📊 WBHC Key Takeaways
Is Wilson Bank Holding Co (WBHC) a Good Investment?
Wilson Bank demonstrates solid profitability with strong 21.2% net margins and excellent leverage (0.02x debt/equity), supported by robust $86.3M free cash flow generation. However, the weak 1.6x interest coverage ratio raises material concerns about the bank's debt service capacity, and the anomalous 4193% revenue growth that fails to translate to net income growth signals potential data quality issues or significant accounting changes that warrant clarification.
Wilson Bank Holding Co Key Strengths (WBHC)
- Excellent leverage position with minimal debt (0.02x debt/equity ratio, $10.1M long-term debt)
- Strong profitability metrics with 21.2% net margin and 27.2% operating margin
- Solid free cash flow generation of $86.3M with 24.1% FCF margin
WBHC Stock Risks: Wilson Bank Holding Co Investment Risks
- Critically weak interest coverage of 1.6x limits financial cushion for a financial institution
- Unexplained 4193% revenue growth with essentially flat net income (-0.0% YoY) suggests data anomalies or major accounting events requiring clarification
- As a bank, vulnerability to deposit flight, credit deterioration, and interest rate shocks given thin interest coverage buffer
Key Metrics to Watch
- Interest Coverage Ratio trend and Net Interest Margin (NIM) sustainability
- Non-Performing Loan (NPL) ratio and loan loss provision adequacy
- Deposit base stability and core funding trends
Wilson Bank Holding Co (WBHC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
WBHC Profit Margin, ROE & Profitability Analysis
WBHC vs Finance Sector: How Wilson Bank Holding Co Compares
How Wilson Bank Holding Co compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Wilson Bank Holding Co Stock Overvalued? WBHC Valuation Analysis 2026
Based on fundamental analysis, Wilson Bank Holding Co has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Wilson Bank Holding Co Balance Sheet: WBHC Debt, Cash & Liquidity
WBHC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Wilson Bank Holding Co's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.20 reflects profitable operations.
WBHC Revenue Growth, EPS Growth & YoY Performance
WBHC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.6M | $16.4M | $1.37 |
| Q3 2025 | $1.9M | $12.7M | $1.07 |
| Q2 2025 | $2.5M | $16.1M | $1.37 |
| Q1 2025 | $1.9M | $12.8M | $1.08 |
| Q3 2024 | $2.0M | $11.5M | $0.98 |
| Q2 2024 | $2.5M | $12.4M | $1.07 |
| Q1 2024 | $1.9M | $12.8M | $1.08 |
| Q3 2023 | $2.0M | $11.5M | $0.98 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Wilson Bank Holding Co Dividends, Buybacks & Capital Allocation
WBHC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Wilson Bank Holding Co (CIK: 0000885275)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WBHC
What is the AI rating for WBHC?
Wilson Bank Holding Co (WBHC) has an AI grade of B with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WBHC's key strengths?
Claude: Excellent leverage position with minimal debt (0.02x debt/equity ratio, $10.1M long-term debt). Strong profitability metrics with 21.2% net margin and 27.2% operating margin.
What are the risks of investing in WBHC?
Claude: Critically weak interest coverage of 1.6x limits financial cushion for a financial institution. Unexplained 4193% revenue growth with essentially flat net income (-0.0% YoY) suggests data anomalies or major accounting events requiring clarification.
What is WBHC's revenue and growth?
Wilson Bank Holding Co reported revenue of $357.5M.
Does WBHC pay dividends?
Wilson Bank Holding Co pays dividends, with $8.3M distributed to shareholders in the trailing twelve months.
Where can I find WBHC SEC filings?
Official SEC filings for Wilson Bank Holding Co (CIK: 0000885275) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WBHC's EPS?
Wilson Bank Holding Co has a diluted EPS of $6.26.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is WBHC's fundamental grade?
Based on our AI fundamental analysis in June 2026, Wilson Bank Holding Co has a B grade with 62% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is WBHC stock overvalued or undervalued?
Valuation metrics for WBHC: ROE of 13.0% (sector avg: 12%), net margin of 21.2% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
What is WBHC's AI grade for 2026?
Our dual AI analysis gives Wilson Bank Holding Co a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is WBHC's free cash flow?
Wilson Bank Holding Co's operating cash flow is $90.0M, with capital expenditures of $3.7M. FCF margin is 24.1%.
How does WBHC compare to other Finance stocks?
Vs Finance sector averages: Net margin 21.2% (avg: 25%), ROE 13.0% (avg: 12%), current ratio N/A (avg: 1.2).