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WASHINGTON TRUST BANCORP (WASH) Stock Fundamental Analysis

NASDAQ:WASH - Nasdaq - US9406101082 - Common Stock - Currency: USD

27.51  -0.05 (-0.18%)

Fundamental Rating

3

Overall WASH gets a fundamental rating of 3 out of 10. We evaluated WASH against 393 industry peers in the Banks industry. WASH may be in some trouble as it scores bad on both profitability and health. WASH has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year WASH was profitable.
In the past year WASH had a positive cash flow from operations.
WASH had positive earnings in 4 of the past 5 years.
In the past 5 years WASH always reported a positive cash flow from operatings.
WASH Yearly Net Income VS EBIT VS OCF VS FCFWASH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

WASH has a Return On Assets of -0.24%. This is amonst the worse of the industry: WASH underperforms 92.37% of its industry peers.
With a Return On Equity value of -3.04%, WASH is not doing good in the industry: 93.13% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.24%
ROE -3.04%
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
WASH Yearly ROA, ROE, ROICWASH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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 RankSector 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
WASH Yearly Profit, Operating, Gross MarginsWASH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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3

2. Health

2.1 Basic Checks

WASH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WASH has more shares outstanding
WASH has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WASH has a worse debt to assets ratio.
WASH Yearly Shares OutstandingWASH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
WASH Yearly Total Debt VS Total AssetsWASH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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's Debt to FCF ratio of 0.37 is amongst the best of the industry. WASH outperforms 83.97% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that WASH is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.04, WASH belongs to the top of the industry, outperforming 81.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.37
Altman-Z N/A
ROIC/WACCN/A
WACC15.27%
WASH Yearly LT Debt VS Equity VS FCFWASH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WASH Yearly Current Assets VS Current LiabilitesWASH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 10M 20M 30M

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4

3. Growth

3.1 Past

The earnings per share for WASH have decreased by -5.97% in the last year.
WASH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.79% yearly.
The Revenue for WASH has decreased by -51.46% in the past year. This is quite bad
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

The Earnings Per Share is expected to grow by 11.54% on average over the next years. This is quite good.
The Revenue is expected to grow by 26.21% on average over the next years. This is a very strong growth
EPS Next Y7.18%
EPS Next 2Y11.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.97%
Revenue Next 2Y26.21%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
WASH Yearly Revenue VS EstimatesWASH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
WASH Yearly EPS VS EstimatesWASH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.92, the valuation of WASH can be described as reasonable.
WASH's Price/Earnings ratio is a bit cheaper when compared to the industry. WASH is cheaper than 63.10% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, WASH is valued rather cheaply.
A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of WASH.
Based on the Price/Forward Earnings ratio, WASH is valued a bit cheaper than the industry average as 67.18% of the companies are valued more expensively.
WASH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.09.
Industry RankSector Rank
PE 10.92
Fwd PE 8.84
WASH Price Earnings VS Forward Price EarningsWASH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WASH is valued a bit cheaper than the industry average as 73.79% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.74
EV/EBITDA N/A
WASH Per share dataWASH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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)1.52
PEG (5Y)N/A
EPS Next 2Y11.54%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

WASH has a Yearly Dividend Yield of 8.32%, which is a nice return.
Compared to an average industry Dividend Yield of 3.54, WASH pays a better dividend. On top of this WASH pays more dividend than 99.24% of the companies listed in the same industry.
WASH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 8.32%

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
WASH Yearly Dividends per shareWASH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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-250%
EPS Next 2Y11.54%
EPS Next 3YN/A
WASH Yearly Income VS Free CF VS DividendWASH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M 100M

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WASHINGTON TRUST BANCORP

NASDAQ:WASH (8/11/2025, 11:01:18 AM)

27.51

-0.05 (-0.18%)

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-2.03%
Ins Owners1.18%
Ins Owner Change8.25%
Market Cap530.39M
Analysts48.89
Price Target31.37 (14.03%)
Short Float %4.28%
Short Ratio5.57
Dividend
Industry RankSector Rank
Dividend Yield 8.32%
Yearly Dividend2.12
Dividend Growth(5Y)1.42%
DP-250%
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)0.05%
Min EPS beat(2)-5.07%
Max EPS beat(2)5.17%
EPS beat(4)3
Avg EPS beat(4)9.5%
Min EPS beat(4)-5.07%
Max EPS beat(4)25.2%
EPS beat(8)7
Avg EPS beat(8)15.1%
EPS beat(12)9
Avg EPS beat(12)9.62%
EPS beat(16)12
Avg EPS beat(16)9.24%
Revenue beat(2)1
Avg Revenue beat(2)0.11%
Min Revenue beat(2)-2.96%
Max Revenue beat(2)3.18%
Revenue beat(4)3
Avg Revenue beat(4)0.08%
Min Revenue beat(4)-2.96%
Max Revenue beat(4)3.18%
Revenue beat(8)3
Avg Revenue beat(8)-1.14%
Revenue beat(12)7
Avg Revenue beat(12)10.32%
Revenue beat(16)11
Avg Revenue beat(16)22.15%
PT rev (1m)0%
PT rev (3m)-3.91%
EPS NQ rev (1m)1.2%
EPS NQ rev (3m)-4.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)0.53%
Revenue NY rev (3m)-0.82%
Valuation
Industry RankSector Rank
PE 10.92
Fwd PE 8.84
P/S 3.32
P/FCF 8.74
P/OCF 8.27
P/B 1.02
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.52
EY9.16%
EPS(NY)3.11
Fwd EY11.31%
FCF(TTM)3.15
FCFY11.45%
OCF(TTM)3.33
OCFY12.1%
SpS8.28
BVpS27.06
TBVpS23.6
PEG (NY)1.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.24%
ROE -3.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 38.01%
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 RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.37
Debt/EBITDA N/A
Cap/Depr 74.49%
Cap/Sales 2.17%
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
WACC15.27%
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 Y7.18%
EPS Next 2Y11.54%
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 Year19.97%
Revenue Next 2Y26.21%
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 1Y-23.25%
FCF growth 3Y-17.99%
FCF growth 5Y-5.26%
OCF growth 1Y-24.95%
OCF growth 3Y-16.98%
OCF growth 5Y-4.71%