Washington Business Bank Logo

Washington Business Bank

WBZB

(0.0)
Stock Price

34,00 USD

1.57% ROA

10.09% ROE

13.83x PER

Market Cap.

22.011.570,00 USD

42.11% DER

0% Yield

23.96% NPM

Washington Business Bank Stock Analysis

Washington Business Bank 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.

Washington Business Bank Fundamental Stock Analysis
# Analysis Rating
1 ROE

Unidentified ROE

2 ROA

Unidentified ROA

3 PBV

Unidentified ROA

4 DER

Unidentified DER

5 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

6 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

7 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Graham Number

Unidentified Graham Number

9 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

10 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Washington Business Bank 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.

Washington Business Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

Washington Business Bank 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.

Washington Business Bank Revenue
Year Revenue Growth
2015 3.300.000
2016 3.369.000 2.05%
2017 3.748.000 10.11%
2018 4.393.000 14.68%
2019 4.806.000 8.59%
2020 4.788.000 -0.38%
2021 4.676.000 -2.4%
2022 4.649.000 -0.58%
2023 6.037.000 22.99%
2024 6.816.000 11.43%

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.

Washington Business Bank Research and Development Expenses
Year Research and Development Expenses Growth
2015 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%
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.

Washington Business Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 131.000
2016 129.000 -1.55%
2017 118.000 -9.32%
2018 124.000 4.84%
2019 136.000 8.82%
2020 130.000 -4.62%
2021 147.000 11.56%
2022 158.000 6.96%
2023 168.000 5.95%
2024 0 0%

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.

Washington Business Bank EBITDA
Year EBITDA Growth
2015 -25.000
2016 70.000 135.71%
2017 80.000 12.5%
2018 79.000 -1.27%
2019 1.559.000 94.93%
2020 1.940.000 19.64%
2021 1.956.000 0.82%
2022 1.621.000 -20.67%
2023 2.138.000 24.18%
2024 0 0%

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.

Washington Business Bank Gross Profit
Year Gross Profit Growth
2015 3.300.000
2016 3.369.000 2.05%
2017 3.748.000 10.11%
2018 4.393.000 14.68%
2019 4.806.000 8.59%
2020 4.788.000 -0.38%
2021 4.676.000 -2.4%
2022 4.649.000 -0.58%
2023 6.039.000 23.02%
2024 6.816.000 11.4%

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.

Washington Business Bank Net Profit
Year Net Profit Growth
2015 525.000
2016 453.000 -15.89%
2017 447.000 -1.34%
2018 777.000 42.47%
2019 1.070.000 27.38%
2020 1.352.000 20.86%
2021 1.417.000 4.59%
2022 1.171.000 -21.01%
2023 1.572.000 25.51%
2024 1.392.000 -12.93%

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.

Washington Business Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 1
2016 1 0%
2017 1 0%
2018 1 100%
2019 2 0%
2020 2 50%
2021 2 0%
2022 2 -100%
2023 2 50%
2024 2 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.

Washington Business Bank Free Cashflow
Year Free Cashflow Growth
2015 1.434
2016 326.000 99.56%
2017 614.000 46.91%
2018 955.000 35.71%
2019 1.222.000 21.85%
2020 1.389.000 12.02%
2021 1.712.000 18.87%
2022 1.328.000 -28.92%
2023 1.618.000 17.92%

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.

Washington Business Bank Operating Cashflow
Year Operating Cashflow Growth
2015 1.518
2016 335.000 99.55%
2017 672.000 50.15%
2018 966.000 30.43%
2019 1.273.000 24.12%
2020 1.446.000 11.96%
2021 1.743.000 17.04%
2022 1.364.000 -27.79%
2023 1.648.000 17.23%

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.

Washington Business Bank Capital Expenditure
Year Capital Expenditure Growth
2015 84
2016 9.000 99.07%
2017 58.000 84.48%
2018 11.000 -427.27%
2019 51.000 78.43%
2020 57.000 10.53%
2021 31.000 -83.87%
2022 36.000 13.89%
2023 30.000 -20%

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.

Washington Business Bank Equity
Year Equity Growth
2015 8.404.000
2016 8.569.000 1.93%
2017 8.716.000 1.69%
2018 9.412.000 7.39%
2019 10.352.000 9.08%
2020 11.412.000 9.29%
2021 12.842.000 11.14%
2022 14.179.000 9.43%
2023 15.659.000 9.45%
2024 16.623.000 5.8%

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.

Washington Business Bank Assets
Year Assets Growth
2015 68.830.000
2016 67.706.000 -1.66%
2017 78.165.000 13.38%
2018 87.078.000 10.24%
2019 91.096.000 4.41%
2020 108.350.000 15.92%
2021 108.475.000 0.12%
2022 94.987.000 -14.2%
2023 104.800.000 9.36%
2024 101.580.000 -3.17%

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.

Washington Business Bank Liabilities
Year Liabilities Growth
2015 60.426.000
2016 59.137.000 -2.18%
2017 69.449.000 14.85%
2018 77.666.000 10.58%
2019 80.744.000 3.81%
2020 96.938.000 16.71%
2021 95.633.000 -1.36%
2022 80.808.000 -18.35%
2023 89.141.000 9.35%
2024 84.957.000 -4.92%

Washington Business Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.89
Net Income per Share
2.37
Price to Earning Ratio
13.83x
Price To Sales Ratio
3.31x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.32
EV to Sales
3.1
EV Over EBITDA
17.89
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.07
FreeCashFlow Yield
0
Market Cap
0,02 Bil.
Enterprise Value
0,02 Bil.
Graham Number
36.31
Graham NetNet
-126.91

Income Statement Metrics

Net Income per Share
2.37
Income Quality
0
ROE
0.1
Return On Assets
0.02
Return On Capital Employed
0.05
Net Income per EBT
0.79
EBT Per Ebit
0.51
Ebit per Revenue
0.6
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.6
Pretax Profit Margin
0.3
Net Profit Margin
0.24

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.13
Return on Tangible Assets
0.02
Days Sales Outstanding
17.14
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
21.29
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-1,24
Book Value per Share
24,73
Tangible Book Value per Share
24.73
Shareholders Equity per Share
24.73
Interest Debt per Share
11.18
Debt to Equity
0.42
Debt to Assets
0.07
Net Debt to EBITDA
-1.25
Current Ratio
0.47
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,07 Bil.
Invested Capital
-10046000
Working Capital
-0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
530500
Debt to Market Cap
0.32

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.

Washington Business Bank Dividends
Year Dividends Growth

Washington Business Bank Profile

About Washington Business Bank

Washington Business Bank, a state-chartered bank, provides various banking products and services to small and midsized businesses, and middle-income individuals primarily in western Washington. The company offers ATM/debit cards, online banking, monthly statements, merchant services, Internet bill pay services, cash and coin ordering services, drive-thru banking services, and safety deposit boxes; lines of credit, customized term loans, seasonal lines or loans, expertise services, and commercial real estate and construction loans; and cash management solutions. The company operates one full-service branch in Thurston County, Washington. Washington Business Bank was founded in 2002 and is headquartered in Olympia, Washington.

CEO
Mr. Jon M. Jones
Employee
0
Address
223 5th Avenue SE
Olympia, 98501

Washington Business Bank Executives & BODs

Washington Business Bank Executives & BODs
# Name Age
1 Mr. Jon M. Jones
President, Chief Executive Officer & Director
70
2 Ms. Sue Taylor
Senior Vice President & Operations Manager
70
3 Ms. Christine Wentzel
Senior Vice President & Controller
70
4 Ms. Joanna West
Senior Vice President & Marketing Director
70
5 Mr. Gordon Osberg
Executive Vice President & Chief Credit Officer
70

Washington Business Bank Competitors