A Business at a Glance
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WILSON BANK HOLDING CO
WBHC
$6.7B
Mkt Cap
$550.00
+0.00%
WILSON BANK HOLDING CO (WBHC) has a current P/E ratio of 87.9, compared to its historical median P/E of 7.6. The stock is currently considered Expensive based on its historical valuation range.
WILSON BANK HOLDING CO (WBHC) has a 5-year average return on invested capital (ROIC) of 12.9%. This indicates solid capital allocation.
WILSON BANK HOLDING CO (WBHC) has a market capitalization of $6.7B. It is classified as a mid-cap stock.
Yes, WILSON BANK HOLDING CO (WBHC) pays a dividend with a trailing twelve-month yield of 0.13%.
Based on historical P/E analysis, WILSON BANK HOLDING CO (WBHC) appears expensive. The current P/E of 87.9 is 1053% above its historical median of 7.6. The estimated fair value CAGR (P/E method) is 7.7%.
WILSON BANK HOLDING CO (WBHC) operates in the National Commercial Banks industry, within the Financials sector.
WILSON BANK HOLDING CO (WBHC) reported annual revenue of $357 million in its most recent fiscal year, based on SEC EDGAR filings.
The disclosures set forth in this item are qualified by Item 1A. Risk Factors and the section captioned “Forward-Looking Statements” appearing elsewhere in this Annual Report on Form 10-K and other cautionary statements set forth elsewhere in this report. Wilson Bank Holding Company (the “Company”) is a bank holding company that was incorporated on March 17, 1992 under the laws of the State of Tennessee. The purpose of the Company was to acquire all of the issued and outstanding capital stock of Wilson Bank and Trust (the “Bank”) and act as a one-bank holding company. On November 17, 1992, the Company acquired 100% of the capital stock of the Bank pursuant to the terms of an agreement and plan of share exchange. The Bank is the only direct subsidiary of the Company. The Bank was previously invested in Encompass Home Lending, LLC ("Encompass"), a joint venture of which the Bank owned 51% of the outstanding membership interests.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 357M | 357M | 313M | 251M | 185M | 163M |
| Net Income | 76M | 76M | 57M | 49M | 53M | 49M |
| EPS | $6.26 | $6.26 | $4.78 | $4.20 | $4.65 | $4.43 |
| Free Cash Flow | 86M | 86M | 58M | 81M | 68M | 53M |
| ROIC | 33.7% | 14.0% | 12.2% | 12.3% | 13.7% | 12.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 | 0.00 |
| Dividends/Share | $0.69 | $0.69 | $0.49 | $0.37 | $1.85 | $1.35 |
| Operating Income | 97M | 97M | 73M | 63M | 68M | 64M |
| Operating Margin | 27.2% | 27.2% | 23.4% | 25.1% | 36.8% | 39.4% |
| ROE | 13.0% | 14.3% | 12.4% | 12.4% | 13.7% | 12.5% |
| Shares Outstanding | 12M | 12M | 12M | 12M | 11M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 91M | 99M | 106M | 114M | 129M | 146M | 153M | 163M | 185M | 251M | 313M | 357M | 357M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 28M | 32M | 34M | 36M | 40M | 43M | 46M | 53M | 57M | 60M | 67M | 73M | 73M |
| EBIT | 33M | 38M | 40M | 43M | 41M | 47M | 48M | 64M | 68M | 63M | 73M | 97M | 97M |
| Op. Margin | 36.3% | 38.1% | 38.0% | 37.7% | 32.1% | 32.2% | 31.5% | 39.4% | 36.8% | 25.1% | 23.4% | 27.2% | 27.2% |
| Net Income | 21M | 24M | 26M | 24M | 33M | 36M | 38M | 49M | 53M | 49M | 57M | 76M | 76M |
| Net Margin | 22.8% | 24.2% | 24.1% | 20.7% | 25.3% | 24.6% | 25.2% | 30.4% | 28.7% | 19.5% | 18.1% | 21.2% | 21.2% |
| Non-Recurring | 7K | -53K | -73K | 0 | -2K | -128K | -63K | -43K | 291K | -55K | -303K | -131K | -131K |
| Returns on Capital | |||||||||||||
| ROIC | 11.0% | 11.2% | 11.0% | 9.2% | 11.6% | 11.4% | 10.7% | 12.5% | 13.7% | 12.3% | 12.2% | 14.0% | 33.7% |
| ROE | 11.0% | 11.2% | 11.0% | 9.2% | 11.6% | 11.4% | 10.7% | 12.5% | 13.7% | 12.4% | 12.4% | 14.3% | 13.0% |
| ROA | 1.1% | 1.2% | 1.2% | 1.0% | 1.3% | 1.4% | 1.2% | 1.3% | 1.3% | 1.1% | 1.1% | 1.3% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 21M | 26M | 27M | 43M | 41M | 36M | 50M | 61M | 73M | 86M | 62M | 90M | 90M |
| Free Cash Flow | 17M | 21M | 22M | 30M | 33M | 30M | 48M | 53M | 68M | 81M | 58M | 86M | 86M |
| Owner Earnings | 17M | 21M | 21M | 36M | 34M | 32M | 45M | 56M | 67M | 81M | 57M | 85M | 85M |
| CapEx | 4.1M | 4.6M | 5.1M | 13M | 7.8M | 6.0M | 2.2M | 8.9M | 5.0M | 4.6M | 3.5M | 3.7M | 3.7M |
| Maint. CapEx | 4.2M | 4.6M | 5.5M | 5.5M | 5.9M | 4.0M | 4.3M | 4.2M | 4.4M | 4.2M | 4.0M | 4.1M | 4.1M |
| Growth CapEx | 0 | 34K | 0 | 7.2M | 1.9M | 2.1M | 0 | 4.7M | 652K | 422K | 0 | 0 | 0 |
| D&A | 4.2M | 4.6M | 5.5M | 5.5M | 5.9M | 4.0M | 4.3M | 4.2M | 4.4M | 4.2M | 4.0M | 4.1M | 4.1M |
| CapEx/OCF | N/A | N/A | 19.2% | 29.7% | 19.0% | 16.6% | 4.4% | 14.5% | 6.9% | 5.4% | 5.6% | 4.1% | 4.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.5M | 4.9M | 5.8M | 6.7M | 9.4M | 12M | 13M | 15M | 21M | 4.3M | 5.8M | 8.3M | 8.3M |
| Dividend Yield | N/A | N/A | 2.7% | 3.1% | 4.2% | 4.9% | 5.1% | 5.8% | 5.7% | 1.1% | 0.3% | 0.4% | 0.1% |
| Share Buybacks | 94K | 0 | 0 | 0 | 0 | 1.6M | 0 | 0 | 0 | 0 | 2.2M | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 0.7% | N/A | N/A | N/A | N/A | 0.1% | N/A | 0.0% |
| Stock-Based Comp | 41K | 38K | 69K | 692K | 1.2M | 786K | 1.2M | 1.4M | 1.9M | 974K | 1.1M | 1.1M | 1.1M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | 831M | 918M | -344M | -375M | -384M | -581M | -919M | -1.4B | -928M | -1.1B | -1.1B | -1.3B | -357M |
| Cash & Equiv. | 68M | 109M | 48M | 96M | 99M | 160M | 339M | 453M | 105M | 253M | 248M | 367M | 367M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7.8M | 9.4M | 10M | 10M |
| Debt/Equity | 6.34 | 6.20 | 0.22 | 0.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.7 |
| Equity | 201M | 223M | 245M | 268M | 296M | 337M | 380M | 414M | 360M | 429M | 480M | 582M | 582M |
| Total Assets | 1.9B | 2.0B | 2.2B | 2.3B | 2.5B | 2.8B | 3.4B | 4.0B | 4.3B | 4.8B | 5.4B | 5.9B | 5.9B |
| Total Liabilities | 1.7B | 1.8B | 2.0B | 2.0B | 2.2B | 2.5B | 3.0B | 3.6B | 3.9B | 4.4B | 4.9B | 5.3B | 5.3B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 129M | 148M | 168M | 185M | 208M | 232M | 258M | 292M | 326M | 357M | 393M | 442M | 442M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.06 | 2.35 | 2.49 | 2.26 | 3.08 | 3.35 | 3.51 | 4.43 | 4.65 | 4.20 | 4.78 | 6.26 | 6.26 |
| Owner EPS | 1.71 | 2.07 | 2.06 | 3.50 | 3.17 | 2.93 | 4.09 | 5.00 | 5.87 | 6.94 | 4.80 | 7.01 | 7.01 |
| Book Value | 19.92 | 22.00 | 23.76 | 25.72 | 27.94 | 31.32 | 34.66 | 37.08 | 31.60 | 36.85 | 40.56 | 48.10 | 48.10 |
| Cash Flow/Share | 2.12 | 2.52 | 2.60 | 4.10 | 3.84 | 3.38 | 4.58 | 5.51 | 6.42 | 7.39 | 5.24 | 7.44 | 6.60 |
| Dividends/Share | 0.45 | 0.49 | 0.56 | 0.65 | 0.90 | 1.10 | 1.20 | 1.35 | 1.85 | 0.37 | 0.49 | 0.69 | 0.69 |
| Shares Out. | 10.1M | 10.2M | 10.3M | 10.4M | 10.6M | 10.8M | 11.0M | 11.2M | 11.4M | 11.7M | 11.8M | 12.1M | 12.1M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | 8.5 | 9.3 | 7.0 | 6.7 | 6.6 | 5.2 | 7.1 | 8.2 | 36.1 | 27.7 | 87.9 |
| P/FCF | N/A | N/A | 10.0 | 7.3 | 7.0 | 8.0 | 5.3 | 4.9 | 5.5 | 4.9 | 34.9 | 24.3 | 77.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 64.8 |
| Price/Book | N/A | N/A | 0.9 | 0.8 | 0.8 | 0.7 | 0.7 | 0.6 | 1.0 | 0.9 | 4.3 | 3.6 | 11.4 |
| Price/Sales | N/A | N/A | 2.2 | 2.1 | 2.0 | 1.9 | 1.8 | 1.7 | 2.2 | 2.3 | 10.0 | 9.1 | 18.6 |
| FCF Yield | N/A | N/A | 10.0% | 13.6% | 14.4% | 12.5% | 18.9% | 20.3% | 18.2% | 20.4% | 2.9% | 4.1% | 1.3% |
| Market Cap | N/A | N/A | 217M | 220M | 229M | 243M | 254M | 258M | 375M | 400M | 2.0B | 2.1B | 6.7B |
| Avg. Price | N/A | N/A | 20.87 | 21.12 | 21.36 | 22.35 | 23.16 | 23.17 | 32.18 | 33.24 | 156.85 | 170.26 | 550.00 |
| Year-End Price | N/A | N/A | 21.12 | 21.12 | 21.60 | 22.60 | 23.17 | 23.17 | 32.88 | 34.33 | 172.66 | 173.65 | 550.00 |
WILSON BANK HOLDING CO passes 4 of 9 quality checks, suggesting mixed fundamentals.
WILSON BANK HOLDING CO trades at 87.9x trailing earnings, compared to its 15-year median P/E of 7.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 78.3x vs a median of 7.1x. The company's 5-year average ROIC is 12.9%. Total shareholder yield (dividends) is 0.1%. At current prices, the estimated annualized return to fair value is +12.0%.
WILSON BANK HOLDING CO (WBHC) has a net profit margin of 21.2%. This is a strong margin indicating high profitability.
WILSON BANK HOLDING CO (WBHC) generated $86 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
WILSON BANK HOLDING CO (WBHC) has a debt-to-equity ratio of 0.02. This indicates a conservatively financed balance sheet.
WILSON BANK HOLDING CO (WBHC) reported earnings per share (EPS) of $6.26 in its most recent fiscal year.
WILSON BANK HOLDING CO (WBHC) has a return on equity (ROE) of 14.3%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for WILSON BANK HOLDING CO (WBHC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
WILSON BANK HOLDING CO (WBHC) has a book value per share of $48.10, based on its most recent annual SEC filing.
No recent press releases.