WASH Fundamental Analysis - WASHINGTON TRUST BANCORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to WASH. WASH was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of WASH have multiple concerns. WASH has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

WASH had positive earnings in the past year.

In the past year WASH had a positive cash flow from operations.

WASH had positive earnings in 4 of the past 5 years.

WASH had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.36%, WASH is doing worse than 92.86% of the companies in the same industry.

WASH has a Return On Equity of -4.62%. This is amonst the worse of the industry: WASH underperforms 93.88% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.36%
ROE	-4.62%
ROIC	N/A

ROA(3y)0.45%

ROA(5y)0.77%

ROE(3y)6.77%

ROE(5y)9.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

WASH does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WASH does not have a ROIC to compare to the WACC, probably because it is not profitable.

WASH has more shares outstanding than it did 1 year ago.

The number of shares outstanding for WASH has been increased compared to 5 years ago.

The debt/assets ratio for WASH is higher compared to a year ago.

2.2 Solvency

WASH has a debt to FCF ratio of 0.37. This is a very positive value and a sign of high solvency as it would only need 0.37 years to pay back of all of its debts.

WASH has a better Debt to FCF ratio (0.37) than 83.93% of its industry peers.

A Debt/Equity ratio of 0.04 indicates that WASH is not too dependend on debt financing.

WASH's Debt to Equity ratio of 0.04 is amongst the best of the industry. WASH outperforms 81.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.37
Altman-Z	N/A

ROIC/WACCN/A

WACC15.19%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

WASH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.97%.

The Earnings Per Share has been decreasing by -8.79% on average over the past years.

WASH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -51.46%.

The Revenue for WASH have been decreasing by -12.88% on average. This is quite bad

EPS 1Y (TTM)-5.97%

EPS 3Y-18.74%

EPS 5Y-8.79%

EPS Q2Q%7.94%

Revenue 1Y (TTM)-51.46%

Revenue growth 3Y-23.95%

Revenue growth 5Y-12.88%

Sales Q2Q%17.73%

3.2 Future

Based on estimates for the next years, WASH will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.84% on average per year.

Based on estimates for the next years, WASH will show a quite strong growth in Revenue. The Revenue will grow by 14.48% on average per year.

EPS Next Y10.2%

EPS Next 2Y11.84%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year19.57%

Revenue Next 2Y14.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.85 indicates a reasonable valuation of WASH.

WASH's Price/Earnings ratio is a bit cheaper when compared to the industry. WASH is cheaper than 61.73% of the companies in the same industry.

WASH is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.

WASH is valuated reasonably with a Price/Forward Earnings ratio of 9.55.

Based on the Price/Forward Earnings ratio, WASH is valued a bit cheaper than the industry average as 64.54% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, WASH is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.85
Fwd PE	9.55

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WASH is valued a bit cheaper than 75.26% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.22
EV/EBITDA	N/A

4.3 Compensation for Growth

WASH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.16

PEG (5Y)N/A

EPS Next 2Y11.84%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.36%, WASH is a good candidate for dividend investing.

WASH's Dividend Yield is rather good when compared to the industry average which is at 3.73. WASH pays more dividend than 96.68% of the companies in the same industry.

WASH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	7.36%

5.2 History

The dividend of WASH has a limited annual growth rate of 1.42%.

WASH has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.42%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

WASH has negative earnings and hence a negative payout ratio. The dividend may be in danger.

The dividend of WASH is growing, but earnings are growing more, so the dividend growth is sustainable.

DP-167.81%

EPS Next 2Y11.84%

EPS Next 3YN/A

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WASHINGTON TRUST BANCORP

NASDAQ:WASH (9/19/2025, 4:21:41 PM)

After market: 29.87 0 (0%)

29.87

-0.52 (-1.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners69.7%

Inst Owner Change-1.79%

Ins Owners1.18%

Ins Owner Change8.7%

Market Cap572.31M

Analysts48.89

Price Target31.11 (4.15%)

Short Float %4.45%

Short Ratio6.07

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.36%

Yearly Dividend2.12

Dividend Growth(5Y)1.42%

DP-167.81%

Div Incr Years0

Div Non Decr Years0

Ex-Date07-01 2025-07-01 (0.56)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.1%

Min EPS beat(2)-5.07%

Max EPS beat(2)5.28%

EPS beat(4)3

Avg EPS beat(4)4.52%

Min EPS beat(4)-5.07%

Max EPS beat(4)12.72%

EPS beat(8)7

Avg EPS beat(8)15.33%

EPS beat(12)9

Avg EPS beat(12)8.14%

EPS beat(16)13

Avg EPS beat(16)10.11%

Revenue beat(2)0

Avg Revenue beat(2)-2.63%

Min Revenue beat(2)-2.96%

Max Revenue beat(2)-2.3%

Revenue beat(4)2

Avg Revenue beat(4)-0.52%

Min Revenue beat(4)-2.96%

Max Revenue beat(4)3.18%

Revenue beat(8)3

Avg Revenue beat(8)-1.08%

Revenue beat(12)6

Avg Revenue beat(12)6.33%

Revenue beat(16)10

Avg Revenue beat(16)18.05%

PT rev (1m)-0.81%

PT rev (3m)-0.81%

EPS NQ rev (1m)-0.35%

EPS NQ rev (3m)-3.39%

EPS NY rev (1m)2.82%

EPS NY rev (3m)1.06%

Revenue NQ rev (1m)-1.03%

Revenue NQ rev (3m)-1.9%

Revenue NY rev (1m)-0.34%

Revenue NY rev (3m)-0.04%

Valuation

		Industry Rank	Sector Rank
PE	11.85
Fwd PE	9.55
P/S	4.9
P/FCF	9.22
P/OCF	8.9
P/B	1.08
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)2.52

EY8.44%

EPS(NY)3.13

Fwd EY10.47%

FCF(TTM)3.24

FCFY10.85%

OCF(TTM)3.36

OCFY11.24%

SpS6.1

BVpS27.53

TBVpS24.07

PEG (NY)1.16

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.36%
ROE	-4.62%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	53.11%

ROA(3y)0.45%

ROA(5y)0.77%

ROE(3y)6.77%

ROE(5y)9.39%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.37
Debt/EBITDA	N/A
Cap/Depr	49.61%
Cap/Sales	1.92%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC15.19%

ROIC/WACCN/A

Cap/Depr(3y)108.94%

Cap/Depr(5y)98.23%

Cap/Sales(3y)3.13%

Cap/Sales(5y)2.48%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-5.97%

EPS 3Y-18.74%

EPS 5Y-8.79%

EPS Q2Q%7.94%

EPS Next Y10.2%

EPS Next 2Y11.84%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-51.46%

Revenue growth 3Y-23.95%

Revenue growth 5Y-12.88%

Sales Q2Q%17.73%

Revenue Next Year19.57%

Revenue Next 2Y14.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y38.28%

FCF growth 3Y-17.99%

FCF growth 5Y-5.26%

OCF growth 1Y24.91%

OCF growth 3Y-16.98%

OCF growth 5Y-4.71%

WASHINGTON TRUST BANCORP (WASH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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