Wilson Bank Holding Company Logo

Wilson Bank Holding Company

WBHC

(2.8)
Stock Price

175,00 USD

0.97% ROA

11.64% ROE

42.97x PER

Market Cap.

2.061.202.500,00 USD

0% DER

0.43% Yield

21.97% NPM

Wilson Bank Holding Company Stock Analysis

Wilson Bank Holding Company Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Wilson Bank Holding Company Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROE

The stock's ROE falls within an average range (14.47%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.17%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.03x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (88) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

Wilson Bank Holding Company Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Wilson Bank Holding Company Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Buy
4 Stoch RSI Buy

Wilson Bank Holding Company Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Wilson Bank Holding Company Revenue
Year Revenue Growth
2002 0
2003 37.958.000 100%
2004 40.410.000 6.07%
2005 43.094.000 6.23%
2006 47.798.000 9.84%
2007 50.797.000 5.9%
2008 57.971.000 12.38%
2009 62.690.000 7.53%
2010 66.394.000 5.58%
2011 68.936.000 3.69%
2012 74.289.000 7.21%
2013 76.139.000 2.43%
2014 81.290.000 6.34%
2015 90.172.000 9.85%
2016 98.190.000 8.17%
2017 104.967.000 6.46%
2018 111.666.000 6%
2019 120.468.000 7.31%
2020 134.908.000 10.7%
2021 151.549.000 10.98%
2022 168.536.000 10.08%
2023 165.488.000 -1.84%
2023 251.060.000 34.08%
2024 289.344.000 13.23%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Wilson Bank Holding Company Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Wilson Bank Holding Company General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 11.082.000 100%
2004 12.566.000 11.81%
2005 13.526.000 7.1%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 23.019.000 100%
2011 26.540.000 13.27%
2012 27.917.000 4.93%
2013 29.526.000 5.45%
2014 31.875.000 7.37%
2015 35.720.000 10.76%
2016 38.341.000 6.84%
2017 40.716.000 5.83%
2018 45.113.000 9.75%
2019 48.781.000 7.52%
2020 53.174.000 8.26%
2021 62.045.000 14.3%
2022 60.748.000 -2.14%
2023 62.008.000 2.03%
2023 64.862.000 4.4%
2024 70.520.000 8.02%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Wilson Bank Holding Company EBITDA
Year EBITDA Growth
2002 0
2003 32.181.000 100%
2004 32.063.000 -0.37%
2005 41.818.000 23.33%
2006 51.581.000 18.93%
2007 64.877.000 20.49%
2008 60.956.000 -6.43%
2009 51.709.000 -17.88%
2010 41.688.000 -24.04%
2011 38.713.000 -7.68%
2012 38.876.000 0.42%
2013 40.841.000 4.81%
2014 47.017.000 13.14%
2015 50.811.000 7.47%
2016 54.273.000 6.38%
2017 57.276.000 5.24%
2018 61.248.000 6.49%
2019 53.605.000 -14.26%
2020 56.948.000 5.87%
2021 68.780.000 17.2%
2022 89.090.000 22.8%
2023 58.980.000 -51.05%
2023 4.196.000 -1305.62%
2024 -3.672.000 214.27%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Wilson Bank Holding Company Gross Profit
Year Gross Profit Growth
2002 0
2003 37.958.000 100%
2004 40.410.000 6.07%
2005 43.094.000 6.23%
2006 47.798.000 9.84%
2007 50.797.000 5.9%
2008 57.971.000 12.38%
2009 62.690.000 7.53%
2010 66.394.000 5.58%
2011 68.936.000 3.69%
2012 74.289.000 7.21%
2013 76.139.000 2.43%
2014 81.290.000 6.34%
2015 90.172.000 9.85%
2016 98.190.000 8.17%
2017 104.967.000 6.46%
2018 111.666.000 6%
2019 120.468.000 7.31%
2020 134.908.000 10.7%
2021 151.549.000 10.98%
2022 168.536.000 10.08%
2023 148.688.000 -13.35%
2023 251.060.000 40.78%
2024 277.440.000 9.51%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Wilson Bank Holding Company Net Profit
Year Net Profit Growth
2002 0
2003 9.435.000 100%
2004 9.112.000 -3.54%
2005 10.996.000 17.13%
2006 10.575.000 -3.98%
2007 10.936.000 3.3%
2008 11.398.000 4.05%
2009 11.567.000 1.46%
2010 9.027.000 -28.14%
2011 10.050.000 10.18%
2012 12.148.000 17.27%
2013 15.869.000 23.45%
2014 20.777.000 23.62%
2015 23.863.000 12.93%
2016 25.633.000 6.91%
2017 23.526.000 -8.96%
2018 32.594.000 27.82%
2019 36.044.000 9.57%
2020 38.492.000 6.36%
2021 49.426.000 22.12%
2022 53.042.000 6.82%
2023 45.944.000 -15.45%
2023 48.938.000 6.12%
2024 51.072.000 4.18%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Wilson Bank Holding Company Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 2 100%
2004 2 0%
2005 2 0%
2006 2 -100%
2007 2 0%
2008 2 0%
2009 2 0%
2010 1 0%
2011 1 0%
2012 2 0%
2013 2 50%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 3 33.33%
2019 3 0%
2020 4 0%
2021 4 25%
2022 5 0%
2023 4 -33.33%
2023 4 25%
2024 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Wilson Bank Holding Company Free Cashflow
Year Free Cashflow Growth
2002 17.559.000
2003 13.854.000 -26.74%
2004 10.260.000 -35.03%
2005 10.428.000 1.61%
2006 4.721.000 -120.89%
2007 15.615.000 69.77%
2008 19.764.000 20.99%
2009 11.193.000 -76.57%
2010 21.440.000 47.79%
2011 14.851.000 -44.37%
2012 27.469.000 45.94%
2013 33.090.000 16.99%
2014 17.266.000 -91.65%
2015 21.028.000 17.89%
2016 21.656.000 2.9%
2017 30.007.000 27.83%
2018 33.021.000 9.13%
2019 30.033.000 -9.95%
2020 48.189.000 37.68%
2021 52.526.000 8.26%
2022 68.185.000 22.97%
2023 20.870.000 -226.71%
2023 77.765.000 73.16%
2024 17.541.000 -343.33%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Wilson Bank Holding Company Operating Cashflow
Year Operating Cashflow Growth
2002 17.559.000
2003 19.014.000 7.65%
2004 14.446.000 -31.62%
2005 13.490.000 -7.09%
2006 11.414.000 -18.19%
2007 19.038.000 40.05%
2008 22.202.000 14.25%
2009 12.698.000 -74.85%
2010 24.043.000 47.19%
2011 19.838.000 -21.2%
2012 29.415.000 32.56%
2013 37.164.000 20.85%
2014 21.411.000 -73.57%
2015 25.640.000 16.49%
2016 26.803.000 4.34%
2017 42.667.000 37.18%
2018 40.773.000 -4.65%
2019 36.077.000 -13.02%
2020 50.409.000 28.43%
2021 61.448.000 17.96%
2022 73.207.000 16.06%
2023 21.789.000 -235.98%
2023 82.408.000 73.56%
2024 18.239.000 -351.82%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Wilson Bank Holding Company Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 5.160.000 100%
2004 4.186.000 -23.27%
2005 3.062.000 -36.71%
2006 6.693.000 54.25%
2007 3.423.000 -95.53%
2008 2.438.000 -40.4%
2009 1.505.000 -61.99%
2010 2.603.000 42.18%
2011 4.987.000 47.8%
2012 1.946.000 -156.27%
2013 4.074.000 52.23%
2014 4.145.000 1.71%
2015 4.612.000 10.13%
2016 5.147.000 10.39%
2017 12.660.000 59.34%
2018 7.752.000 -63.31%
2019 6.044.000 -28.26%
2020 2.220.000 -172.25%
2021 8.922.000 75.12%
2022 5.022.000 -77.66%
2023 919.000 -446.46%
2023 4.643.000 80.21%
2024 698.000 -565.19%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Wilson Bank Holding Company Equity
Year Equity Growth
2002 0
2003 69.872.000 100%
2004 78.520.000 11.01%
2005 95.110.000 17.44%
2006 106.168.000 10.42%
2007 118.185.000 10.17%
2008 129.118.000 8.47%
2009 139.557.000 7.48%
2010 144.333.000 3.31%
2011 157.348.000 8.27%
2012 169.698.000 7.28%
2013 177.671.000 4.49%
2014 200.892.000 11.56%
2015 223.438.000 10.09%
2016 244.620.000 8.66%
2017 267.730.000 8.63%
2018 295.667.000 9.45%
2019 336.984.000 12.26%
2020 380.121.000 11.35%
2021 413.717.000 8.12%
2022 360.452.000 -14.78%
2023 429.405.000 16.06%
2023 385.098.000 -11.51%
2024 435.519.000 11.58%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Wilson Bank Holding Company Assets
Year Assets Growth
2002 6.000
2003 852.619.000 100%
2004 937.248.000 9.03%
2005 1.052.263.000 10.93%
2006 1.230.285.000 14.47%
2007 1.334.245.000 7.79%
2008 1.406.786.000 5.16%
2009 1.464.008.000 3.91%
2010 1.488.106.000 1.62%
2011 1.577.370.000 5.66%
2012 1.680.820.000 6.15%
2013 1.748.971.000 3.9%
2014 1.873.242.000 6.63%
2015 2.021.604.000 7.34%
2016 2.198.051.000 8.03%
2017 2.317.033.000 5.14%
2018 2.543.682.000 8.91%
2019 2.794.209.000 8.97%
2020 3.369.604.000 17.08%
2021 3.989.596.000 15.54%
2022 4.285.650.000 6.91%
2023 4.848.678.000 11.61%
2023 4.625.140.000 -4.83%
2024 4.940.287.000 6.38%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Wilson Bank Holding Company Liabilities
Year Liabilities Growth
2002 0
2003 782.747.000 100%
2004 858.728.000 8.85%
2005 957.153.000 10.28%
2006 1.124.117.000 14.85%
2007 1.216.060.000 7.56%
2008 1.277.668.000 4.82%
2009 1.324.451.000 3.53%
2010 1.343.773.000 1.44%
2011 1.420.022.000 5.37%
2012 1.511.122.000 6.03%
2013 1.571.300.000 3.83%
2014 1.672.350.000 6.04%
2015 1.798.166.000 7%
2016 1.953.431.000 7.95%
2017 2.049.303.000 4.68%
2018 2.248.015.000 8.84%
2019 2.457.225.000 8.51%
2020 2.989.483.000 17.8%
2021 20.808.000 -14266.99%
2022 3.925.198.000 99.47%
2023 4.419.273.000 11.18%
2023 53.844.000 -8107.55%
2024 4.504.768.000 98.8%

Wilson Bank Holding Company Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
18.53
Net Income per Share
4.07
Price to Earning Ratio
42.97x
Price To Sales Ratio
9.46x
POCF Ratio
26.42
PFCF Ratio
28.1
Price to Book Ratio
4.72
EV to Sales
8.25
EV Over EBITDA
58.93
EV to Operating CashFlow
23.1
EV to FreeCashFlow
24.5
Earnings Yield
0.02
FreeCashFlow Yield
0.04
Market Cap
2,06 Bil.
Enterprise Value
1,80 Bil.
Graham Number
58.27
Graham NetNet
-289

Income Statement Metrics

Net Income per Share
4.07
Income Quality
1.63
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.78
EBT Per Ebit
1.28
Ebit per Revenue
0.22
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.95
Operating Profit Margin
0.22
Pretax Profit Margin
0.28
Net Profit Margin
0.22

Dividends

Dividend Yield
0
Dividend Yield %
0.43
Payout Ratio
0.37
Dividend Per Share
0.75

Operating Metrics

Operating Cashflow per Share
6.62
Free CashFlow per Share
6.24
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.02
Capex to Depreciation
-1.09
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
27.85
Days Payables Outstanding
0
Days of Inventory on Hand
-1680.4
Receivables Turnover
13.11
Payables Turnover
0
Inventory Turnover
-0.22
Capex per Share
-0.38

Balance Sheet

Cash per Share
95,34
Book Value per Share
37,05
Tangible Book Value per Share
36.65
Shareholders Equity per Share
37.05
Interest Debt per Share
6.21
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-8.64
Current Ratio
0.76
Tangible Asset Value
0,43 Bil.
Net Current Asset Value
-4,21 Bil.
Invested Capital
0
Working Capital
-0,09 Bil.
Intangibles to Total Assets
0
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
-558816500
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Wilson Bank Holding Company Dividends
Year Dividends Growth
2016 0
2018 1 100%
2019 1 0%
2023 2 0%

Wilson Bank Holding Company Profile

About Wilson Bank Holding Company

Wilson Bank Holding Company operates as the bank holding company for Wilson Bank and Trust that provides a range of banking services to individuals, professionals, and small businesses in Tennessee. It offers checking, savings, and money market deposit accounts, as well as certificates of deposit; individual retirement accounts; home, home equity, home mortgage, land, construction, bridge, vehicle, personal, and business loans; credit and debit cards; and custodial and trust services. The company also provides asset allocation and management; portfolio management; and estate, financial, retirement, education, and business planning services, as well as stocks, bonds, and mutual funds. In addition, it offers personal and business insurance products; e-statement, mobile deposit, sweep, and payroll services; and online, mobile, and telephone banking services. Wilson Bank Holding Company was founded in 1987 and is based in Lebanon, Tennessee.

CEO
Mr. John Carlos McDearman III
Employee
584
Address
623 West Main Street
Lebanon, 37087

Wilson Bank Holding Company Executives & BODs

Wilson Bank Holding Company Executives & BODs
# Name Age
1 Westley James
SVice President of Commercial Lending
70
2 Mr. John Goodman
Senior Vice President & Regional President
70
3 Mr. John Carlos McDearman III
President, Chief Executive Officer & Director
70
4 Mr. Clark Oakley
Executive Vice President & Chief Operating Officer of Wilson Bank & Trust
70
5 Mr. Stephen Jaquish
SVice President & Chief Information Officer
70
6 Mr. John Foster
Executive Vice President
70
7 Ms. Vickie Shrum
Senior Vice President & Human Resources Director
70
8 Mr. Taylor Walker
Executive Vice President & Chief Credit Officer
70
9 Ms. Kayla Hawkins
Executive Vice President & Chief Financial Officer
70
10 Mr. Mac Griffin
Senior Vice President of Regulatory
70

Wilson Bank Holding Company Competitors