Washington Business Bank, a state-chartered bank, provides various banking products and services to small and midsized businesses, and middle-income individuals primarily in western Washington.
The last earnings update was 185 days ago.
Discounted Cash Flow Calculation for OTCPK:WBZB using Excess Returns Model Model
The calculations below outline how an intrinsic value for Washington Business Bank is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
The current share price of
Washington Business Bank
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Washington Business Bank's
is considered below, and whether this is a fair price.
Price based on past earnings
Washington Business Bank's earnings available for a low price, and how does
this compare to other companies in the same industry?
Washington Business Bank's earnings are expected to grow by 11.4% yearly, however this is not considered high growth (20% yearly).
Unable to determine if Washington Business Bank is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Washington Business Bank's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Washington Business Bank
has a total score of
1/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Washington Business Bank's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Jon M. Jones serves as a President, Chief Executive Officer and Director of Washington Business Bank. Mr. Jones is a well-known community banker with over twenty years of banking experience. He has previously worked as the President of a Bank and has worked as a Bank Consultant. He has a BA in Finance from the University of Northern Iowa and is a graduate of the Pacific Coast Banking School at the University of Washington.
Insufficient data for Jon to compare compensation growth.
Insufficient data for Jon to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
VP & Controller
VP & Operations Manager
VP & Marketing Director
Senior VP & Chief Credit Officer
Board of Directors
Chairman of the Board
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
Washington Business Bank, a state-chartered bank, provides various banking products and services to small and midsized businesses, and middle-income individuals primarily in western Washington. The company offers ATM/debit cards, monthly statements, merchant services, Internet bill pay services, cash and coin ordering services, drive-thru banking services, and safety deposit boxes; lines of credit, customized term loans, seasonal lines or loans, expertise services, and commercial real estate and construction loans; and cash management solutions. It also provides personal and online banking services. The company operates one full-service branch in Thurston County, Washington. Washington Business Bank was founded in 2002 and is headquartered in Olympia, Washington.
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