Washington Trust BancorpFRA:WT1 +5.41%55 Net Margin % is 21.79% as of Mar. 2026, which is 24% below its 10-year median of 28.63. GuruFocus rates FRA:WT1 with a GF Score™ of 55/100 and a GF Value™ of €26.86 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, Washington Trust Bancorp ranks worse than 62.8% on this metric.
The historical rank and industry rank for Washington Trust Bancorp's Net Margin % or its related term are showing as below:
FRA:WT1'
s Net Margin % Range Over the Past 10 Years
Min: -28.76 Med: 28.63 Max: 35.2
Current: 23.12
FRA:WT1's Net Margin % is ranked worse than 62.8% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:WT1: 23.12
Washington Trust Bancorp (FRA:WT1) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Washington Trust Bancorp Net Margin % Related Terms
Washington Trust Bancorp Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:WT1 vs ALPIB, BCAL, TCBX: Net Margin % Comparison
For the Banks - Regional subindustry, Washington Trust Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Washington Trust Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Washington Trust Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Washington Trust Bancorp's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Washington Trust Bancorp (FRA:WT1) has a Net Margin % of 21.79% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Washington Trust Bancorp and its competitors. This is 24% below median its historical median of 28.63. According to the industry distribution chart, Washington Trust Bancorp ranks #959 out of 1527 companies in the Banks industry, placing it in the top 62.8%.
Is Washington Trust Bancorp's Net Margin % too high?
Washington Trust Bancorp's current Net Margin % of 21.79% is 24% below median its 10-year median of 28.63. The Banks industry median Net Margin % is 26.95. Washington Trust Bancorp's value of 21.79% is 19.1% below this industry median. Based on the distribution chart, Washington Trust Bancorp ranks #959 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Washington Trust Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Washington Trust Bancorp's Net Margin % compare to ALPIB and BCAL?
According to the Banks industry distribution chart, Washington Trust Bancorp ranks #959 out of 1527 companies for Net Margin %. This places Washington Trust Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. Washington Trust Bancorp's value of 21.79% is 19.1% below this benchmark. While the company's 10-year median is 28.63 vs. the industry median of 26.95, Washington Trust Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Washington Trust Bancorp's current Net Margin % of 21.79% is 19.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Washington Trust Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Washington Trust Bancorp's current Net Margin % is 21.79%, which is 24% below median its own 10-year median of 28.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Washington Trust Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Washington Trust Bancorp (FRA:WT1) is currently considered Modestly Overvalued. The stock's GF Value™ is €26.86, compared to a current price of €31.20 — trading 16.2% above its estimated fair value. The current Net Margin % is 21.79%, which is 24% below median its 10-year median of 28.63 and 19.1% below the Banks industry median of 26.95. Washington Trust Bancorp's overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Washington Trust Bancorp (FRA:WT1), the current Net Margin % is 21.79% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Washington Trust Bancorp (FRA:WT1) Overvalued in 2026?
Based on GuruFocus' analysis, Washington Trust Bancorp stock appears to be overvalued.
The current stock price of €31.20 is trading 16.2% above its estimated GF Value™ of €26.86.
GuruFocus considers Washington Trust Bancorp to be Modestly Overvalued.
Key valuation signals for FRA:WT1:
Net Margin %: 21.79% (24% below median its 10-year median of 28.63)
GF Value™: €26.86 vs. price of €31.20 (16.2% above fair value)
Industry Position: 19.1% below the Banks median (#959 of 1527)
No single metric tells the full story. See the FRA:WT1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Washington Trust Bancorp Inc through its subsidiaries, offers banking and financial services to individuals and businesses. It offers a full range of financial services, including commercial banking, mortgage banking, personal banking, wealth management, and trust services, through its offices located in Rhode Island, Connecticut, and Massachusetts. It operates in two segments. The Commercial Banking segment includes lending activities, commercial loans, residential real estate loan deposit activities, and others. The Wealth Management Services segment consists of investment management, financial planning, personal trust, and estate services, including services as trustee, personal representative, custodian, and guardian, and settlement of decedents' estates.
55GF Score
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