Recent News
Feb 4, 2026 — Analyst one-year price target revised upward to $26.52, reflecting a cluster of raised forecasts supporting a higher consensus target. Feb 19, 2026 — Company filed an 8‑K detailing annual long‑term incentive awards granted to the CEO and three senior executives. Jan–Feb 2026 — several institutional 13G/A filings updated major holders and position sizes, indicating active institutional ownership shifts during year‑end 2025 reporting.
Technical Analysis
ADX at 15.11 indicates no established directional trend; this weak trend strength limits conviction for breakout scenarios and emphasizes range behavior over the next several weeks.
DI+ decreased while DI- registered a peak-and-reversal; DI+ decreasing reads as bearish pressure, while the DI- peak-and-reverse reads as bullish pressure — together these point to a tug‑of‑war between sellers and buyers with no clear directional dominance.
MACD sits negative at -0.25 and the MACD trend is decreasing with the signal line at -0.05; negative and declining MACD denotes bearish momentum and argues the near-term price impulse currently favors downward pressure until momentum stabilizes.
MRO at -27.4 and decreasing indicates the current price sits below the momentum target and that mean‑reversion upside potential exists; the negative MRO implies price has room to move up toward its modeled target if momentum shifts.
RSI of 52.03 and decreasing places momentum near neutral but tilting lower, consistent with short‑term consolidation rather than an oversold bounce or overbought extension.
Price relationships show mixed horizons: the close at $24.33 trades below the 20‑day average ($24.84) and 12‑day EMA (24.70) — a short‑term bearish posture — yet sits above the 200‑day average ($20.64), indicating longer‑term support remains intact. Bollinger bands place the close near the lower band, suggesting compression and a heightened probability of a counter‑move if downside fails to extend. Ichimoku lines (Tenkan 24.79, Kijun 25.58, Senkou A 25.31) keep the price below short‑term cloud thresholds, reinforcing near‑term resistance levels around the mid‑$25s and the supertrend upper near $26.20 as a key supply area.
Fundamental Analysis
Earnings: Reported EPS of $0.25 versus an estimate of -$0.01 produced a positive surprise of $0.26 and an EPS surprise ratio of 26.0%, reflecting an earnings rebound for the quarter. Forward EPS sits at $0.643125 with forward P/E about 30.66, which contrasts with the trailing negative P/E of -8.91 driven by recent net losses. Free cash flow totaled $15,829,000 with a free cash flow yield of 2.63%.
Profitability and credit: Net income equaled -$67,513,000 and income before tax -$84,420,000 for the reported period; return on assets stands at -0.63% and return on equity at -6.01%, both showing material weakness versus historical profitability. Net interest income of $68,159,000 supports core margin, but interest expense (interestExpense $81,944,000) and elevated credit provisions have pressured the income statement.
Balance sheet and liquidity: Total assets reached $10,815,502,000 with cash of $849,310,000 and beginning cash flow of $257,333,000 rising to an end‑period cash flow of $850,767,000, demonstrating ample liquidity. Debt metrics remain conservative: total debt $112,624,000, debt‑to‑assets 1.041%, and debt‑to‑equity 0.10025, all reflecting low leverage on the balance sheet.
Growth and efficiency: Revenue totaled $70,654,000 with YoY revenue growth of -2.73% and QoQ revenue decline of -11.54%; earnings growth YoY at -146.603% confirms recent volatility in profitability. Asset turnover of 0.66% sits below the industry peer mean but above the provided industry low; the company shows modest asset utilization consistent with a regional bank managing credit re‑positioning.
Valuation context: Price‑to‑book at 0.53 sits below the industry peer mean (industry peer mean book = 1.24617) and below the industry peer median (1.15598) while above the industry peer low (0.28407). P/E is negative versus an industry peer mean P/E around 42.99, reflecting the impact of recent losses on trailing multiples. WMDST values the stock as under‑valued given current book multiple, liquidity profile, and forward earnings recovery embedded in forward EPS and forward P/E.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-09-30 |
| REPORT DATE: | 2026-01-21 |
| NEXT REPORT DATE: | 2026-04-22 |
| CASH FLOW | Begin Period Cash Flow | $ 257.3 M |
| Operating Cash Flow | $ 19.8 M | |
| Capital Expenditures | $ -4.02 M | |
| Change In Working Capital | $ -31.43 M | |
| Dividends Paid | $ -5.01 M | |
| Cash Flow Delta | $ 593.4 M | |
| End Period Cash Flow | $ 850.8 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 70.7 M | |
| Forward Revenue | $ -5.11 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 700.0 K | |
| Depreciation and Amortization | $ 700.0 K | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 150.1 M | |
| Interest Expense | $ 81.9 M | |
| Net Interest Income | $ 68.2 M | |
| Income Before Tax | $ -84.42 M | |
| Tax Provision | $ -16.91 M | |
| Tax Rate | 20.0 % | |
| Net Income | $ -67.51 M | |
| Net Income From Continuing Operations | $ -67.51 M | |
| EARNINGS | ||
| EPS Estimate | $ -0.01 | |
| EPS Actual | $ 0.25 | |
| EPS Difference | $ 0.26 | |
| EPS Surprise | 2600.0 % | |
| Forward EPS | $ 0.64 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 10.8 B | |
| Intangible Assets | — | |
| Net Tangible Assets | $ 1.1 B | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 849.3 M | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | $ 112.6 M | |
| Total Liabilities | $ 9.7 B | |
| EQUITY | ||
| Total Equity | $ 1.1 B | |
| Retained Earnings | $ 831.7 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 37.00 | |
| Shares Outstanding | 30.367 M | |
| Revenue Per-Share | $ 2.33 | |
| VALUATION | Market Capitalization | $ 600.9 M |
| Enterprise Value | $ 713.5 M | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 10.098 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 9.627 | |
| Asset To Liability | 1.116 | |
| Debt To Capital | 0.091 | |
| Debt To Assets | 0.01 | |
| Debt To Assets QoQ | -32.534 % | |
| Debt To Assets YoY | -51.058 % | |
| Debt To Assets IPRWA | high: 0.165 mean: 0.056 median: 0.053 EGBN: 0.01 low: 0.0 |
|
| Debt To Equity | 0.1 | |
| Debt To Equity QoQ | -27.366 % | |
| Debt To Equity YoY | -48.813 % | |
| Debt To Equity IPRWA | high: 1.525 mean: 0.51 median: 0.455 EGBN: 0.1 low: -0.109 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 0.535 | |
| Price To Book QoQ | 12.336 % | |
| Price To Book YoY | -0.022 % | |
| Price To Book IPRWA | high: 2.042 mean: 1.246 median: 1.156 EGBN: 0.535 low: 0.284 |
|
| Price To Earnings (P/E) | -8.913 | |
| Price To Earnings QoQ | 3.874 % | |
| Price To Earnings YoY | -129.538 % | |
| Price To Earnings IPRWA | high: 75.793 mean: 42.987 median: 41.768 low: 9.669 EGBN: -8.913 |
|
| PE/G Ratio | 2.563 | |
| Price To Sales (P/S) | 8.504 | |
| Price To Sales QoQ | 11.827 % | |
| Price To Sales YoY | 2.22 % | |
| Price To Sales IPRWA | high: 24.051 mean: 12.816 median: 12.491 EGBN: 8.504 low: 0.117 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 30.661 | |
| Forward PE/G | -8.816 | |
| Forward P/S | -119.099 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.007 | |
| Asset Turnover Ratio QoQ | -2.511 % | |
| Asset Turnover Ratio YoY | -5.444 % | |
| Asset Turnover Ratio IPRWA | high: 0.016 mean: 0.01 median: 0.01 EGBN: 0.007 low: 0.005 |
|
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | high: 84.471 mean: 35.522 median: 34.679 EGBN: 0 low: -17.91 |
|
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.057 | |
| CapEx To Depreciation | -5.74 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 1.2 B | |
| Net Invested Capital | $ 1.2 B | |
| Invested Capital | $ 1.2 B | |
| Net Tangible Assets | $ 1.1 B | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 47.456 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | -13.484 | |
| Dividend Payout Ratio | -0.074 | |
| Dividend Rate | $ 0.16 | |
| Dividend Yield | 0.008 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 2.02 % | |
| Revenue Growth | -4.766 % | |
| Revenue Growth QoQ | -1154.425 % | |
| Revenue Growth YoY | -273.309 % | |
| Revenue Growth IPRWA | high: 23.369 % mean: 4.957 % median: 4.094 % EGBN: -4.766 % low: -9.66 % |
|
| Earnings Growth | -3.478 % | |
| Earnings Growth QoQ | -99.912 % | |
| Earnings Growth YoY | -146.603 % | |
| Earnings Growth IPRWA | high: 63.889 % median: 8.235 % mean: 7.532 % EGBN: -3.478 % low: -37.5 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 15.8 M | |
| Free Cash Flow Yield | 2.634 % | |
| Free Cash Flow Yield QoQ | -150.634 % | |
| Free Cash Flow Yield YoY | -68.854 % | |
| Free Cash Flow Yield IPRWA | high: 9.814 % mean: 2.699 % median: 2.637 % EGBN: 2.634 % low: -3.401 % |
|
| Free Cash Growth | -153.937 % | |
| Free Cash Growth QoQ | -8.466 % | |
| Free Cash Growth YoY | -57539.179 % | |
| Free Cash Growth IPRWA | high: 435.53 % mean: 17.752 % median: 4.44 % EGBN: -153.937 % low: -394.679 % |
|
| Free Cash To Net Income | -0.234 | |
| Cash Flow Margin | -94.564 % | |
| Cash Flow To Earnings | 0.99 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.10 | |
| Return On Assets (ROA) | -0.63 % | |
| Return On Assets QoQ | -1.099 % | |
| Return On Assets YoY | -426.425 % | |
| Return On Assets IPRWA | high: 0.657 % mean: 0.305 % median: 0.301 % low: 0.027 % EGBN: -0.63 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | -0.06 | |
| Return On Equity QoQ | 2.055 % | |
| Return On Equity YoY | -437.584 % | |
| Return On Equity IPRWA | high: 0.052 median: 0.03 mean: 0.029 low: 0.002 EGBN: -0.06 |
|
| DuPont ROE | -5.851 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |