WESTERN PACIFIC TRUST CO (WP.CA) Fundamental Analysis & Valuation

TSX-V:WP • CA9591431080

Current stock price

0.16 CAD
+0.02 (+10.34%)
Last:

This WP.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. WP.CA Profitability Analysis

1.1 Basic Checks

  • In the past year WP was profitable.
  • In the past year WP had a positive cash flow from operations.
  • In the past 5 years WP has always been profitable.
  • In the past 5 years WP always reported a positive cash flow from operatings.
WP.CA Yearly Net Income VS EBIT VS OCF VS FCFWP.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200K 400K 600K

1.2 Ratios

  • WP's Return On Assets of 4.50% is fine compared to the rest of the industry. WP outperforms 62.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.08%, WP is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • WP has a Return On Invested Capital of 7.41%. This is in the better half of the industry: WP outperforms 73.75% of its industry peers.
Industry RankSector Rank
ROA 4.5%
ROE 6.08%
ROIC 7.41%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
WP.CA Yearly ROA, ROE, ROICWP.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30 40

1.3 Margins

  • WP has a Profit Margin of 9.61%. This is in the better half of the industry: WP outperforms 61.25% of its industry peers.
  • In the last couple of years the Profit Margin of WP has grown nicely.
  • WP's Operating Margin of 20.16% is on the low side compared to the rest of the industry. WP is outperformed by 63.75% of its industry peers.
  • WP's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.16%
PM (TTM) 9.61%
GM N/A
OM growth 3Y39.14%
OM growth 5Y14.29%
PM growth 3Y-37.82%
PM growth 5Y17.83%
GM growth 3YN/A
GM growth 5YN/A
WP.CA Yearly Profit, Operating, Gross MarginsWP.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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7

2. WP.CA Health Analysis

2.1 Basic Checks

  • WP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
WP.CA Yearly Shares OutstandingWP.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M 25M
WP.CA Yearly Total Debt VS Total AssetsWP.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M

2.2 Solvency

  • An Altman-Z score of 4.01 indicates that WP is not in any danger for bankruptcy at the moment.
  • WP's Altman-Z score of 4.01 is fine compared to the rest of the industry. WP outperforms 73.75% of its industry peers.
  • The Debt to FCF ratio of WP is 1.58, which is an excellent value as it means it would take WP, only 1.58 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.58, WP is in the better half of the industry, outperforming 78.75% of the companies in the same industry.
  • WP has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • WP has a Debt to Equity ratio of 0.23. This is comparable to the rest of the industry: WP outperforms 53.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.58
Altman-Z 4.01
ROIC/WACCN/A
WACCN/A
WP.CA Yearly LT Debt VS Equity VS FCFWP.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500K 1M 1.5M 2M 2.5M

2.3 Liquidity

  • WP has a Current Ratio of 10.40. This indicates that WP is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 10.40, WP belongs to the top of the industry, outperforming 86.25% of the companies in the same industry.
  • WP has a Quick Ratio of 10.40. This indicates that WP is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of WP (10.40) is better than 86.25% of its industry peers.
Industry RankSector Rank
Current Ratio 10.4
Quick Ratio 10.4
WP.CA Yearly Current Assets VS Current LiabilitesWP.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 500K 1M 1.5M 2M

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3

3. WP.CA Growth Analysis

3.1 Past

  • WP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.10%.
  • WP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.56% yearly.
  • The Revenue has decreased by -9.44% in the past year.
  • The Revenue has been growing by 13.51% on average over the past years. This is quite good.
EPS 1Y (TTM)-53.1%
EPS 3Y-25.12%
EPS 5Y32.56%
EPS Q2Q%-57.89%
Revenue 1Y (TTM)-9.44%
Revenue growth 3Y22.41%
Revenue growth 5Y13.51%
Sales Q2Q%-7.35%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
WP.CA Yearly Revenue VS EstimatesWP.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M

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3

4. WP.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.00, which indicates a correct valuation of WP.
  • 63.75% of the companies in the same industry are cheaper than WP, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.96, WP is valued a bit cheaper.
Industry RankSector Rank
PE 16
Fwd PE N/A
WP.CA Price Earnings VS Forward Price EarningsWP.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WP indicates a rather cheap valuation: WP is cheaper than 92.50% of the companies listed in the same industry.
  • 88.75% of the companies in the same industry are more expensive than WP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.8
EV/EBITDA 4.95
WP.CA Per share dataWP.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.02 0.04 0.06 0.08 0.1

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. WP.CA Dividend Analysis

5.1 Amount

  • WP has a Yearly Dividend Yield of 3.45%.
  • The stock price of WP dropped by -23.81% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • WP's Dividend Yield is comparable with the industry average which is at 3.20.
  • WP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.45%

5.2 History

  • WP has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
WP.CA Yearly Dividends per shareWP.CA Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0 0 0.01 0.01

5.3 Sustainability

  • 146.84% of the earnings are spent on dividend by WP. This is not a sustainable payout ratio.
DP146.84%
EPS Next 2YN/A
EPS Next 3YN/A
WP.CA Yearly Income VS Free CF VS DividendWP.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200K 400K 600K
WP.CA Dividend Payout.WP.CA Dividend Payout, showing the Payout Ratio.WP.CA Dividend Payout.PayoutRetained Earnings

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WP.CA Fundamentals: All Metrics, Ratios and Statistics

WESTERN PACIFIC TRUST CO

TSX-V:WP (2/27/2026, 7:00:00 PM)

0.16

+0.02 (+10.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners50.42%
Ins Owner ChangeN/A
Market Cap4.21M
Revenue(TTM)1.86M
Net Income(TTM)178.90K
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.45%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP146.84%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16
Fwd PE N/A
P/S 2.26
P/FCF 8.8
P/OCF 8.69
P/B 1.43
P/tB 1.43
EV/EBITDA 4.95
EPS(TTM)0.01
EY6.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY11.36%
OCF(TTM)0.02
OCFY11.51%
SpS0.07
BVpS0.11
TBVpS0.11
PEG (NY)N/A
PEG (5Y)0.49
Graham Number0.16
Profitability
Industry RankSector Rank
ROA 4.5%
ROE 6.08%
ROCE 10.17%
ROIC 7.41%
ROICexc 26.68%
ROICexgc 26.86%
OM 20.16%
PM (TTM) 9.61%
GM N/A
FCFM 25.66%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y39.14%
OM growth 5Y14.29%
PM growth 3Y-37.82%
PM growth 5Y17.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.47
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.58
Debt/EBITDA 1.46
Cap/Depr 7.27%
Cap/Sales 0.34%
Interest Coverage 250
Cash Conversion 104.49%
Profit Quality 267.08%
Current Ratio 10.4
Quick Ratio 10.4
Altman-Z 4.01
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)13.55%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.62%
Cap/Sales(5y)N/A
Profit Quality(3y)135.54%
Profit Quality(5y)485.74%
High Growth Momentum
Growth
EPS 1Y (TTM)-53.1%
EPS 3Y-25.12%
EPS 5Y32.56%
EPS Q2Q%-57.89%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.44%
Revenue growth 3Y22.41%
Revenue growth 5Y13.51%
Sales Q2Q%-7.35%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-43.41%
EBIT growth 3Y70.33%
EBIT growth 5Y29.73%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.34%
FCF growth 3Y55.34%
FCF growth 5Y26.48%
OCF growth 1Y-28.98%
OCF growth 3Y56.02%
OCF growth 5Y25.85%

WESTERN PACIFIC TRUST CO / WP.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for WESTERN PACIFIC TRUST CO?

ChartMill assigns a fundamental rating of 5 / 10 to WP.CA.


What is the valuation status of WESTERN PACIFIC TRUST CO (WP.CA) stock?

ChartMill assigns a valuation rating of 3 / 10 to WESTERN PACIFIC TRUST CO (WP.CA). This can be considered as Overvalued.


Can you provide the profitability details for WESTERN PACIFIC TRUST CO?

WESTERN PACIFIC TRUST CO (WP.CA) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for WP stock?

The Price/Earnings (PE) ratio for WESTERN PACIFIC TRUST CO (WP.CA) is 16 and the Price/Book (PB) ratio is 1.43.


Can you provide the financial health for WP stock?

The financial health rating of WESTERN PACIFIC TRUST CO (WP.CA) is 7 / 10.