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W.T.B. Financial Corporation Class B (WTBFB)
:WTBFB
US Market

W.T.B. Financial (WTBFB) AI Stock Analysis

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W.T.B. Financial

(OTC:WTBFB)

Rating:68Neutral
Price Target:
W.T.B. Financial has a stable financial position with strong cash generation, but challenges exist in revenue and profit margin declines, along with high leverage. Technical indicators show mixed signals with potential downward momentum. However, the stock's low P/E ratio and attractive dividend yield suggest valuation strength. Addressing cost management and leverage will be essential for future growth.

W.T.B. Financial (WTBFB) vs. SPDR S&P 500 ETF (SPY)

W.T.B. Financial Business Overview & Revenue Model

Company DescriptionW.T.B. Financial (WTBFB) is a diversified financial services company that operates across multiple sectors, including banking, investment management, and insurance. The company provides a wide range of financial products and services to individual, corporate, and institutional clients. Its core offerings include consumer and commercial banking, asset management, wealth advisory services, and various insurance products.
How the Company Makes MoneyW.T.B. Financial generates revenue through multiple streams, primarily driven by interest income from its banking operations, including loans and mortgages. The company also earns fees and commissions from investment management and wealth advisory services. Additionally, W.T.B. Financial benefits from premiums and investment income related to its insurance products. Significant partnerships with other financial institutions and strategic acquisitions contribute to its growth and earnings. The company leverages its wide network and comprehensive service offerings to maintain a diversified and stable revenue model.

W.T.B. Financial Financial Statement Overview

Summary
Overall, W.T.B. Financial exhibits a stable financial position with strengths in gross profit margin and cash generation. However, declining revenue and profit margins, along with high leverage, pose challenges. The company needs to address cost management and leverage to ensure sustained financial health.
Income Statement
65
Positive
The income statement shows mixed performance with fluctuations in revenue and profit margins. Gross profit margin is strong due to high gross profit compared to total revenue. However, net profit margin has declined in the latest year, indicating challenges in managing costs. The revenue growth rate is negative, highlighting a decrease in total revenue. EBIT and EBITDA margins have also decreased, suggesting pressure on operating efficiencies.
Balance Sheet
70
Positive
The balance sheet presents a moderate financial position, with a high debt-to-equity ratio indicating significant leverage. The return on equity has decreased, reflecting lower profitability relative to equity. However, the equity ratio remains stable, showing a balanced capital structure. Overall, the balance sheet suggests adequate financial health but with potential risks due to high leverage.
Cash Flow
75
Positive
Cash flow analysis reveals positive free cash flow and a stable operating cash flow to net income ratio, indicating good cash generation capability. However, the free cash flow growth rate is negative, pointing to a decline in cash available for discretionary spending. The company maintains a reasonable free cash flow to net income ratio, showing effective conversion of earnings into cash.
Breakdown
TTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
550.77M353.97M342.33M394.03M376.49M354.84M
Gross Profit
436.79M353.97M495.10M401.80M357.91M306.63M
EBIT
62.45M79.32M78.03M150.11M133.77M100.66M
EBITDA
-6.89M70.86M-6.89M154.52M136.51M106.15M
Net Income Common Stockholders
43.87M55.80M55.85M114.05M100.03M76.31M
Balance SheetCash, Cash Equivalents and Short-Term Investments
106.69M574.97M1.15B119.93M62.28M101.56M
Total Assets
10.80B10.74B11.45B10.43B11.10B9.84B
Total Debt
1.75B0.002.27B222.49M276.76M233.96M
Net Debt
1.42B-574.97M1.12B-171.38M-1.77B-1.33B
Total Liabilities
9.89B9.80B10.55B9.57B10.27B9.04B
Stockholders Equity
907.50M934.18M897.44M867.13M832.95M806.52M
Cash FlowFree Cash Flow
0.0029.48M109.62M112.22M49.72M95.86M
Operating Cash Flow
0.0040.51M116.19M120.78M129.53M109.12M
Investing Cash Flow
0.00716.47M-1.03B677.89M-1.35B-2.61B
Financing Cash Flow
0.00-765.91M924.57M-741.03M1.18B2.50B

W.T.B. Financial Technical Analysis

Technical Analysis Sentiment
Negative
Last Price284.24
Price Trends
50DMA
288.19
Negative
100DMA
296.67
Negative
200DMA
294.13
Negative
Market Momentum
MACD
-2.00
Negative
RSI
45.82
Neutral
STOCH
39.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTBFB, the sentiment is Negative. The current price of 284.24 is below the 20-day moving average (MA) of 285.19, below the 50-day MA of 288.19, and below the 200-day MA of 294.13, indicating a bearish trend. The MACD of -2.00 indicates Negative momentum. The RSI at 45.82 is Neutral, neither overbought nor oversold. The STOCH value of 39.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WTBFB.

W.T.B. Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$768.66M9.3012.98%1.41%2.27%-6.70%
XYXYF
80
Outperform
$786.71M3.9424.00%1.80%20.28%27.31%
79
Outperform
$719.24M11.138.51%2.26%14.60%
71
Outperform
$758.25M4.344.76%17.45%-18.39%-33.85%
68
Neutral
$722.24M11.526.65%2.60%5.58%37.56%
65
Neutral
$12.93B9.817.84%78.03%12.20%-7.74%
63
Neutral
$794.15M14.815.09%5.68%6.02%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
WTBFB
W.T.B. Financial
286.02
37.84
15.25%
CFFN
Capitol Federal Financial
5.98
0.93
18.42%
NOAH
Noah Holdings
12.37
4.10
49.58%
OSBC
Old Second Bancorp
17.09
3.41
24.93%
UFCS
United Fire Group
28.44
7.89
38.39%
XYF
X Financial
19.39
15.27
370.63%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.