans, construction and land development loans, commercial and industrial loans, and consumer loans. Additionally, Westsound Bank provides modern banking conveniences such as courier services, telephone and Internet banking, automatic teller machines, and real estate services. It also offers traditional banking products like cashier's checks, money orders, debit/credit cards, wire transfers, and safe deposit services. The bank's commitment to serving the local community has established it as a key financial institution in the region.
What Products and Services Does WSFGQ Offer?
- Provides commercial banking services to real estate developers and contractors.
- Offers banking solutions to small to medium-sized businesses.
- Serves individuals, professionals, and professional firms in Washington.
- Generates deposits through various account types.
- Originates commercial and residential real estate loans.
- Provides construction and land development loans.
- Offers commercial and industrial loans.
- Provides consumer loans.
How Does WSFGQ Make Money?
- Generates revenue primarily through interest income from loans.
- Collects fees for various banking services.
- Attracts deposits to fund lending activities.
- Manages risk through credit analysis and loan diversification.
What Industry Does WSFGQ Operate In?
WSB Financial Group, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Fintech companies are increasingly disrupting traditional banking models, requiring regional banks to adapt and innovate. The regional banking sector is also subject to economic cycles, with loan demand and credit quality influenced by economic growth and employment rates. WSB Financial Group's success depends on its ability to differentiate itself through personalized service and local market expertise.
Who Are WSFGQ's Key Customers?
- Real estate developers and contractors.
- Small to medium-sized businesses.
- Individuals and families.
- Professionals and professional firms.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
WSB Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bremerton, US. The company is led by CEO Donald F. Cox, Jr.. WSFGQ has traded publicly since 2006.
Earnings Track Record
WSB Financial Group, Inc. has missed Wall Street's EPS estimate in 6 of its last 8 reported quarters — a recurring pattern of falling short of estimates. Reported results have landed about 390.6% below estimates on average.
Financial Health
WSB Financial Group, Inc.'s Piotroski F-Score is 1/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -1.22 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for WSB Financial Group, Inc. stands at -80.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -8.9%, showing how much profit it generates from its asset base. A current ratio of 0.16 means current liabilities exceed short-term assets, a liquidity point worth watching.
WSFGQ Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
WSFGQ Latest News
No recent news available for WSFGQ.
WSFGQ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for WSFGQ.
Price Targets
Wall Street price target analysis for WSFGQ.
WSFGQ MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for WSFGQ; grades run from A+ (80-100) to F (below 30).
WSFGQ OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market. Companies in this tier often have limited or no financial disclosure, and may not meet minimum listing requirements. Unlike companies listed on major exchanges like the NYSE or NASDAQ, OTC Other companies are not subject to the same rigorous regulatory oversight, leading to increased risks for investors. These companies may be newly formed, distressed, or have chosen not to comply with higher reporting standards.
- OTC Tier: OTC Other
- Limited Financial Disclosure: Lack of transparency due to minimal reporting requirements.
- Low Liquidity: Difficulty in buying or selling shares due to low trading volume.
- Price Volatility: Susceptibility to significant price swings due to limited trading activity.
- Potential for Fraud: Increased risk of fraudulent activities due to less regulatory oversight.
- Going Concern Risk: Uncertainty about the company's ability to continue operating.
- Verify the company's registration and legal standing.
- Attempt to locate and review any available financial statements.
- Assess the company's management team and their track record.
- Research the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Check for any regulatory actions or legal disputes.
- Consult with a qualified financial advisor.
- Physical headquarters in Bremerton, Washington.
- Operating history since 1999.
- Westsound Bank is a registered entity.
- Presence of a website, although further verification is needed.
- Employee count of 93 suggests some operational scale.
Common Questions About WSFGQ (Financials)
What are the main risks for WSFGQ?
The main risks for WSB Financial Group, Inc. include its negative profitability, high beta indicating volatility, and limited financial disclosure due to its OTC listing. Competition from larger banks and fintech companies also poses a threat.
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
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Limited information available for WSFGQ due to its OTC listing and lack of analyst coverage.
- Financial data based on available information and may not be comprehensive.