W.T.B. Financial (WTBFB) AI Stock Analysis

• Market Cap: $728.12M
• Dividend Yield: 2.58%
• Average Volume (3M): 559.00
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.26
• Revenue Growth: 13.87%
• EPS Growth: 0.21%
• Country: US
• Employees: 1,184
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 22.34
• Shares Outstanding: 2,490,818
• 10 Day Avg. Volume: 787
• 30 Day Avg. Volume: 559
• PEG Ratio: 61.31
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

W.T.B. Financial maintains a stable position with strengths in cash generation and technical momentum. However, challenges like declining revenue, high leverage, and uncertainty from the latest earnings call weigh on the outlook. The stock's valuation remains fair, offering reasonable returns amidst market risks.

W.T.B. Financial Business Overview & Revenue Model

Company Description

W.T.B. Financial (WTBFB) is a diversified financial services company operating in the banking, investment management, and insurance sectors. The company provides a wide range of financial products and services, including personal and commercial banking, asset management, and life insurance solutions. W.T.B. Financial is committed to delivering innovative financial solutions to individuals, corporations, and institutional clients, while maintaining a strong focus on customer service and financial stability.

How the Company Makes Money

W.T.B. Financial generates revenue through a multi-faceted business model that includes interest income, fee-based services, and investment returns. The company's banking operations earn interest income from loans and mortgages, while simultaneously generating fees from services such as account management, transaction processing, and financial advisory. In the investment management sector, W.T.B. Financial earns management and performance fees from overseeing client portfolios and mutual funds. Additionally, the insurance arm of the business collects premiums from policyholders, which contribute to the company's revenue. Strategic partnerships with other financial institutions and a strong emphasis on cross-selling financial products also play a significant role in driving W.T.B. Financial's earnings.

W.T.B. Financial Financial Statement Overview

Summary

W.T.B. Financial shows a stable financial position with strong gross profit margins and good cash generation. However, challenges exist with declining revenue, profit margins, and high leverage, indicating a need for better cost management and leverage control.

Income Statement

The income statement shows mixed performance with fluctuations in revenue and profit margins. Gross profit margin is strong due to high gross profit compared to total revenue. However, net profit margin has declined in the latest year, indicating challenges in managing costs. The revenue growth rate is negative, highlighting a decrease in total revenue. EBIT and EBITDA margins have also decreased, suggesting pressure on operating efficiencies.

Balance Sheet

The balance sheet presents a moderate financial position, with a high debt-to-equity ratio indicating significant leverage. The return on equity has decreased, reflecting lower profitability relative to equity. However, the equity ratio remains stable, showing a balanced capital structure. Overall, the balance sheet suggests adequate financial health but with potential risks due to high leverage.

Cash Flow

Cash flow analysis reveals positive free cash flow and a stable operating cash flow to net income ratio, indicating good cash generation capability. However, the free cash flow growth rate is negative, pointing to a decline in cash available for discretionary spending. The company maintains a reasonable free cash flow to net income ratio, showing effective conversion of earnings into cash.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
550.77M	342.33M	394.03M	376.49M	354.84M	322.65M
	Gross Profit
436.79M	495.10M	401.80M	357.91M	306.63M	300.15M
	EBIT
62.45M	78.03M	150.11M	133.77M	100.66M	107.62M
	EBITDA
-6.89M	-6.89M	154.52M	136.51M	106.15M	114.65M
	Net Income Common Stockholders
43.87M	55.85M	114.05M	100.03M	76.31M	83.28M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
74.21M	1.15B	119.93M	62.28M	101.56M	66.63M
	Total Assets
6.55B	11.45B	10.43B	11.10B	9.84B	7.17B
	Total Debt
0.00	2.27B	222.49M	276.76M	233.96M	183.05M
	Net Debt
-74.21M	1.12B	-171.38M	-1.77B	-1.33B	-443.51M
	Total Liabilities
2.43M	10.55B	9.57B	10.27B	9.04B	6.48B
	Stockholders Equity
602.66M	897.44M	867.13M	832.95M	806.52M	695.90M
Cash Flow		Free Cash Flow
0.00	109.62M	112.22M	49.72M	95.86M	68.76M
	Operating Cash Flow
0.00	116.19M	120.78M	129.53M	109.12M	107.03M
	Investing Cash Flow
0.00	-1.03B	677.89M	-1.35B	-2.61B	-575.75M
	Financing Cash Flow
0.00	924.57M	-741.03M	1.18B	2.50B	464.77M

W.T.B. Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 286.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTBFB, the sentiment is Negative. The current price of 286.6 is below the 20-day moving average (MA) of 304.34, below the 50-day MA of 306.38, and below the 200-day MA of 289.30, indicating a bearish trend. The MACD of -0.86 indicates Positive momentum. The RSI at 35.26 is Neutral, neither overbought nor oversold. The STOCH value of 41.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WTBFB.

W.T.B. Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEBO	75 Outperform	$972.01M	8.24	10.77%	5.87%	17.88%	-3.25%
WTBFB	71 Outperform	$728.12M	12.84	6.09%	2.58%	13.87%	0.21%
FFBC	71 Outperform	$2.11B	9.22	9.72%	4.29%	9.95%	-11.02%
Sector *	64 Neutral	$12.70B	9.08	9.19%	4.89%	16.29%	-8.64%
PROV	60 Neutral	$93.34M	15.41	4.82%	4.01%	7.55%	-20.61%
FISI	48 Neutral	$443.12M	8.52	-8.14%	5.48%	-20.47%	-177.92%