Washington Trust Bancorp Inc (WASH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Washington Trust Bancorp Inc stock (WASH) is currently trading at $33.16. Washington Trust Bancorp Inc PE ratio is 12.23. Washington Trust Bancorp Inc PS ratio (Price-to-Sales) is 2.87. Analyst consensus price target for WASH is $35.00. WallStSmart rates WASH as Hold.
- WASH PE ratio analysis and historical PE chart
- WASH PS ratio (Price-to-Sales) history and trend
- WASH intrinsic value — DCF, Graham Number, EPV models
- WASH stock price prediction 2025 2026 2027 2028 2029 2030
- WASH fair value vs current price
- WASH insider transactions and insider buying
- Is WASH undervalued or overvalued?
- Washington Trust Bancorp Inc financial analysis — revenue, earnings, cash flow
- WASH Piotroski F-Score and Altman Z-Score
- WASH analyst price target and Smart Rating
Washington Trust Bancorp Inc
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WASH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Washington Trust Bancorp Inc (WASH)
WASH trades 93% above its Graham fair value of $18.43, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Washington Trust Bancorp Inc (WASH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Washington Trust Bancorp Inc (WASH) Key Strengths (4)
Keeps $37 of every $100 in revenue after operating costs
Keeps $24 of every $100 in revenue as net profit
Trading at 1.13x book value, attractively priced
69.28% held by institutions, strong professional interest
Supporting Valuation Data
Washington Trust Bancorp Inc (WASH) Areas to Watch (6)
Earnings declining -12.50%, profits shrinking
Revenue growing slowly at 2.80% annually
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.87x sales
Washington Trust Bancorp Inc (WASH) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.13) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.30%, Profit Margin at 23.80%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, PEG Ratio. Some valuation metrics including PEG Ratio (2.76), Price/Sales (2.87) suggest expensive pricing. Growth concerns include Revenue Growth at 2.80%, EPS Growth at -12.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 2.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WASH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WASH's Price-to-Sales ratio of 2.87x sits near its historical average of 2.86x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 2.98x set in Mar 2026, and 3% above its historical low of 2.78x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Washington Trust Bancorp Inc (WASH) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Washington Trust Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 220M with 280% growth year-over-year. Profit margins are strong at 23.8%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 280% YoY, reaching 220M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1000.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Washington Trust Bancorp Inc maintain 280%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 6.8%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 726M is significantly higher than cash (29M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Washington Trust Bancorp Inc.
Bottom Line
Washington Trust Bancorp Inc offers an attractive blend of growth (280% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(22 last 3 months)
| Insider | Type | Shares |
|---|---|---|
NOONS, MARY E. President and COO | Sell | -129 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:59 AM
About Washington Trust Bancorp Inc(WASH)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Washington Trust Bancorp, Inc. is the banking holding company for The Washington Trust Company of Westerly, offering a variety of banking and financial services to individuals and businesses. The company is headquartered in Westerly, Rhode Island.