Wilson Bank Holding Company

OTCPK:WBHC Stock Report

Market Cap: US$486.6m

Wilson Bank Holding Valuation

Is WBHC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of WBHC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: WBHC ($41) is trading below our estimate of fair value ($108.31)

Significantly Below Fair Value: WBHC is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for WBHC?

Key metric: As WBHC is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for WBHC. This is calculated by dividing WBHC's market cap by their current earnings.
What is WBHC's PE Ratio?
PE Ratio9.2x
EarningsUS$52.81m
Market CapUS$486.60m

Price to Earnings Ratio vs Peers

How does WBHC's PE Ratio compare to its peers?

The above table shows the PE ratio for WBHC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.5x
UNTY Unity Bancorp
11.7x12.2%US$465.4m
FMAO Farmers & Merchants Bancorp
19.7x8.5%US$447.0m
ALPI.B Alpine Banks of Colorado
11xn/aUS$529.3m
AMNB American National Bankshares
19.4xn/aUS$507.6m
WBHC Wilson Bank Holding
9.2xn/aUS$486.6m

Price-To-Earnings vs Peers: WBHC is good value based on its Price-To-Earnings Ratio (9.2x) compared to the peer average (15.5x).


Price to Earnings Ratio vs Industry

How does WBHC's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
WBHC 9.2xIndustry Avg. 13.2xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: WBHC is good value based on its Price-To-Earnings Ratio (9.2x) compared to the US Banks industry average (13.2x).


Price to Earnings Ratio vs Fair Ratio

What is WBHC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

WBHC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.2x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate WBHC's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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