WESTERN PACIFIC TRUST CO (WP.CA) Stock Fundamental Analysis
TSX-V:WP • CA9591431080
0.145 CAD
-0.02 (-9.38%)
Last: Feb 9, 2026, 07:00 PM
Taking everything into account, WP scores 5 out of 10 in our fundamental rating. WP was compared to 80 industry peers in the Capital Markets industry. While WP has a great health rating, its profitability is only average at the moment. WP does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year WP was profitable.
- In the past year WP had a positive cash flow from operations.
- WP had positive earnings in each of the past 5 years.
- WP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 4.50%, WP is doing good in the industry, outperforming 64.63% of the companies in the same industry.
- With a decent Return On Equity value of 6.08%, WP is doing good in the industry, outperforming 60.98% of the companies in the same industry.
- With a decent Return On Invested Capital value of 7.41%, WP is doing good in the industry, outperforming 74.39% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- WP's Profit Margin of 9.61% is fine compared to the rest of the industry. WP outperforms 60.98% of its industry peers.
- In the last couple of years the Profit Margin of WP has grown nicely.
- WP has a worse Operating Margin (20.16%) than 62.20% of its industry peers.
- In the last couple of years the Operating Margin of WP has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- There is no outstanding debt for WP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- WP has an Altman-Z score of 3.78. This indicates that WP is financially healthy and has little risk of bankruptcy at the moment.
- With a decent Altman-Z score value of 3.78, WP is doing good in the industry, outperforming 73.17% of the companies in the same industry.
- WP has a debt to FCF ratio of 1.58. This is a very positive value and a sign of high solvency as it would only need 1.58 years to pay back of all of its debts.
- WP has a better Debt to FCF ratio (1.58) than 78.05% of its industry peers.
- A Debt/Equity ratio of 0.23 indicates that WP is not too dependend on debt financing.
- WP has a Debt to Equity ratio of 0.23. This is comparable to the rest of the industry: WP outperforms 53.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.58 | ||
| Altman-Z | 3.78 |
ROIC/WACCN/A
WACCN/A
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.
- WP has a Current ratio of 10.40. This is amongst the best in the industry. WP outperforms 85.37% of its industry peers.
- A Quick Ratio of 10.40 indicates that WP has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 10.40, WP belongs to the best of the industry, outperforming 85.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 10.4 | ||
| Quick Ratio | 10.4 |
3. Growth
3.1 Past
- The earnings per share for WP have decreased strongly by -53.10% in the last year.
- Measured over the past years, WP shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.56% on average per year.
- WP shows a decrease in Revenue. In the last year, the revenue decreased by -9.44%.
- Measured over the past years, WP shows a quite strong growth in Revenue. The Revenue has been growing by 13.51% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 14.50, WP is valued correctly.
- Based on the Price/Earnings ratio, WP is valued a bit more expensive than 60.98% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.99. WP is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.5 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- WP's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. WP is cheaper than 92.68% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of WP indicates a rather cheap valuation: WP is cheaper than 87.80% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.98 | ||
| EV/EBITDA | 4.1 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.45%, WP has a reasonable but not impressive dividend return.
- The stock price of WP dropped by -30.95% 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 3.15.
- WP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector 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
5.3 Sustainability
- WP pays out 146.84% of its income as dividend. This is not a sustainable payout ratio.
DP146.84%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:WP (2/9/2026, 7:00:00 PM)
0.145
-0.02 (-9.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners50.42%
Ins Owner ChangeN/A
Market Cap3.81M
Revenue(TTM)1.86M
Net Income(TTM)178.90K
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.5 | ||
| Fwd PE | N/A | ||
| P/S | 2.05 | ||
| P/FCF | 7.98 | ||
| P/OCF | 7.87 | ||
| P/B | 1.3 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 4.1 |
EPS(TTM)0.01
EY6.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY12.53%
OCF(TTM)0.02
OCFY12.7%
SpS0.07
BVpS0.11
TBVpS0.11
PEG (NY)N/A
PEG (5Y)0.45
Graham Number0.16
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.78 |
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 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 14.5 and the Price/Book (PB) ratio is 1.3.
Can you provide the financial health for WP stock?
The financial health rating of WESTERN PACIFIC TRUST CO (WP.CA) is 7 / 10.