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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 5.10
WBCO's Cash to Debt is ranked higher than
83% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. WBCO: 5.10 )
WBCO' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 5.1

Equity to Asset 0.11
WBCO's Equity to Asset is ranked higher than
76% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WBCO: 0.11 )
WBCO' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.15
Current: 0.11

0.07
0.15
Interest Coverage 3.94
WBCO's Interest Coverage is ranked higher than
88% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WBCO: 3.94 )
WBCO' s 10-Year Interest Coverage Range
Min: 0.33   Max: 3.94
Current: 3.94

0.33
3.94
F-Score: 4
Z-Score: 0.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 23.15
WBCO's Operating margin (%) is ranked higher than
65% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. WBCO: 23.15 )
WBCO' s 10-Year Operating margin (%) Range
Min: 18.95   Max: 38.27
Current: 23.15

18.95
38.27
Net-margin (%) 15.71
WBCO's Net-margin (%) is ranked higher than
64% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. WBCO: 15.71 )
WBCO' s 10-Year Net-margin (%) Range
Min: 12.94   Max: 26.19
Current: 15.71

12.94
26.19
ROE (%) 8.06
WBCO's ROE (%) is ranked higher than
74% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. WBCO: 8.06 )
WBCO' s 10-Year ROE (%) Range
Min: 3.9   Max: 16.37
Current: 8.06

3.9
16.37
ROA (%) 0.86
WBCO's ROA (%) is ranked higher than
77% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. WBCO: 0.86 )
WBCO' s 10-Year ROA (%) Range
Min: 0.59   Max: 1.5
Current: 0.86

0.59
1.5
ROC (Joel Greenblatt) (%) 60.99
WBCO's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. WBCO: 60.99 )
WBCO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 28.02   Max: 98.73
Current: 60.99

28.02
98.73
Revenue Growth (%) -2.00
WBCO's Revenue Growth (%) is ranked higher than
66% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WBCO: -2.00 )
WBCO' s 10-Year Revenue Growth (%) Range
Min: -2   Max: 26.7
Current: -2

-2
26.7
EBITDA Growth (%) -15.10
WBCO's EBITDA Growth (%) is ranked higher than
55% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. WBCO: -15.10 )
WBCO' s 10-Year EBITDA Growth (%) Range
Min: -15.1   Max: 33.8
Current: -15.1

-15.1
33.8
EPS Growth (%) -15.70
WBCO's EPS Growth (%) is ranked higher than
57% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. WBCO: -15.70 )
WBCO' s 10-Year EPS Growth (%) Range
Min: -22.8   Max: 33.3
Current: -15.7

-22.8
33.3
» WBCO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2012

WBCO Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q3 2013

WBCO Guru Trades in Q3 2013

Jim Simons 13,600 sh (New)
» More
Q4 2013

WBCO Guru Trades in Q4 2013

Jim Simons 58,449 sh (+329.77%)
» More
Q1 2014

WBCO Guru Trades in Q1 2014

Jim Simons 50,249 sh (-14.03%)
» More
» Details

Insider Trades

Latest Guru Trades with WBCO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.30
WBCO's P/E(ttm) is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. WBCO: 18.30 )
WBCO' s 10-Year P/E(ttm) Range
Min: 6.43   Max: 33.42
Current: 18.3

6.43
33.42
P/B 1.48
WBCO's P/B is ranked higher than
62% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WBCO: 1.48 )
WBCO' s 10-Year P/B Range
Min: 0.71   Max: 2.71
Current: 1.48

0.71
2.71
P/S 2.90
WBCO's P/S is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. WBCO: 2.90 )
WBCO' s 10-Year P/S Range
Min: 1.32   Max: 4.39
Current: 2.9

1.32
4.39
PFCF 4.26
WBCO's PFCF is ranked higher than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. WBCO: 4.26 )
WBCO' s 10-Year PFCF Range
Min: 2.65   Max: 53.92
Current: 4.26

2.65
53.92
EV-to-EBIT 7.61
WBCO's EV-to-EBIT is ranked higher than
92% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. WBCO: 7.61 )
WBCO' s 10-Year EV-to-EBIT Range
Min: 0.8   Max: 21.4
Current: 7.61

0.8
21.4
PEG 4.69
WBCO's PEG is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. WBCO: 4.69 )
WBCO' s 10-Year PEG Range
Min: 0.45   Max: 8.09
Current: 4.69

0.45
8.09
Shiller P/E 16.75
WBCO's Shiller P/E is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. WBCO: 16.75 )
WBCO' s 10-Year Shiller P/E Range
Min: 6.75   Max: 25.91
Current: 16.75

6.75
25.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
WBCO's Dividend Yield is ranked higher than
56% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. WBCO: 2.65 )
WBCO' s 10-Year Dividend Yield Range
Min: 0.73   Max: 4.19
Current: 2.65

0.73
4.19
Dividend Payout 0.56
WBCO's Dividend Payout is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WBCO: 0.56 )
WBCO' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.58
Current: 0.56

0.09
0.58
Dividend growth (3y) 58.20
WBCO's Dividend growth (3y) is ranked higher than
96% of the 962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. WBCO: 58.20 )
WBCO' s 10-Year Dividend growth (3y) Range
Min: -16.3   Max: 58.2
Current: 58.2

-16.3
58.2
Yield on cost (5-Year) 14.20
WBCO's Yield on cost (5-Year) is ranked higher than
95% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. WBCO: 14.20 )
WBCO' s 10-Year Yield on cost (5-Year) Range
Min: 3.91   Max: 22.45
Current: 14.2

3.91
22.45
Share Buyback Rate -0.20
WBCO's Share Buyback Rate is ranked higher than
84% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WBCO: -0.20 )
WBCO' s 10-Year Share Buyback Rate Range
Min: 0.7   Max: -17.7
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
WBCO's Price/Tangible Book is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. WBCO: 1.50 )
WBCO' s 10-Year Price/Tangible Book Range
Min: 1.02   Max: 2.36
Current: 1.5

1.02
2.36
Price/DCF (Projected) 0.60
WBCO's Price/DCF (Projected) is ranked higher than
85% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. WBCO: 0.60 )
WBCO' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 0.91
Current: 0.6

0.39
0.91
Price/Median PS Value 1.20
WBCO's Price/Median PS Value is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. WBCO: 1.20 )
WBCO' s 10-Year Price/Median PS Value Range
Min: 0.69   Max: 1.63
Current: 1.2

0.69
1.63
Price/Peter Lynch Fair Value 2.30
WBCO's Price/Peter Lynch Fair Value is ranked higher than
85% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WBCO: 2.30 )
WBCO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52   Max: 4.46
Current: 2.3

0.52
4.46
Price/Graham Number 1.10
WBCO's Price/Graham Number is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. WBCO: 1.10 )
WBCO' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 1.32
Current: 1.1

0.66
1.32
Earnings Yield (Greenblatt) 13.10
WBCO's Earnings Yield (Greenblatt) is ranked higher than
90% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WBCO: 13.10 )
WBCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 131.7
Current: 13.1

4.7
131.7
Forward Rate of Return (Yacktman) 15.50
WBCO's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. WBCO: 15.50 )
WBCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.4   Max: 40.3
Current: 15.5

1.4
40.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Washington Banking Company was formed on April 30, 1996. It is a registered bank holding Company, whose main business is conducted by its wholly-owned subsidiary, Whidbey Island Bank. Whidbey Island Bank is a Washington state-chartered bank that conducts a full-service community commercial banking business. The business of the bank, which is focused in the northern area of Western Washington, consists mainly of attracting deposits from the general public and originating loans. The bank also offers no deposit managed investment products and services, which are not Federal Deposit Insurance Corporation ('FDIC') insured. These programs are provided through the investment advisory companies Elliott Cove Capital Management LLC and DFC Services & DFC Insurance Services. Another no deposit product offered through the bank, which is not FDIC insured, is a sweep investment option available through a brokerage account. Washington Banking Master Trust is a wholly-owned subsidiary of the company, which was formed for the purpose of issuing trust preferred securities to acquire junior subordinated debentures issued by the company. Rural One, LLC is a majority-owned subsidiary of the bank and is certified as a Community Development Entity by the Community Development Financial Institutions Fund of the United Stated Department of Treasury. It was formed in September 2006, for the purpose of an investment in Federal tax credits related to the New Markets Tax Credit program. The company's main market area currently consists of Island, Skagit, Whatcom, Snohomish and San Juan counties in northwest Washington State. The Company faces competition both in attracting deposits and in originating loans. Competition for loan's basically through the pricing of interest rates and loan fees, and the efficiency and quality of services.
» More Articles for WBCO

Headlines

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Stocks with Fastest Dividend Growth in April 2012 Apr 30 2012 
Guru Stocks Raising Dividends: PEBO, WBCO, AJG, HCP, STX Feb 06 2012 
Guru Stocks Raising Dividends: PEBO, WBCO, AJG, HCP, STX Jan 30 2012 
Washington Banking Company Reports Operating Results (10-K) Mar 16 2011 
Washington Banking Company Reports Operating Results (10-Q) Nov 09 2010 
Washington Banking Company Reports Operating Results (10-Q) Aug 09 2010 
Washington Banking Company Reports Operating Results (10-Q) May 07 2010 
Washington Banking Company (WBCO) CEO John L Wagner buys 2,500 Shares Nov 24 2009 
Washington Banking Company (WBCO) CFO Richard A Jr Shields buys 2,500 Shares Nov 24 2009 
Washington Banking Company Reports Operating Results (10-Q) Nov 06 2009 

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