Recent News
On January 29, 2026 the company reported fourth-quarter 2025 operating results showing GAAP net income of $9.1 million and GAAP diluted EPS of $1.15, with management noting a $1.5 million one‑time income tax adjustment and declaring a $0.20 quarterly cash dividend payable in February 2026; the quarter featured loan growth and NIM expansion.
Technical Analysis
ADX / DI+ / DI-: ADX at 19.66 signals no established trend; both DI+ (22.51, decreasing) and DI- (17.08, dip & reversal) read as bearish pressure, implying directional indicators currently favor sellers but lack trend strength—this tempers the near‑term bullish implications of other momentum signals relative to WMDST’s fair valuation.
MACD: MACD at 0.69 is above the signal line (0.50) and the MACD trend is increasing; the MACD crossing above its signal line constitutes a bullish momentum signal supporting short-term upside in price action.
MRO (Momentum/Regression Oscillator): MRO at 23.15 with a dip & reversal indicates the price sits above the model target and faces potential corrective pressure, though the recent dip-and-reverse pattern shows the oscillator attempting to resume upward mean reversion behavior.
RSI: RSI at 57.02 and increasing reflects mild bullish momentum without overbought conditions; the reading supports continuation of the recent consolidation toward the upper Bollinger range rather than an immediate exhaustion.
Price vs. Moving Averages / Bands: Price closed at $49.87, above the 20‑day average ($48.88) and the 200‑day average ($41.69); the 12‑day EMA (49.26, increasing) sits below price, reinforcing short-term bullish bias while price approaches the 1× upper Bollinger band ($50.24), suggesting limited upside before a volatility‑driven mean reversion.
Fundamental Analysis
Earnings & Guidance Context: Reported EPS of $1.15 fell short of the $1.19 estimate, an EPS surprise of -3.36%. Forward EPS stands at $1.375 with a forward P/E of 32.76; WMDST values the stock as fair-valued.
Profitability & Growth Rates: Earnings growth measures show -9.45% (earningsGrowth = -0.09449) and a QoQ change of -190.55% (earningsGrowthQoQ = -1.90551), with earningsGrowthYoY at -128.35% (earningsGrowthYoY = -1.28347). Revenue growth reads 9.77% (revenueGrowth = 0.09766) while revenue growth YoY is -4.01% (revenueGrowthYoY = -4.00863). These mixed signals reflect expanding net interest income offset by variability in reported operating items.
Valuation Multiples: Trailing P/E equals 40.31, sitting below the industry peer mean of 54.06 and above the industry peer median of 30.03. Forward P/E equals 32.76, also below the industry peer mean of 46.32. PEG ratios remain negative (PEG = -4.27; forward PEG = -3.47), indicating the current ratio of price to prospective growth differs materially from positive‑PEG peers and reflecting negative or volatile growth expectations embedded in earnings metrics.
Capital, Funding, and Credit: Invested capital reads -$133,341,000 as reported. Cost of debt stands at 12.73%. Cash‑flow to earnings equals 0.0 in the provided metrics. Management highlighted decisive deposit repricing and funded originations in the fourth quarter, which underpinned loan growth and improved deposit mix (per recent company commentary).
Valuation Summary: Given the mix of improving NIM and loan growth against compressed earnings growth and negative PEG metrics, WMDST values the stock as fair‑valued; multiples place the company below the industry peer mean but above the industry peer median, supporting a neutral valuation stance relative to peers.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-12-31 |
| REPORT DATE: | 2026-01-29 |
| NEXT REPORT DATE: | 2026-04-30 |
| CASH FLOW | Begin Period Cash Flow | — |
| Operating Cash Flow | — | |
| Capital Expenditures | — | |
| Change In Working Capital | — | |
| Dividends Paid | — | |
| Cash Flow Delta | — | |
| End Period Cash Flow | — | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | — | |
| Forward Revenue | — | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | — | |
| Depreciation and Amortization | — | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | — | |
| Interest Expense | — | |
| Net Interest Income | — | |
| Income Before Tax | — | |
| Tax Provision | — | |
| Tax Rate | — | |
| Net Income | — | |
| Net Income From Continuing Operations | — | |
| EARNINGS | ||
| EPS Estimate | $ 1.19 | |
| EPS Actual | $ 1.15 | |
| EPS Difference | $ -0.04 | |
| EPS Surprise | -3.361 % | |
| Forward EPS | $ 1.38 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | — | |
| Intangible Assets | — | |
| Net Tangible Assets | — | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | — | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | — | |
| Total Liabilities | — | |
| EQUITY | ||
| Total Equity | — | |
| Retained Earnings | — | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | — | |
| Shares Outstanding | — | |
| Revenue Per-Share | — | |
| VALUATION | Market Capitalization | — |
| Enterprise Value | — | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | — | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | — | |
| Asset To Liability | — | |
| Debt To Capital | — | |
| Debt To Assets | — | |
| Debt To Assets QoQ | — | |
| Debt To Assets YoY | — | |
| Debt To Assets IPRWA | — | |
| Debt To Equity | — | |
| Debt To Equity QoQ | — | |
| Debt To Equity YoY | — | |
| Debt To Equity IPRWA | — | |
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | — | |
| Price To Book QoQ | — | |
| Price To Book YoY | — | |
| Price To Book IPRWA | — | |
| Price To Earnings (P/E) | 40.311 | |
| Price To Earnings QoQ | 22.206 % | |
| Price To Earnings YoY | -57.456 % | |
| Price To Earnings IPRWA | high: 90.392 mean: 54.063 BWFG: 40.311 median: 30.029 low: 27.354 |
|
| PE/G Ratio | -4.266 | |
| Price To Sales (P/S) | — | |
| Price To Sales QoQ | — | |
| Price To Sales YoY | — | |
| Price To Sales IPRWA | — | |
| FORWARD MULTIPLES | ||
| Forward P/E | 32.757 | |
| Forward PE/G | -3.467 | |
| Forward P/S | — | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | — | |
| Asset Turnover Ratio QoQ | — | |
| Asset Turnover Ratio YoY | — | |
| Asset Turnover Ratio IPRWA | — | |
| 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 | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | — | |
| CapEx To Depreciation | — | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | — | |
| Net Invested Capital | — | |
| Invested Capital | $ -133.34 M | |
| Net Tangible Assets | — | |
| 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 | 12.727 % | |
| 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 | — | |
| Dividend Payout Ratio | — | |
| Dividend Rate | — | |
| Dividend Yield | — | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | — | |
| Revenue Growth | 9.766 % | |
| Revenue Growth QoQ | 0.0 % | |
| Revenue Growth YoY | -400.863 % | |
| Revenue Growth IPRWA | high: 11.371 % BWFG: 9.766 % mean: 1.014 % median: -0.957 % low: -5.36 % |
|
| Earnings Growth | -9.449 % | |
| Earnings Growth QoQ | -190.551 % | |
| Earnings Growth YoY | -128.347 % | |
| Earnings Growth IPRWA | high: 36.957 % mean: -5.37 % BWFG: -9.449 % median: -18.987 % low: -66.332 % |
|
| 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) | — | |
| Free Cash Flow Yield | — | |
| Free Cash Flow Yield QoQ | — | |
| Free Cash Flow Yield YoY | — | |
| Free Cash Flow Yield IPRWA | — | |
| Free Cash Growth | — | |
| Free Cash Growth QoQ | — | |
| Free Cash Growth YoY | — | |
| Free Cash Growth IPRWA | — | |
| Free Cash To Net Income | — | |
| Cash Flow Margin | — | |
| Cash Flow To Earnings | 0.0 | |
| VALUE & RETURNS | ||
| Economic Value Added | — | |
| Return On Assets (ROA) | — | |
| Return On Assets QoQ | — | |
| Return On Assets YoY | — | |
| Return On Assets IPRWA | — | |
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | — | |
| Return On Equity QoQ | — | |
| Return On Equity YoY | — | |
| Return On Equity IPRWA | — | |
| DuPont ROE | — | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |