WTBFA (WTB Financial A) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WTBFA WTB Financial A WTBFA
66 GF Score
Price $680.00
GF Value $718.52
Valuation Fairly Valued
! 4 Warning Signs
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What is WTB Financial A Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of WTB Financial A is: High Risk: High uncertainty with risk-return tradeoff.

WTB Financial A  (OTCPK:WTBFA) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

WTB Financial A Risk Assessment Related Terms

WTBFA vs MCB, FSBC, UVSP: Risk Assessment Comparison

For the Banks - Regional subindustry, WTB Financial A's Risk Assessment, along with its competitors' market caps and Risk Assessment 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.

WTB Financial A Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, WTB Financial A's Risk Assessment distribution charts can be found below:

* The bar in red indicates where WTB Financial A's Risk Assessment falls into.


WTBFA
66GF Score
WTB Financial A WTBFA
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is WTB Financial A (WTBFA) Overvalued in 2026?

Based on GuruFocus' analysis, WTB Financial A stock appears to be undervalued. The current stock price of $680.00 is trading 5.4% below its estimated GF Value™ of $718.52. GuruFocus considers WTB Financial A to be Fairly Valued.

Key valuation signals for WTBFA:

  • Risk Assessment:
  • GF Value™: $718.52 vs. price of $680.00 (5.4% below fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the WTBFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

WTB Financial A Business Description

Other Exchanges WTBFB:USA
Address 717 West Sprague Avenue, P.O. Box 2127, Spokane, WA, USA, 99210-2127
WTB Financial A operates as a bank holding company of Washington Trust Bank. The company is engaged in the business of financial services in Washington, Idaho and Oregon. It also provides a wide range of banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. Its loan segments consist of the following disaggregation of loan types. Commercial and industrial loans are segmented into seven pools, including commercial taxable loans, commercial tax-exempt loans, commercial lines of credit, other commercial loans, commercial credit card loans, small business administration loans, and overdrafts.
66GF Score

Get the complete analysis for WTBFA

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$680.00
Price
$718.52
GF Value