W.T.B. Financial Corporation WTBFB

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Price alert · WTBFB

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461.70 USD +0.10 +0.02%

At close · Oct 30

461.60 Day range 461.60
342.00 52-week range 464.96
YTD
+26.49%
1 year
+34.22%
Open
461.60
Prev close
461.60
Mkt cap
1.16B
Vol
18
Avg vol
1.26K
EPS
50.74
P/E
9.10
More statistics
Low
461.60
High
461.60

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 9.6×
FY 2016: 12.5×FY 2017: 21.6×FY 2018: 9.7×FY 2019: 11.7×FY 2020: 11.1×FY 2021: 9.8×FY 2022: 7.5×FY 2023: 13.9×FY 2024: 13.8×FY 2025: 9.6×
FY 2016 5y median 9.8× FY 2025
P/S 1.6×
FY 2016: 2.8×FY 2017: 3.4×FY 2018: 2.7×FY 2019: 3.0×FY 2020: 2.4×FY 2021: 2.6×FY 2022: 2.2×FY 2023: 1.6×FY 2024: 1.4×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
P/B 0.9×
FY 2016: 1.3×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 10.0×
FY 2016: 18.8×FY 2017: 18.4×FY 2018: 9.4×FY 2019: 14.2×FY 2020: 8.8×FY 2021: 19.6×FY 2022: 7.6×FY 2023: 7.1×FY 2024: 26.3×FY 2025: 10.0×
FY 2016 5y median 10.0× FY 2025
EV/EBITDA 6.4×
FY 2016: 9.0×FY 2017: 0.5×FY 2018: -0.5×FY 2019: 3.2×FY 2020: -6.6×FY 2021: -7.6×FY 2022: 3.1×FY 2023: 19.6×FY 2024: 9.4×FY 2025: 6.4×
FY 2016 5y median 6.4× FY 2025
EV/Sales 1.4×
FY 2016: 3.4×FY 2017: 0.2×FY 2018: -0.2×FY 2019: 1.2×FY 2020: -2.0×FY 2021: -2.8×FY 2022: 1.2×FY 2023: 3.1×FY 2024: 1.3×FY 2025: 1.4×
FY 2016 5y median 1.3× FY 2025
FCF Yield 10.0%
FY 2016: 5.3%FY 2017: 5.4%FY 2018: 10.6%FY 2019: 7.0%FY 2020: 11.3%FY 2021: 5.1%FY 2022: 13.1%FY 2023: 14.1%FY 2024: 3.8%FY 2025: 10.0%
FY 2016 5y median 10.0% FY 2025

Profitability

Gross Margin 74.9%
FY 2016: 98.3%FY 2017: 98.4%FY 2018: 96.1%FY 2019: 94.0%FY 2020: 95.7%FY 2021: 97.5%FY 2022: 96.8%FY 2023: 69.1%FY 2024: 62.8%FY 2025: 74.9%
FY 2016 5y median 74.9% FY 2025
Operating Margin 21.3%
FY 2016: 33.9%FY 2017: 33.6%FY 2018: 34.7%FY 2019: 33.1%FY 2020: 27.6%FY 2021: 34.0%FY 2022: 37.0%FY 2023: 14.4%FY 2024: 12.6%FY 2025: 21.3%
FY 2016 5y median 21.3% FY 2025
Net Margin 16.6%
FY 2016: 22.1%FY 2017: 15.9%FY 2018: 27.6%FY 2019: 25.8%FY 2020: 21.5%FY 2021: 26.6%FY 2022: 28.9%FY 2023: 11.3%FY 2024: 9.9%FY 2025: 16.6%
FY 2016 5y median 16.6% FY 2025
ROE 9.4%
FY 2016: 10.4%FY 2017: 7.9%FY 2018: 13.8%FY 2019: 12.0%FY 2020: 9.5%FY 2021: 12.0%FY 2022: 13.2%FY 2023: 6.2%FY 2024: 6.0%FY 2025: 9.4%
FY 2016 5y median 9.4% FY 2025
ROIC 4.5%
FY 2016: 1.8%FY 2017: 5.2%FY 2018: 9.1%FY 2019: 8.9%FY 2020: 6.8%FY 2021: 8.3%FY 2022: 9.5%FY 2023: 1.7%FY 2024: 2.9%FY 2025: 4.5%
FY 2016 5y median 4.5% FY 2025
ROA 0.9%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 1.3%FY 2019: 1.2%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.1%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 0.1%
FY 2016: 11.5%FY 2017: 12.0%FY 2018: 14.8%FY 2019: 7.3%FY 2020: 10.0%FY 2021: 6.1%FY 2022: 4.7%FY 2023: 25.7%FY 2024: 13.9%FY 2025: 0.1%
FY 2016 FY 2025
Operating Income 69.8%
FY 2016: 9.5%FY 2017: 10.9%FY 2018: 18.6%FY 2019: 2.2%FY 2020: -8.3%FY 2021: 30.8%FY 2022: 13.9%FY 2023: -51.2%FY 2024: -0.4%FY 2025: 69.8%
FY 2016 FY 2025
EPS (diluted) 70.1%
FY 2016: 12.7%FY 2017: -19.4%FY 2018: 98.2%FY 2019: 0.4%FY 2020: -7.7%FY 2021: 31.1%FY 2022: 14.9%FY 2023: -50.8%FY 2024: 0.4%FY 2025: 70.1%
FY 2016 FY 2025
Free Cash Flow 204.1%
FY 2016: -13.0%FY 2017: 42.5%FY 2018: 73.8%FY 2019: -19.4%FY 2020: 39.4%FY 2021: -48.1%FY 2022: 125.7%FY 2023: -2.3%FY 2024: -73.1%FY 2025: 204.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 0.4×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 2.1×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -1.1×
FY 2016: 1.6×FY 2017: -9.0×FY 2018: -7.7×FY 2019: -5.3×FY 2020: -14.6×FY 2021: -14.7×FY 2022: -2.5×FY 2023: 9.9×FY 2024: -0.4×FY 2025: -1.1×
FY 2016 5y median -1.1× FY 2025
Interest Coverage 0.8×
FY 2016: 20.2×FY 2017: 20.6×FY 2018: 9.0×FY 2019: 5.5×FY 2020: 6.4×FY 2021: 13.4×FY 2022: 11.5×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 1.2%FY 2017: 0.9%FY 2018: 1.5%FY 2019: 1.8%FY 2020: 2.2%FY 2021: 2.4%FY 2022: 3.0%FY 2023: 2.4%FY 2024: 2.4%FY 2025: 2.5%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 24.2%
FY 2016: 14.8%FY 2017: 20.5%FY 2018: 14.2%FY 2019: 21.5%FY 2020: 24.6%FY 2021: 23.8%FY 2022: 22.9%FY 2023: 33.2%FY 2024: 33.1%FY 2025: 24.2%
FY 2016 5y median 24.2% FY 2025

Annual · latest fiscal year ends 2025-12-31