W.T.B. Financial Corporation

OTCPK:WTBF.B Stock Report

Market Cap: US$738.7m

W.T.B. Financial Past Earnings Performance

Past criteria checks 1/6

W.T.B. Financial's earnings have been declining at an average annual rate of -2.9%, while the Banks industry saw earnings growing at 7.3% annually. Revenues have been growing at an average rate of 4.3% per year. W.T.B. Financial's return on equity is 4.8%, and it has net margins of 13.6%.

Key information

-2.9%

Earnings growth rate

-2.5%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate4.3%
Return on equity4.8%
Net Margin13.6%
Last Earnings Update30 Jun 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How W.T.B. Financial makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:WTBF.B Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24323442240
31 Mar 24317452200
31 Dec 23330562210
30 Sep 23349712220
30 Jun 23372912220
31 Mar 234101162230
31 Dec 224021142190
30 Sep 224011172110
30 Jun 223931142080
31 Mar 223631002050
31 Dec 213581002010
30 Sep 21342901970
30 Jun 21327821930
31 Mar 21316781880
31 Dec 20307761840
30 Sep 20305791780
30 Jun 20303811720
31 Mar 20300821700
31 Dec 19300831670
30 Sep 19296861590
30 Jun 19291841570
31 Mar 19289841550
31 Dec 18286831560
30 Sep 18277561530
30 Jun 18271531500
31 Mar 18263481460
31 Dec 17258421450
30 Sep 17245571370
30 Jun 17238541360
31 Mar 17233531330
31 Dec 16228521260
30 Sep 16226531260
30 Jun 16220511230
31 Mar 16216491220
31 Dec 15210461200
30 Sep 15203431190
30 Jun 15199421170
31 Mar 15198421150
31 Dec 14194411130
30 Sep 14189371130
30 Jun 14187371110
31 Mar 14186371100
31 Dec 13193421080

Quality Earnings: WTBF.B has high quality earnings.

Growing Profit Margin: WTBF.B's current net profit margins (13.6%) are lower than last year (24.4%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: WTBF.B's earnings have declined by 2.9% per year over the past 5 years.

Accelerating Growth: WTBF.B's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: WTBF.B had negative earnings growth (-51.8%) over the past year, making it difficult to compare to the Banks industry average (-13.2%).


Return on Equity

High ROE: WTBF.B's Return on Equity (4.8%) is considered low.


Return on Assets


Return on Capital Employed


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