Wilson Bank Holding Co - Understand $wbhc stock

$WBHC Market Cap: $486.6 Million

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Financial Snapshot

Revenue

$68.43M

TTM

Gross Margin

Net Earnings

$52.81M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$5.252B

Q3 2024

Total Liabilities

$4.768B

Q3 2024

Book Value

$483.5M

Q3 2024

Cash

$251.8M

Q3 2024

P/E

9.214

Nov 11, 2024 EST

Free Cash Flow

$93.01M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Revenue	$222.6M	$157.5M	$129.8M	$123.0M	$118.1M	$103.5M	$91.02M	$84.75M	$78.84M	$74.38M	$71.81M	$72.36M	$72.35M
YoY Change	41.29%	21.33%	5.59%	4.14%	14.06%	13.74%	7.4%	7.49%	5.99%	3.57%	-0.76%	0.02%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$222.6M	$157.5M	$129.8M	$123.0M	$118.1M	$103.5M	$91.02M	$84.75M	$78.84M	$74.38M	$71.81M	$72.36M	$72.35M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$4.221M	$4.370M	$4.235M	$4.250M	$3.984M	$5.853M	$5.507M	$5.515M	$4.578M	$4.162M	$4.787M	$5.106M	$4.228M
YoY Change	-3.41%	3.19%	-0.35%	6.68%	-31.93%	6.28%	-0.15%	20.47%	10.0%	-13.06%	-6.25%	20.77%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$83.68M	$16.13M	$10.65M	$17.38M	$22.65M	$14.02M	$8.889M	$8.284M	$8.608M	$9.768M	$10.88M	$14.11M	$17.89M
YoY Change	418.68%	51.51%	-38.74%	-23.24%	61.56%	57.7%	7.3%	-3.76%	-11.88%	-10.21%	-22.88%	-21.15%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Pretax Income	$62.93M	$68.08M	$64.16M	$48.11M	$47.11M	$41.38M	$42.88M	$40.47M	$37.63M	$33.09M	$25.18M	$19.66M	$16.60M	$14.90M	$18.70M	$18.40M	$17.20M
YoY Change	-7.56%	6.11%	33.36%	2.12%	13.86%	-3.51%	5.94%	7.57%	13.72%	31.43%	28.03%	18.49%	11.38%	-20.32%	1.63%	6.98%	0.0%
Income Tax	$13.94M	$15.06M	$14.73M	$9.618M	$11.07M	$8.783M	$19.35M	$14.84M	$13.76M	$12.31M	$9.306M	$7.515M	$6.545M	$5.800M	$7.200M	$7.000M	$6.200M
% Of Pretax Income	22.15%	22.12%	22.96%	19.99%	23.49%	21.23%	45.14%	36.67%	36.58%	37.2%	36.97%	38.22%	39.44%	38.93%	38.5%	38.04%	36.05%
Net Earnings	$48.94M	$53.04M	$49.43M	$38.49M	$36.04M	$32.59M	$23.53M	$25.63M	$23.86M	$20.78M	$15.87M	$12.15M	$10.05M	$9.000M	$11.60M	$11.40M	$10.90M
YoY Change	-7.74%	7.32%	28.41%	6.79%	10.58%	38.54%	-8.22%	7.42%	14.85%	30.93%	30.63%	20.88%	11.67%	-22.41%	1.75%	4.59%	2.83%
Net Earnings / Revenue	21.99%	33.67%	38.07%	31.3%	30.53%	31.48%	25.85%	30.25%	30.27%	27.93%	22.1%	16.79%	13.89%
Basic Earnings Per Share	$4.21	$4.66	$4.44	$3.52	$3.36	$3.09	$2.26	$2.49	$2.35	$2.06	$2.12	$1.65	$1.38
Diluted Earnings Per Share	$4.20	$4.65	$4.43	$3.51	$3.35	$3.08	$2.26	$2.49	$2.35	$2.06	$2.12	$1.65	$1.38	$1.250M	$1.634M	$1.629M	$1.580M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$68.06M	$68.77M	$62.80M	$58.20M	$60.30M	$58.40M	$54.20M	$44.40M	$42.10M	$40.10M	$38.20M	$35.90M	$35.40M	$31.90M	$30.90M	$31.00M	$30.40M
YoY Change	-1.02%	9.5%	7.9%	-3.48%	3.25%	7.75%	22.07%	5.46%	4.99%	4.97%	6.41%	1.41%	10.97%	3.24%	-0.32%	1.97%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$45.47M	$51.32M	$12.80M	$7.100M	$6.100M	$8.900M	$7.400M	$10.80M	$8.000M	$9.200M	$11.40M	$8.200M	$8.500M	$9.600M	$5.500M	$3.600M	$2.500M
YoY Change	-11.4%	300.96%	80.28%	16.39%	-31.46%	20.27%	-31.48%	35.0%	-13.04%	-19.3%	39.02%	-3.53%	-11.46%	74.55%	52.78%	44.0%
Total Long-Term Assets
YoY Change
Total Assets	$4.846B	$4.286B	$3.990B	$3.370B	$2.794B	$2.544B	$2.317B	$2.198B	$2.022B	$1.873B	$1.749B	$1.681B	$1.577B	$1.488B	$1.464B	$1.407B	$1.334B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$47.71M	$30.21M	$20.80M	$25.30M	$16.00M	$12.40M	$10.70M	$10.60M	$6.300M	$8.600M	$8.000M	$6.600M	$6.600M	$6.000M	$7.200M	$7.900M	$8.200M
YoY Change	57.93%	45.25%	-17.79%	58.13%	29.03%	15.89%	0.94%	68.25%	-26.74%	7.5%	21.21%	0.0%	10.0%	-16.67%	-8.86%	-3.66%
Deferred Revenue
YoY Change
Short-Term Debt						$0.00	$900.0K	$700.0K	$2.000M	$3.400M	$9.100M	$10.60M	$7.400M	$6.500M	$6.500M	$7.400M	$9.800M
YoY Change						-100.0%	28.57%	-65.0%	-41.18%	-62.64%	-14.15%	43.24%	13.85%	0.0%	-12.16%	-24.49%
Long-Term Debt Due	$98.00K	$96.00K
YoY Change	2.08%
Total Short-Term Liabilities	$47.81M	$30.21M	$20.80M	$25.30M	$16.00M	$12.40M	$11.60M	$11.30M	$8.300M	$12.00M	$17.10M	$17.20M	$14.00M	$12.50M	$13.70M	$15.30M	$18.00M
YoY Change	58.25%	45.25%	-17.79%	58.13%	29.03%	6.9%	2.65%	36.14%	-30.83%	-29.82%	-0.58%	22.86%	12.0%	-8.76%	-10.46%	-15.0%
Long-Term Debt	$2.153M	$2.281M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-5.61%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$2.153M	$2.281M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-5.61%
Total Liabilities	$4.417B	$3.925B	$3.576B	$2.990B	$2.457B	$2.248B	$2.049B	$1.953B	$1.798B	$1.672B	$1.571B	$1.511B	$1.420B	$1.344B	$1.325B	$1.278B	$1.216B
YoY Change	12.53%	9.77%	19.62%	21.66%	9.31%	9.7%	4.91%	8.63%	7.52%	6.43%	3.98%	6.42%	5.67%	1.46%	3.66%	5.07%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	11.61M	11.38M	11.13M	10.93M	10.74M	10.56M	10.41M	10.28M shares	10.17M shares	10.06M shares	7.472M shares	7.360M shares	7.281M shares
Diluted Shares Outstanding	11.64M	11.41M	11.16M	10.95M	10.76M	10.57M	10.41M	10.28M shares	10.17M shares	10.07M shares	7.477M shares	7.366M shares	7.288M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $486.6 Million

About WILSON BANK HOLDING CO

Wilson Bank Holding Co. is a bank holding company, which engages in the provision of banking services, including checking, savings and money market deposit accounts, certificates of deposit and loans for consumer, commercial, and real estate purposes. The company is headquartered in Lebanon, Tennessee and currently employs 584 full-time employees. The company went IPO on 2004-03-29. The Bank is a state-chartered bank, which has the various full-service banking offices located in Davidson, DeKalb, Putnam, Rutherford, Smith, Sumner, Trousdale, Williamson, and Wilson. The Bank offers a range of banking services, including checking, savings, and money market deposit accounts, certificates of deposit and loans for consumer, commercial and real estate purposes. The Bank also offers custodial, trust and through a relationship with a third-party investment advisory form, discount brokerage services to its customers. Its loan portfolio includes a real estate loan, including construction and development loans. The consumer loan portfolio segment includes non-real estate secured direct loans to consumers for household, family, and other personal expenditures. The commercial and industrial loan portfolio segment includes commercial and industrial loans to commercial customers.

Industry: National Commercial Banks Peers: BAR HARBOR BANKSHARES Carter Bankshares, Inc. CITIZENS & NORTHERN CORP FINANCIAL INSTITUTIONS INC FIRST OF LONG ISLAND CORP RBB Bancorp PNC FINANCIAL SERVICES GROUP, INC.