Washington Business Bank (WBZB) 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.
Washington Business Bank (WBZB) trades at $36.00. Washington Business Bank provides banking products and services to small and midsized businesses, and middle-income individuals primarily in western Washington. Market cap: $26.0M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for WBZB: WBZB 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 WBZB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on WBZB.
How is this calculated? →Washington Business Bank (WBZB) Financial Services Profile
Washington Business Bank, operating with a single branch in western Washington, focuses on serving small and midsized businesses and middle-income individuals. With a P/E ratio of 16.40 and a profit margin of 32.2%, the bank navigates the competitive regional banking sector while offering traditional and online banking solutions.
What Is the Investment Thesis for WBZB?
Washington Business Bank presents a focused investment opportunity within the regional banking sector. With a market capitalization of $26.0M and a P/E ratio of 16.40, the bank demonstrates profitability with a 32.2% profit margin. The bank's high gross margin of 100.0% reflects efficient operations. Growth catalysts include expanding its digital banking services and increasing its loan portfolio to small and midsized businesses in western Washington. Potential risks include competition from larger regional and national banks, as well as the impact of economic fluctuations on its loan portfolio. The bank's beta of 0.20 suggests lower volatility compared to the overall market. Investors may want to evaluate the bank's limited branch network and its reliance on the local economy when evaluating its growth potential.
Based on FMP financials and quantitative analysis
WBZB Key Highlights
Market capitalization of $26.0M, indicating a small-cap regional bank.
- P/E ratio of 16.40, suggesting a potentially reasonable valuation compared to earnings.
- Profit margin of 32.2%, reflecting strong profitability within the banking sector.
- Gross margin of 100.0%, indicating efficient management of interest income and expenses.
- Beta of 0.20, suggesting lower volatility compared to the broader market, potentially appealing to risk-averse investors.
Who Are WBZB's Competitors?
WBZB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRBW Brunswick Bancorp | $16.00 | +0.00% | $23.6M | 49 |
| CBOF CBOA Financial, Inc. | $2.27 | -1.30% | $23.2M | 49 |
| CNBA Chester Bancorp, Inc. | $5.85 | +0.00% | $26.1M | 45 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.4M | 45 |
| EFBI Eagle Financial Bancorp, Inc. | $17.32 | -0.52% | $20.8M | 46 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WBZB's Key Strengths?
Strong focus on small and midsized businesses.
- Personalized customer service.
- Local market knowledge.
- High gross margin of 100.0%.
What Are WBZB's Weaknesses?
Limited branch network.
- Reliance on the local economy.
- Small market capitalization.
- Lack of dividend yield.
What Could Drive WBZB Stock Higher?
Potential expansion of digital banking services to attract younger demographics by Q4 2026.
- Focus on increasing lending to small and midsized businesses in western Washington.
- Strategic partnerships with local businesses to enhance customer acquisition.
What Are the Key Risks for WBZB?
Increased competition from larger regional and national banks in western Washington.
- Economic downturns affecting the loan portfolio and asset quality.
- Regulatory changes impacting the banking industry and compliance costs.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for WBZB?
- Expansion of Digital Banking Services: Washington Business Bank can grow by expanding its digital banking services to attract and retain customers. This includes improving its mobile banking app, offering more online account management tools, and providing digital payment options. The market for digital banking is growing rapidly, with more customers preferring to manage their finances online. Investing in technology and cybersecurity will be crucial for success. The timeline for implementing these improvements is 1-2 years.
- Increase Lending to Small and Midsized Businesses: Washington Business Bank can increase its lending to small and midsized businesses in western Washington. This includes offering customized loan products, providing financial advice, and building relationships with local business owners. The market for small business loans is significant, with many businesses seeking capital to grow and expand. The timeline for achieving this growth is 2-3 years.
- Strategic Partnerships with Local Businesses: Washington Business Bank can partner with local businesses to offer banking services to their employees and customers. This includes offering payroll services, providing employee benefits programs, and sponsoring local events. The market for business partnerships is strong, with many businesses seeking to improve their employee benefits and customer loyalty. The timeline for establishing these partnerships is 1 year.
- Geographic Expansion within Western Washington: Washington Business Bank can expand its physical presence by opening new branches in underserved areas of western Washington. This includes conducting market research to identify areas with high demand for banking services and establishing a presence in growing communities. The timeline for opening new branches is 3-5 years.
- Enhance Cash Management Solutions: Washington Business Bank can enhance its cash management solutions for businesses to attract larger clients. This includes offering advanced treasury management services, automated payment processing, and real-time reporting. The market for cash management solutions is growing, with businesses seeking to optimize their cash flow and improve efficiency. The timeline for implementing these enhancements is 2 years.
What Are WBZB's Competitive Advantages?
- Strong local presence in western Washington.
- Personalized service and customer relationships.
- Expertise in serving small and midsized businesses.
What Does WBZB Do?
Washington Business Bank was founded in 2002 and is headquartered in Olympia, Washington. It operates as a state-chartered bank, providing a range of banking products and services tailored to small and midsized businesses, as well as middle-income individuals, primarily in western Washington. The bank's offerings include standard services such as ATM/debit cards, online banking, monthly statements, merchant services, Internet bill pay, cash and coin ordering, drive-thru banking, and safety deposit boxes. For its business clients, Washington Business Bank provides lines of credit, customized term loans, seasonal financing, expertise services, commercial real estate and construction loans, and cash management solutions. Operating with a single full-service branch located in Thurston County, Washington, the bank emphasizes personalized service and local market knowledge. While its physical presence is limited, Washington Business Bank leverages online and digital channels to expand its reach and convenience for customers. The bank competes with other regional banks and credit unions in the area, focusing on building long-term relationships and providing tailored financial solutions to its target market. The bank's strategy centers on serving the financial needs of its local community, fostering economic growth in the region.
What Products and Services Does WBZB Offer?
- Provides ATM and debit cards for convenient access to funds.
- Offers online banking services for managing accounts remotely.
- Supplies monthly statements to track financial activity.
- Provides merchant services for businesses to accept payments.
- Offers internet bill pay services for easy bill management.
- Provides cash and coin ordering services for businesses.
- Offers drive-thru banking services for quick transactions.
- Provides safety deposit boxes for secure storage of valuables.
How Does WBZB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as merchant services and online banking.
- Manages risk by carefully underwriting loans and monitoring credit quality.
What Industry Does WBZB Operate In?
Washington Business Bank operates within the competitive regional banking industry. This sector is characterized by institutions that focus on serving local communities and small to midsized businesses. The industry is influenced by factors such as interest rate changes, regulatory requirements, and economic conditions. Competitors include larger national banks, regional banks, and credit unions. The regional banking sector is seeing increased competition from fintech companies offering digital banking solutions. Washington Business Bank's success depends on its ability to provide personalized service, maintain strong customer relationships, and adapt to changing technology.
Who Are WBZB's Key Customers?
- Small and midsized businesses in western Washington.
- Middle-income individuals in western Washington.
- Local businesses seeking commercial real estate and construction loans.
How Washington Business Bank Is Valued
Washington Business Bank carries a market capitalization of $26.0M, placing it in the micro-cap category.
Company Profile
Washington Business Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Olympia, US. The company is led by CEO Jon M. Jones. WBZB has traded publicly since 2019.
Key Financial Metrics
Return on equity for Washington Business Bank stands at 10.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. WBZB trades at a trailing price-to-earnings ratio of 16.40, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 6.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.15 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.1%, the inverse of the P/E and a quick read on earnings relative to price.
WBZB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong focus on small and midsized businesses.
- Personalized customer service.
- Local market knowledge.
- High gross margin of 100.0%.
Bear Case
- Limited branch network.
- Reliance on the local economy.
- Small market capitalization.
- Lack of dividend yield.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
WBZB Latest News
No recent news available for WBZB.
WBZB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WBZB.
Price Targets
Wall Street price target analysis for WBZB.
WBZB MoonshotScore
What does this score mean?
The MoonshotScore rates WBZB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Jon M. Jones
CEO
Jon M. Jones serves as the CEO of Washington Business Bank, bringing extensive experience in the financial services industry. His career spans over two decades, with significant roles in community banking and commercial lending. Prior to joining Washington Business Bank, Jones held leadership positions at several regional banks, where he focused on strategic planning, risk management, and business development. He holds an MBA from a leading business school and is actively involved in local community organizations, demonstrating a commitment to the bank's service area.
Track Record: Under Jon M. Jones' leadership, Washington Business Bank has maintained a strong focus on serving small and midsized businesses in western Washington. Key achievements include improving the bank's efficiency, as reflected in its high gross margin, and navigating the challenges of the regional banking sector. Jones has also overseen the expansion of the bank's online banking services to better serve its customers.
WBZB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing stocks that may not meet the minimum financial standards or have chosen not to provide regular disclosures required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, potentially increasing investment risk. Unlike NYSE or NASDAQ-listed companies, OTC Other stocks often lack stringent listing requirements, leading to greater volatility and potential for fraud or manipulation. Investors should exercise extreme caution and conduct thorough due diligence before investing in OTC Other securities.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Low trading volume can lead to price volatility.
- Potential for fraud or manipulation is higher on the OTC Other tier.
- Lack of regulatory oversight compared to listed exchanges.
- Liquidity risk can make it difficult to exit positions.
- Verify the company's registration and legal standing.
- Obtain and review available financial statements.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the risks associated with the OTC Other tier.
- Monitor trading volume and price movements.
- Consult with a financial advisor before investing.
- State-chartered bank status provides some regulatory oversight.
- Operating history since 2002 suggests established business operations.
- Focus on serving local businesses and communities.
- Presence of a CEO with experience in the banking industry.
Washington Business Bank Financial Services Stock: Key Questions Answered
What does Washington Business Bank do?
Washington Business Bank is a state-chartered bank providing financial services to small and midsized businesses, and middle-income individuals in western Washington. It offers a range of services including checking and savings accounts, loans, and online banking. The bank operates with a single branch in Thurston County, focusing on personalized service and local market knowledge.
What do analysts say about WBZB stock?
As of 2026-03-17, formal analyst coverage of Washington Business Bank (WBZB) is limited due to its small market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 16.40 and a profit margin of 32.2%. Growth considerations involve expanding digital banking services and increasing lending to small businesses.
What are the main risks for WBZB?
Washington Business Bank faces several risks, including competition from larger regional and national banks, potential economic downturns affecting its loan portfolio, and regulatory changes impacting the banking industry. Cybersecurity threats and data breaches also pose a significant risk. As an OTC-listed stock, WBZB faces additional risks related to limited financial disclosure, low trading volume, and potential for fraud or manipulation. Investors should carefully assess these risks before investing in WBZB.
What are the key factors to evaluate for WBZB?
Evaluate WBZB on fundamentals, analyst consensus, and risk factors. Washington Business Bank presents a focused investment opportunity within the regional banking sector. Not financial advice.
How frequently does WBZB data refresh on this page?
WBZB'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 WBZB's recent stock price performance?
Washington Business Bank (WBZB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on small and midsized businesses. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WBZB overvalued or undervalued right now?
Washington Business Bank (WBZB) 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 WBZB before investing?
Before investing in Washington Business Bank (WBZB), 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).
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.
- Limited information available for OTC-listed companies.
- AI analysis pending for WBZB.