OakChart

Washington Trust Bancorp Inc

WASHFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 1:25 PM ET

38.96-0.34 (-0.87%)
2026-11-11 19:25 CET
Market cap
750.37 USD m
Revenue, TTM
- USD m
Net income, TTM
63.94 USD m
Free cash flow, TTM
67.42 USD m
EPS diluted, TTM
3.33
P/E
11.70
Compare

Price

WASH against its 20, 50 and 200-day averages
2050200beat
30.0032.5035.0037.5040.00287K574KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26WASHclose 38.9620-day 38.7550-day 38.71200-day 35.9738.9652w high

5.2% under the 52-week high of 41.11 on 5 Nov 2026. 52-week low 26.52 on 19 Nov 2025. Last 15 sessions, 7.2% high to low

Profile

WASH
52-week range, 85% of the way up
26.5241.11

Washington Trust Bancorp, Inc. is a bank holding company, which engages in the provision of financial services, including business banking, personal banking and wealth management, and trust services. It operates through the Commercial Banking and Wealth Management Services segment. The Commercial Banking segment includes commercial, residential and consumer lending activities, mortgage banking activities, deposit generation, cash management activities and direct banking activities, which include the operation of ATMs, telephone and internet banking services and customer support and sales. The Wealth Management Services segment consists of investment management, financial planning, personal trust and estate services, including services as trustee, personal representative, custodian and guardian and institutional trust services, including fiduciary services. The company was founded on January 5, 1984 and is headquartered in Westerly, RI.

IndexRUT
Employees642
IPOJun 08, 1987
Beta0.72
ATR, 14d1.00
Rel volume0.27
Short float7.29%
Insider own2.26%
Inst own75.56%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap743.88M
Enterprise Value-
Income63.94M
Sales378.10M
Book/sh27.82
Cash/sh-
Dividend Est.-
Dividend TTM2.24 (5.75%)
Dividend Ex-DateOct 01, 2026
Dividend Gr. 3/5Y0.91% 1.79%
Payout82.67%
Employees642
IPOJun 08, 1987

Ratios

P/E11.70
Forward P/E10.76
PEG1.06
P/S1.97
P/B1.40
P/C-
P/FCF11.03
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.03
Debt/Eq0.82
LT Debt/Eq0.38
Option/ShortYes / Yes

Earnings

EPS (ttm)3.33
EPS next Y3.62
EPS next Q0.87
EPS this Y24.06%
EPS next Y7.68%
EPS next 5Y10.20%
EPS past 3/5Y-12.98% -7.51%
Sales past 3/5Y14.89% 8.26%
EPS Y/Y TTM310.13%
Sales Y/Y TTM29.26%
EPS Q/Q78.51%
Sales Q/Q-1.86%
EarningsOct 19 AMC
EPS/Sales Surpr.15.93% 3.73%

Ownership

Insider Own2.26%
Insider Trans-0.28%
Inst Own75.56%
Inst Trans6.59%
ROA0.96%
ROE12.02%
ROIC8.74%
Gross Margin-
Oper. Margin21.52%
Profit Margin16.91%
SMA200.53%
SMA500.66%
SMA2008.31%
Trades-

Technical

Shs Outstand19.08M
Shs Float18.66M
Short Float7.29%
Short Ratio10.08
Short Interest1.36M
52W High41.11 -5.23%
52W Low26.52 46.91%
Volatility3.05% 2.42%
ATR (14)1.00
RSI (14)51.28
Beta0.72
Rel Volume0.27
Avg Volume134.95K
Volume22,272

Performance

Perf Week-3.28%
Perf Month5.10%
Perf Quarter-3.06%
Perf Half Y24.20%
Perf YTD31.84%
Perf Year38.55%
Perf 3Y59.54%
Perf 5Y-33.14%
Perf 10Y-22.70%
Recom3.00
Target Price39.00
Prev Close39.30
Price38.96
Change %-0.87%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jul 22, 2026DowngradeSSeaport Research PartnersBuy → Neutral
Mar 16, 2026ResumedPPiper SandlerNeutral$32-17.9%
Jul 22, 2025DowngradePPiper SandlerNeutral → Underweight$28-28.1%
May 28, 2025InitiatedBBofA SecuritiesNeutral$28-28.1%
Mar 14, 2025UpgradeSSeaport Research PartnersNeutral → Buy$36-7.6%
Oct 22, 2024UpgradePPiper SandlerUnderweight → Neutral$30 → $34-12.7%
Jan 31, 2024DowngradeSSeaport Research PartnersBuy → Neutral
Sep 12, 2023InitiatedSSeaport Research PartnersBuy$34-12.7%
May 15, 2023UpgradePPiper SandlerUnderweight → Neutral$27 → $26-33.3%
Apr 24, 2023DowngradePPiper SandlerNeutral → Underweight

Peers

Mkt cap
TickerCompanyMkt cap
BHBBar Harbor Bankshares Inc692.12M
CACCamden National Corp996.12M
BWFGBankwell Financial Group Inc565.77M
BBTBeacon Financial Corp2.56B
HIFSHingham Institution For Savings668.95M
PGCPeapack-Gladstone Financial Corp818.18M
INDBIndependent Bank Corp3.91B
WNEBWestern New England Bancorp Inc271.28M
FNLCFirst Bancorp Inc (ME)413.32M
NBNNortheast Bank1.12B

Insider trading

8 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Santos Edwin JDirectorOct 26 '26Sale39.251,20047,1009,110Oct 28 01:46 PM
Santos Edwin JDirectorOct 26 '26Proposed Sale39.251,20047,100Oct 26 10:09 AM
Handy Edward O. IIIChairman and CEOJul 28 '26Sale38.9413533,453Jul 28 03:36 PM
Lora Rolando AEVP Ch Ret Len Off Dir Com LenApr 30 '26Sale31.5588527,92611,292May 04 01:50 PM
Lora Rolando AOfficerApr 30 '26Proposed Sale31.5688527,926Apr 30 01:45 PM
Handy Edward O. IIIChairman and CEOApr 27 '26Buy31.323,195100,07951,442Apr 28 05:08 PM
Ohsberg Ronald S.SEVP, CFO and TreasurerApr 24 '26Buy31.001,60649,78629,705Apr 28 05:07 PM
Brown James CannonSEVP, Chief Comm'l Banking OffApr 23 '26Buy31.1732,000997,57237,280Apr 27 03:57 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
KBWDInvesco KBW High Dividend Yield Financial ETFAUM: 329.27M
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 200
  • American Banker names Washington Trust to Best Banks to Work For 2026 list (PR Newswire)
  • Washington Trust Joins Veterans Benefits Banking Program (PR Newswire)
  • Washington Trust: Q3 Earnings Snapshot (Associated Press)
  • Washington Trust Reports Third Quarter 2026 Results (PR Newswire)
  • Washington Trust Announces Date of Third Quarter 2026 Earnings Release, Conference Call and Webcast (PR Newswire)
  • Washington Trust Bancorp, Inc. Announces Quarterly Dividend (PR Newswire)
  • Washington Trust launches Age With Wisdom education series to help Rhode Island and Connecticut older adults prevent financial exploitation and plan for the future (PR Newswire)
  • Washington Trust Bancorp Inc (WASH) Q2 2026 Earnings Call Highlights: Strong Net Income and ... (GuruFocus.com) +8.15%
  • Washington Trust: Q2 Earnings Snapshot (Associated Press)
  • Washington Trust Reports Second Quarter 2026 Results (PR Newswire)
  • Washington Trust to open 30th branch in historic Bristol, R.I. (PR Newswire)
  • Washington Trust Announces Date of Second Quarter 2026 Earnings Release, Conference Call and Webcast (PR Newswire)
  • Washington Trust Bancorp, Inc. Announces Quarterly Dividend (PR Newswire)
  • Forbes names Washington Trust to America's Best-In-State Banks list for eighth consecutive year (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-191.0100.8711.01064.9662.624
2026Q22026-07-200.8300.7690.83260.4759.914
2026Q12026-04-200.6600.7590.65757.8358.244
2025Q42026-01-280.8300.7490.83459.2556.384
2025Q32025-10-200.5600.4640.56456.4756.394
2025Q22025-07-210.6800.6330.68454.2654.074
2025Q12025-04-210.6300.6300.62959.0753.163
2024Q42025-01-29-3.4600.580-3.483-44.9646.452
2024Q32024-10-210.6400.5570.64048.5347.873
2024Q22024-07-220.6300.4930.63248.2546.973
2024Q12024-04-220.6400.4530.64048.8346.074
2023Q42024-01-240.7600.5680.75845.9648.944
2023Q32023-10-230.6500.5830.65448.9849.044
2023Q22023-07-240.6600.6270.66047.8348.413
2023Q12023-04-240.7400.9000.74550.4854.713
2022Q42023-01-250.9501.0900.95555.1359.684

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY3.0002.9382.643184.34185.62
2018FY3.9303.9353.927194.4194.48
2019FY3.9604.0303.961200.49202.06
2020FY4.0003.9184.004226.89221.86
2021FY4.3904.2224.391228.83224.65
2022FY4.1104.2534.113218.59223.56
2023FY2.8202.6132.819193.24196.24
2024FY-1.6302.420-1.635100.65189.66
2025FY2.7102.6232.710229.05219.67
2026FY-3.362--246.89
2027FY-3.620--262.9
2028FY-3.627--273.87

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2021064.3164.0964.54
2026Q4S2026-10-1920063.5863.4463.72
2026Q4S2026-10-0620063.5863.4463.72
2026Q4S2026-10-0420063.7863.7263.83
2026Q4S2026-07-2122063.7863.7263.83
2026Q4S2026-07-0520062.8962.8162.97
2026Q4S2026-04-2120262.8962.8162.97
2026Q4S2026-04-1420064.0963.7764.41
2026Q4S2026-03-1221064.0963.7764.41
2026Q4S2026-01-2911064.4164.4164.41
2026Q4S2026-01-0410059.8759.8759.87
2026Q4S2025-11-1110159.8759.8759.87
2026Q4S2025-11-1010159.8759.8759.87
2026Q4S2025-11-0910159.8759.8759.87

Estimate history

EPS, annual2.6433.9273.9614.0044.3914.1132.819-1.6352.713.3292
Period201720182019202020212022202320242025TTM
EPS, quarterly0.64-3.4830.6290.6840.5640.8340.6570.8321.006
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual211.609236.06260.75259.389240.047254.311363.409309.068385.661378.1
Period201720182019202020212022202320242025TTM
Sales, quarterly103.7323.93995.0895.3998.09697.09591.5793.15996.272
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual17.22717.30217.36317.26517.33117.18317.03119.27419.03519.081
Period201720182019202020212022202320242025MRQ
Shares, quarterly17.05819.27419.27619.28319.0519.03519.04119.07119.081
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income307.39318.09340.68308.66194.47158.00169.94197.66176.41
Total Interest Expense139.62164.90212.23171.5638.4816.5642.4964.2544.12
Net Interest Income167.77153.19128.45137.10155.99141.44127.44133.41132.29
Loan Loss Provision8.009.202.403.20-1.30-4.8212.341.571.55
Net Interest Income After Loan Loss Provision159.77143.99126.05133.90157.29146.26115.10131.84130.74
Non-Interest Income70.7067.57-31.6154.7559.8582.0589.4563.0959.65
Non-Interest Expense149.11144.70136.34132.17125.97124.19113.98106.75103.89
Operating Income81.3666.86-41.9156.4891.17104.1290.5788.1886.50
Unusual Expense0.006.44-2.100.000.005.931.410.00-0.19
Net Income Before Taxes81.3667.41-38.8256.4891.1798.1989.1688.1886.69
Income Taxes17.4215.17-10.768.3019.4921.3219.3319.0618.26
Consolidated Net Income63.9452.24-28.0448.0971.4876.6569.6868.9868.29
Net Income From Continuing Operations63.9452.24-28.0448.0971.4876.6569.6868.9868.29
Net Income63.9452.24-28.0448.0971.4876.6569.6868.9868.29
EPS (Recurring)3.322.94-1.722.824.114.634.063.963.92
EPS (Basic, Before Extraordinaries)3.362.72-1.642.824.144.434.033.983.95
EPS (Diluted)3.332.71-1.642.824.114.394.003.963.93
Non-Operating Income (Expense)0.006.990.990.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.02-0.09-0.20-0.22-0.15-0.14-0.14
Stock Option Compensation Expense2.372.482.031.572.392.344.571.561.18
Price To Earnings Ratio11.8011.8011.7510.7510.9412.8311.1513.5812.09
Price To Sales Ratio1.941.481.741.523.224.103.013.593.50
Operating Margin21.5217.34-13.5615.5435.8543.3734.9233.8236.65
Net Margin16.9113.55-9.0713.2328.1131.9326.8626.4528.93
Shares Outstanding19.0819.0319.2717.0317.1817.3317.2717.3617.30
Market Capitalization750.37750.37603.91551.46810.59976.76773.46935.95822.03

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income78.4175.1774.9878.8480.9478.8579.4681.84
Total Interest Expense33.7133.3734.4638.0942.1141.6643.0448.90
Net Interest Income44.6941.8040.5240.7538.8337.1936.4232.94
Loan Loss Provision1.801.604.000.606.800.601.201.00
Net Interest Income After Loan Loss Provision42.8940.2036.5240.1532.0336.5935.2231.94
Non-Interest Income17.8717.9916.5918.2617.1516.5415.62-77.90
Non-Interest Expense36.4037.9237.0537.7435.2436.0035.7334.28
Operating Income24.3620.2716.0620.6713.9417.1315.11-80.25
Unusual Expense0.000.000.000.000.000.006.440.00
Net Income Before Taxes24.3620.2716.0620.6713.9417.1315.67-80.25
Income Taxes4.984.293.464.693.103.893.49-19.46
Consolidated Net Income19.3815.9812.6015.9710.8513.2412.18-60.78
Net Income From Continuing Operations19.3815.9812.6015.9710.8513.2412.18-60.78
Net Income19.3815.9812.6015.9710.8513.2412.18-60.78
EPS (Recurring)1.010.830.660.830.560.680.86-3.48
EPS (Basic, Before Extraordinaries)1.020.840.660.840.570.690.63-3.48
EPS (Diluted)1.010.830.660.830.560.680.63-3.48
Non-Operating Income (Expense)0.000.000.000.000.000.006.990.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.01
Stock Option Compensation Expense0.670.670.510.520.660.690.620.39
Price To Earnings Ratio11.8013.3212.35----11.75
Price To Sales Ratio1.941.841.681.471.901.841.961.75
Operating Margin25.3021.7617.5421.2914.2117.9615.89-2,037.27
Net Margin20.1317.1513.7616.4511.0613.8912.81-1,542.93
Shares Outstanding19.0819.0719.0419.0319.0519.2819.2819.27
Market Capitalization750.37695.51637.08562.48553.59545.55594.86603.91

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks29.4821.5312.3249.6946.9655.7448.7956.2247.95
Investments1,108.671,416.191,202.181,160.161,261.311,216.021,096.701,046.51895.92
Net Loans5,097.155,095.885,606.655,072.114,233.844,151.883,865.993,653.293,347.58
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets--------0.13
Net Property, Plant & Equipment61.3153.8261.6658.7155.6058.3955.4929.0028.33
Interest Receivables23.2025.3026.6020.7012.6013.700.000.000.00
Deferred Tax Assets58.9482.4074.8175.0431.7232.4823.5920.0718.49
Other Intangible Assets265.03254.90239.63242.31226.81205.24217.39213.47199.19
Total Assets6,643.786,950.027,223.856,678.725,868.845,733.465,307.945,018.564,537.60
Total Deposits5,269.995,115.805,348.165,018.964,980.054,378.353,498.883,524.053,242.71
Total Debt687.411,177.261,244.711,032.24196.69648.261,193.011,009.60814.04
Long Term Debt292.52423.27690.47133.0682.73127.11216.47238.80814.04
Provision for Risks Charges14.1514.1613.2013.5617.7217.9716.4414.6016.61
Deferred Tax Liabilities22.0919.3821.0018.6617.7120.2915.287.797.75
Other Liabilities106.56123.70124.10141.6291.86134.3980.8414.3343.22
Total Liabilities6,100.206,450.296,751.166,225.055,304.035,199.274,804.454,570.384,124.31
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity543.58499.73472.69453.67564.81534.20503.49448.18413.28
Total Shareholders Equity543.58499.73472.69453.67564.81534.20503.49448.18413.28
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity543.58499.73472.69453.67564.81534.20503.49448.18413.28
Total Liabilities & Stockholders Equity6,643.786,950.027,223.856,678.725,868.845,733.465,307.945,018.564,537.60
Book Value Per Share28.5625.9327.7526.4032.5930.9429.0025.9023.99
Tangible Book Value Per Share24.9722.4623.7822.4228.5926.8724.9021.7419.75
Tier 1 Capital577.22576.73572.96571.79546.36503.79467.30428.34389.29
Tier 2 Capital38.3841.0338.2633.2131.7735.7027.3127.3626.75
Full-Time Employees642618665651623609619623600
Price to Book Ratio1.411.061.281.871.731.451.851.832.21
Return on Assets0.77-0.400.691.141.321.261.341.431.01
Return on Equity10.02-5.7710.3814.0413.9513.4314.5015.8511.09
Return on Invested Capital6.25-3.044.1312.1811.8410.549.589.943.73
Current Ratio0.030.030.020.030.060.100.060.050.04

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations81.8776.9055.6647.9172.7654.3342.0264.6768.01
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-8.237.74-4.01-14.243.35-0.69-8.283.731.80
Cash from Operating Activities73.6584.6451.6533.6776.1153.6433.7468.4069.81
Capital Expenditures-6.23-9.19-4.00-5.05-13.14-10.49-3.41-3.13-8.97
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.0011.781.670.000.000.000.000.210.00
Purchase or Sale of Investments100.2011.4867.143.92-120.25-179.4110.8962.23-159.23
Purchase of Investments-4.98-77.72-384.04-68.57-236.36-600.01-519.07-207.57-251.80
Sale Or Maturity of Investments105.1889.20451.1772.48116.12420.60529.95269.8092.58
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.001.930.001.530.790.330.00
Cash from Investing Activities75.18301.10237.32-552.91-962.15-193.72-261.50-155.08-468.77
Cash Dividends Paid-43.04-43.33-38.40-38.63-37.65-36.35-35.50-34.19-29.31
Change in Capital Stock-0.80-7.7670.49-9.57-10.30-0.18-4.790.27-0.67
Repurchase of Common Pref Stock-0.63-7.360.00-8.81-9.480.00-4.320.000.00
Sale of Common Pref Stock-0.17-0.4070.49-0.75-0.82-0.18-0.470.27-0.67
Proceedsfrom Stock Options0.000.0070.520.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-415.00-499.00-65.00210.00835.00-448.86-547.61190.74159.37
Change in Long Term Debt-415.00-499.00-65.00210.00835.00-448.86-547.61190.74159.37
Issuance of Long Term Debt1,690.001,857.002,385.003,515.003,156.111,294.182,189.131,982.002,040.00
Reduction of Long Term Debt-2,105.00-2,356.00-2,450.00-3,305.00-2,321.11-1,743.04-2,736.73-1,791.26-1,880.63
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.00-1.22
Other Financing Activities Uses---------1.22
Cash from Financing Activities-245.66-395.89-265.27491.00825.96116.31291.57131.66409.51
Net Change in Cash-96.84-10.1523.70-28.24-60.07-23.7763.8144.9810.55
Free Cash Flow67.4282.6447.6528.6269.9750.1530.3365.2765.84
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow30.0214.4958.11-25.3771.31-30.1422.63
Federal Home Loan Advances Increase (Decrease)-20.342.08-8.43-30.4317.2520.57-4.79-5.55

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks21.6826.4427.7829.4835.6044.00
Investments998.821,079.091,075.311,108.671,217.651,209.65
Net Loans5,124.365,060.504,973.765,097.155,086.015,099.20
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment62.1261.2061.7661.3161.0361.15
Interest Receivables23.4021.6021.8023.2024.3023.90
Deferred Tax Assets47.2036.3036.6058.9436.9040.50
Other Intangible Assets260.91262.78262.19265.03256.42266.77
Total Assets6,538.496,547.906,459.206,643.786,717.926,745.17
Total Deposits5,436.025,358.875,164.635,269.995,222.845,045.25
Total Debt435.76516.62637.40687.41852.421,061.98
Long Term Debt200.76296.62297.40292.52466.15444.43
Provision for Risks Charges0.000.000.0014.150.000.00
Deferred Tax Liabilities---22.09--
Other Liabilities135.94118.89110.39106.56109.64110.42
Total Liabilities6,007.725,994.385,912.426,100.206,184.906,217.65
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity530.77553.52546.77543.58533.02527.52
Total Shareholders Equity530.77553.52546.77543.58533.02527.52
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity530.77553.52546.77543.58533.02527.52
Total Liabilities & Stockholders Equity6,538.496,547.906,459.206,643.786,717.926,745.17
Book Value Per Share27.8229.0228.7228.5627.9827.36
Tangible Book Value Per Share24.2725.4625.1424.9724.3923.91
Tier 1 Capital595.27585.47579.66577.22572.06579.70
Tier 2 Capital41.8343.9142.3738.3837.6242.25
Full-Time Employees---642--
Price to Book Ratio1.411.271.171.061.061.04
Return on Assets0.960.830.810.77-0.35-0.35
Return on Equity12.0210.259.8610.02-4.73-4.88
Return on Invested Capital2.651.881.491.911.091.36
Current Ratio0.030.040.030.030.050.04

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations18.9916.4716.9429.4818.2614.75
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.315.16-6.34-7.3614.787.74
Cash from Operating Activities19.3021.6310.6022.1233.0422.48
Capital Expenditures-2.67-1.08-1.31-1.17-2.52-5.40
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments21.8025.9326.1826.2821.43-51.38
Purchase of Investments-2.70-0.43-0.19-1.66-2.30-73.50
Sale Or Maturity of Investments24.5026.3626.3827.9423.7322.12
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-37.96-57.41152.0018.5441.27-119.14
Cash Dividends Paid-10.69-10.94-10.69-10.72-10.82-10.98
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.31-0.31-0.10-0.69-6.48-0.55
Repurchase of Common Pref Stock0.000.000.00-0.63-6.44-0.30
Sale of Common Pref Stock0.31-0.31-0.10-0.06-0.04-0.26
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-80.00-120.00-50.00-165.00-210.00151.00
Change in Long Term Debt-80.00-120.00-50.00-165.00-210.00151.00
Issuance of Long Term Debt305.00380.00635.00370.00465.00752.00
Reduction of Long Term Debt-385.00-500.00-685.00-535.00-675.00-601.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Cash from Financing Activities-13.2462.99-166.15-129.26-49.71144.13
Net Change in Cash-31.9027.21-3.55-88.6024.6147.48
Free Cash Flow16.6320.559.2920.9532.7022.08
Price to Free Cash Flow30.0217.3815.3514.4015.2124.93

Revenue breakdown

Card Interchange Fees2024: 5.00M 2025: 5.14M
Deposit Account2024: 3.03M 2025: 3.24M
Gain on sale of bank-owned properties, net2025: 6.99M
Investment Advisory, Management and Administrative Service2024: 39.05M 2025: 41.24M
Other Noninterest Income2024: 1.14M 2025: 1.14M
United States2024: 48.22M 2025: 57.74M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-307.29%1.4M18.7M131.98K
2026-10-157.31%1.4M18.6M140.89K
2026-09-307.41%1.4M18.6M144.51K
2026-09-157.46%1.4M18.6M163.78K
2026-08-317.55%1.4M18.6M169.51K
2026-08-147.11%1.3M18.6M170.39K
2026-07-316.71%1.3M18.6M179.59K
2026-07-156.33%1.2M18.6M197.46K
2026-06-306.44%1.2M18.6M201.44K
2026-06-155.66%1.1M18.6M198.10K
2026-05-295.09%0.9M18.6M197.85K
2026-05-154.93%0.9M18.6M192.05K
2026-04-305.32%1.0M18.6M189.47K
2026-04-155.47%1.0M18.7M164.26K
2026-03-314.48%0.8M18.7M153.48K
2026-03-134.21%0.8M18.7M134.55K
2026-02-274.24%0.8M18.7M123.62K
2026-02-134.09%0.8M18.7M121.62K
2026-01-303.96%0.7M18.7M114.83K
2026-01-153.94%0.7M18.7M118.66K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call20.0018.1020.600.004.4240.000.000.961-0.0730.005
call22.5014.5018.600.004.1420.000.000.954-0.0710.006
call25.0012.0016.100.003.5820.000.000.946-0.0680.007
call30.008.1011.500.002.1040.000.000.870-0.1180.013
call35.002.056.000.001.5990.000.000.787-0.0920.018
call40.000.100.901.150.5322030.000.416-0.0770.024
call45.000.000.050.130.5653.000.000.067-0.0250.008
call50.000.001.150.050.7970.000.000.028-0.0170.004
call55.000.001.150.001.0500.000.000.022-0.0190.003
call60.000.004.700.001.2590.000.000.019-0.0200.003
put20.000.004.700.002.7350.000.00-0.038-0.0770.005
put22.500.004.500.002.2840.000.00-0.045-0.0730.006
put25.000.000.300.001.9340.000.00-0.053-0.0710.007
put30.000.000.750.001.6750.000.00-0.129-0.1200.013
put35.000.000.750.450.9493.000.00-0.211-0.0930.018
put40.000.002.201.210.68532.000.00-0.582-0.0790.024
put45.005.107.100.001.2710.000.00-0.958-0.0160.005
put50.008.5013.000.002.1910.000.00-0.971-0.0180.004
put55.0014.5016.900.001.9200.000.00-0.976-0.0190.003
put60.0019.5021.900.002.1970.000.00-0.980-0.0190.003

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-05SCHEDULE 13G/ASEC
2026-10-284Statement of changes in beneficial ownership of securities2026-10-26SEC
2026-10-26144Filing for proposed sale of securities under Rule 144.SEC
2026-10-198-KCurrent report2026-10-19SEC
2026-08-14EFFECTEffectiveness filing by commission orderSEC
2026-08-07S-3Registration statement for specified transactions by certain issuers including face-amount certificate companiesSEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-28SEC
2026-07-208-KCurrent report2026-07-20SEC
2026-07-17SCHEDULE 13G/ASEC
2026-05-128-KCurrent report2026-05-12SEC
2026-05-08S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-05-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-06SCHEDULE 13G/ASEC
2026-05-044Statement of changes in beneficial ownership of securities2026-04-30SEC
2026-05-018-KCurrent report2026-04-28SEC
2026-04-30SCHEDULE 13GSEC
2026-04-30144Filing for proposed sale of securities under Rule 144.SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-303Initial statement of beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC
2026-04-304Statement of changes in beneficial ownership of securities2026-04-28SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100047.10K1
2026-090000
2026-080000
2026-0700351
2026-060000
2026-050000
2026-041.15M327.93K1
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.11.73%
FMR LLC8.04%
VANGUARD CAPITAL MANAGEMENT LLC4.43%
FRANKLIN RESOURCES INC4.41%
DIMENSIONAL FUND ADVISORS LP4.33%
STATE STREET CORP4.06%
GEODE CAPITAL MANAGEMENT, LLC2.76%
AQR CAPITAL MANAGEMENT LLC2.42%
TWO SIGMA INVESTMENTS, LP2.38%
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC1.68%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.19%
iShares Russell 2000 ETF2.72%
Franklin Small Cap Value Fund2.71%
Fidelity Low-Priced Stock Fund2.20%
Avantis U.S. Small Cap Value ETF1.51%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF1.45%
BlackRock Advantage Small Cap Core Fund1.24%
Invesco KBW High Dividend Yield Financial ETF1.16%
Fidelity Small Cap Index Fund1.14%
VANGUARD EXTENDED MARKET INDEX FUND1.14%

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