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WBHC.PK OTC Banks

Wilson Bank Holding Co

$1 500,00
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Mcap
P/E
EV / Rev
Div yield
0,49 %
Op margin
ROE
13,0 %
Net margin
38,7 %
Debt / equity
0,01
Beta
52w range
Volume
Day range
Prev close
Open
Next earnings
2026-10-28
Ex-dividend
TR 1Y
About

Wilson Bank Holding Co maintains a conservative capital structure with a debt-to-equity ratio of 0.01, indicating minimal leverage and strong equity backing. The company's liquidity position is assessed as medium, with a free cash flow of $68.01 million and operating cash flow of $89.95 million, suggesting adequate short-term liquidity to meet obligations. However, the company's net cash position is negative after subtracting total debt, signaling potential liquidity constraints in the near term. In terms of profitability, Wilson Bank Holding Co demonstrates a return on equity (ROE) of 13.01%, which is a strong indicator of efficient capital use and profitability relative to its equity base. The return on assets (ROA) of 1.29% is in line with industry expectations, reflecting the company's ability to generate returns from its asset base. These metrics suggest that the company is performing well in terms of profitability and capital efficiency compared to industry standards. The company's revenue is primarily concentrated in its core banking operations, with no significant geographic diversification reported in the available data. This concentration may expose the company to regio

Business. Wilson Bank Holding Co (WBHC.PK) is a financial services company operating in the banking industry, primarily generating revenue through interest income. The firm is listed on the OTC market under the ticker symbol WBHC.PK. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data.

Classification99 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
13,0 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning WBHC.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to WBHC.PK. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Wilson Bank Holding Co (WBHC.PK) is a financial services company operating in the banking industry, primarily generating revenue through interest income. The firm is listed on the OTC market under the ticker symbol WBHC.PK. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data.

    Classification99 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    Wilson Bank Holding Co maintains a conservative capital structure with a debt-to-equity ratio of 0.01, indicating minimal leverage and strong equity backing. The company's liquidity position is assessed as medium, with a free cash flow of $68.01 million and operating cash flow of $89.95 million, suggesting adequate short-term liquidity to meet obligations. However, the company's net cash position is negative after subtracting total debt, signaling potential liquidity constraints in the near term.

    In terms of profitability, Wilson Bank Holding Co demonstrates a return on equity (ROE) of 13.01%, which is a strong indicator of efficient capital use and profitability relative to its equity base. The return on assets (ROA) of 1.29% is in line with industry expectations, reflecting the company's ability to generate returns from its asset base. These metrics suggest that the company is performing well in terms of profitability and capital efficiency compared to industry standards.

    The company's revenue is primarily concentrated in its core banking operations, with no significant geographic diversification reported in the available data. This concentration may expose the company to regional economic fluctuations, which could impact its revenue stability.

    Looking at the growth trajectory, Wilson Bank Holding Co is expected to maintain a stable revenue performance in the current fiscal year, with no significant growth or decline projected. The company's capital expenditure is negative, indicating a reduction in investment in physical assets, which may reflect a focus on cost optimization or a mature business model with limited expansion needs.

    The risk assessment for Wilson Bank Holding Co highlights a medium liquidity risk and a low dilution risk. The company's low dilution risk is supported by a stable share count, with no significant changes in shares outstanding between basic and diluted shares. However, the negative net cash position after debt subtraction suggests a need for careful liquidity management to avoid potential shortfalls.

    Recent events and filings do not indicate any material changes in the company's operations or financial position. The company's financial statements and disclosures remain consistent with its historical performance, with no significant new risks or opportunities identified in the latest filings.

    Key takeaways
    • Wilson Bank Holding Co maintains a conservative capital structure with a low debt-to-equity ratio of 0.01.
    • The company's return on equity of 13.01% indicates strong profitability and efficient use of equity.
    • Revenue is primarily concentrated in core banking operations, with no significant geographic diversification.
    • The company's liquidity position is assessed as medium, with a free cash flow of $68.01 million.
    • Wilson Bank Holding Co faces a low dilution risk, supported by a stable share count.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $1 500,00
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    $581.7M
    Net cash
    -$4.2M
    Current ratio
    Debt / equity
    0.0
    ROA
    1.3%
    ROE
    13.0%
    Cash conversion
    119.0%
    CapEx / revenue
    -1.9%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Brokerage Services
    low · business_description · 2026-07-03
    Commercial Banking
    low · business_description · 2026-07-03
    Commercial Real Estate Lending
    low · business_description · 2026-07-03
    Credit Cards & Consumer Finance
    low · business_description · 2026-07-03
    Deposit Services
    low · business_description · 2026-07-03
    Wealth Management
    low · business_description · 2026-07-03

    Market share

    INDUSTRYSEGMENTCOMPANYFinancialsIndustryBanks731,3B node revenueBAC 15,5%BACRP 15,5%WFCNP 11,6%MUFG 9,2%MFG 6,9%SHG 6,7%NWG 5,5%ITUB 4,5%Other 24,7%
    Source: company disclosures · own-taxonomy revenue-covered setWBHC 0,1% · rank #32 of 106

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    Peer comparison8 peers · vs WBHC · multiples and returns
    BA
    BAC
    Bank Of America Corp
    $62,26
    461,8B USD
    P/E
    14,5x
    vs self
    Div yield
    1,8 %
    vs self
    ROE
    10,2 %
    vs self
    BA
    BACRP
    BACRP.PK
    P/E
    vs self
    Div yield
    vs self
    ROE
    vs self
    WF
    WFCNP
    WFCNP.PK
    P/E
    vs self
    Div yield
    vs self
    ROE
    vs self
    MU
    MUFG
    Mitsubishi Ufj Finl-spon Adr
    $22,01
    P/E
    vs self
    Div yield
    229,3 %
    vs self
    ROE
    vs self
    MF
    MFG
    Mizuho Financial Group
    P/E
    vs self
    Div yield
    vs self
    ROE
    vs self
    SH
    SHG
    Shinhan Financial Group
    P/E
    vs self
    Div yield
    vs self
    ROE
    vs self
    NW
    NWG
    Natwest Group PLC -spon Adr
    P/E
    vs self
    Div yield
    vs self
    ROE
    vs self
    IT
    ITUB
    ITAU UNIBANCO S.A.
    $41,88
    226,3B USD
    P/E
    1,0x
    vs self
    Div yield
    5,8 %
    vs self
    ROE
    21,9 %
    vs self

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin38,7 %Above median
    ROE13,0 %Above P75
    Capex / Rev-1,9 %Above median
    D/E0,01Above median
    Cash Conv1,19Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • Wilson Bank Holding Co Market data — financials · 2026-05-30

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    WBHC.PKCanonical
    OTC · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    WBHCJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    • Total assets (YoY) (2025-12-31 vs 2024-12-31): 9.7%Derived (calculated)
    • Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 8.6%Derived (calculated)
    • Net margin (FY 2025-12-31): 21.2%Derived (calculated)
    • Return on assets (FY 2025-12-31): 1.3%Derived (calculated)
    • Capex (YoY) (2025-12-31 vs 2024-12-31): 5.9%Derived (calculated)
    • Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 48.4%Derived (calculated)
    • EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 31.1%Derived (calculated)
    • EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 31.0%Derived (calculated)
    • Long-term debt (YoY) (2025-12-31 vs 2024-12-31): 7.4%Derived (calculated)
    • Net income (YoY) (2025-12-31 vs 2024-12-31): 33.9%Derived (calculated)
    • Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 45.1%Derived (calculated)
    • Revenue (YoY) (2025-12-31 vs 2024-12-31): 14.2%Derived (calculated)
    • Net income (annual): USD 75.7MSEC XBRL filing
    • Total liabilities (annual): USD 5.3BSEC XBRL filing
    • Revenue (annual): USD 357.46MSEC XBRL filing
    • Capex (annual): USD 3.7MSEC XBRL filing
    • Shares outstanding (annual): 12.15MSEC XBRL filing
    • Cash & equivalents (annual): USD 367.35MSEC XBRL filing
    • EPS (basic) (annual): USD-PER-SHARES 6SEC XBRL filing
    • Pre-tax income (annual): USD 97.08MSEC XBRL filing
    • EPS (diluted) (annual): USD-PER-SHARES 6SEC XBRL filing
    • Operating cash flow (annual): USD 89.95MSEC XBRL filing
    • Total assets (annual): USD 5.88BSEC XBRL filing
    • Long-term debt (annual): USD 10.08MSEC XBRL filing
    Showing 24 of 38 surfaced claims.
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage