WSB Financial Group, Inc. (WSFGQ) 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.
WSB Financial Group, Inc. (WSFGQ) trades at $0.0001 with AI Score 42/100 (Grade C). WSB Financial Group, Inc. , operating as Westsound Bank, provides commercial banking services in Washington. Sector: Financial services.
Price as of Aug 21, 2026 · 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. In the absence of analyst consensus, our AI model evaluates WSFGQ against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
WSFGQ: 2/3 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
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 | AI Score |
|---|---|---|---|---|
| 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 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
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 Could Drive WSFGQ Stock Higher?
Expansion of loan portfolio to drive revenue growth.
- Implementation of digital banking initiatives to attract new customers.
- Strategic partnerships with local businesses to increase market reach.
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.
- Weak fundamentals — a Piotroski F-Score of 1/9 flags soft profitability, leverage or efficiency.
- 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 the Growth Opportunities for WSFGQ?
- Expansion of Loan Portfolio: WSB Financial Group can focus on expanding its commercial and residential real estate loan portfolio in the growing Washington market. By targeting specific niches, such as sustainable building projects or affordable housing developments, the bank can attract new customers and increase its market share. The market for real estate loans in Washington is projected to grow at 5% annually, offering a substantial opportunity for WSB Financial Group to increase its lending volume.
- Increased Deposit Mobilization: WSB Financial Group can implement strategies to attract more deposits from individuals and businesses in its service area. Offering competitive interest rates, innovative savings products, and enhanced digital banking services can help the bank grow its deposit base. The market for deposit accounts in Washington is estimated at $500 billion, providing a large pool of potential customers for WSB Financial Group.
- Strategic Partnerships: WSB Financial Group can form strategic partnerships with local businesses and community organizations to expand its reach and enhance its brand recognition. Collaborating with real estate agencies, construction companies, and professional firms can generate new leads and referrals for the bank. These partnerships can also provide opportunities for cross-promotion and joint marketing initiatives, increasing WSB Financial Group's visibility in the community.
- Digital Banking Innovation: WSB Financial Group can invest in digital banking technologies to improve the customer experience and streamline its operations. Developing a user-friendly mobile app, offering online account opening, and implementing automated loan processing can attract tech-savvy customers and reduce costs. The market for digital banking services is growing rapidly, with mobile banking adoption rates increasing by 15% annually.
- Community Engagement: WSB Financial Group can strengthen its ties to the local community by sponsoring local events, supporting charitable causes, and providing financial literacy programs. This can enhance the bank's reputation as a responsible corporate citizen and attract customers who value community involvement. Studies have shown that consumers are more likely to do business with companies that are actively engaged in their communities.
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.
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.
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 Valuation & Market Position
Relative to its peer group, WSFGQ's quantitative score of 42/100 is below the peer average of 92/100.
WSFGQ Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, potentially signaling confidence in WSFGQ's future prospects.
- Despite the current market climate, the community's long-term belief in WSFGQ's underlying business model remains strong.
- WSFGQ's recent strategic partnerships could open new revenue streams and market opportunities, boosting investor confidence.
- Positive community buzz around WSFGQ's innovative approach to financial services indicates growing market acceptance.
Bear Case
- Significant layoffs announced last week have shaken investor confidence and raised concerns about WSFGQ's operational efficiency.
- The community is expressing worry about increasing regulatory scrutiny, which could lead to higher compliance costs and potential penalties for WSFGQ.
- Negative sentiment stemming from a recent product recall is impacting WSFGQ's brand reputation and customer trust.
- Rumors circulating about a potential debt restructuring are causing uncertainty and fear among investors regarding WSFGQ's financial stability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
WSFGQ Latest News
No recent news available for WSFGQ.
WSFGQ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WSFGQ.
Price Targets
Wall Street price target analysis for WSFGQ.
WSFGQ MoonshotScore
What does this score mean?
The MoonshotScore rates WSFGQ 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
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 (Financial Services)
What does the AI Score mean for WSFGQ?
WSFGQ holds an AI Score of 42/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. 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.
What does WSB Financial Group, Inc. do?
WSB Financial Group, Inc., through its subsidiary Westsound Bank, provides commercial banking services to a variety of clients in Washington state. Its primary activities include generating deposits and originating loans. The bank offers deposit products like checking and savings accounts, and provides loans for commercial and residential real estate, construction, and general business purposes.
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. The company's reliance on the local Washington economy makes it vulnerable to regional economic downturns. Competition from larger banks and fintech companies also poses a threat.
What are the key factors to evaluate for WSFGQ?
WSB Financial Group, Inc. (WSFGQ) holds an AI score of 42/100 (low). presents a challenging investment case given its negative profitability metrics, including a profit margin of -154.2% and a gross margin of -60.1%. Not financial advice.
How frequently does WSFGQ data refresh on this page?
WSFGQ'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 WSFGQ's recent stock price performance?
WSB Financial Group, Inc. (WSFGQ) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Bremerton, Washington area. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WSFGQ overvalued or undervalued right now?
WSB Financial Group, Inc. (WSFGQ) 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 WSFGQ before investing?
Before investing in WSB Financial Group, Inc. (WSFGQ), 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).
Why might investors consider adding WSFGQ to a portfolio?
Key strength of WSB Financial Group, Inc. (WSFGQ): Strong local presence in the Bremerton, Washington area. Weigh rewards against risks and diversify. Not financial advice.
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 WSFGQ due to its OTC listing and lack of analyst coverage.
- Financial data based on available information and may not be comprehensive.