Wilson Bank Holding Co
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.
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- 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
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Synthesis
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.
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.
- 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.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Wilson Bank Holding Co Market data — financials · 2026-05-30
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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