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Upturn AI SWOT - About
WASH 
Washington Trust Bancorp Inc (WASH)
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Upturn Advisory Summary
10/15/2025: WASH (1-star) is a SELL. SELL since 5 days. Simulated Profits (-8.44%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $30
1 Year Target Price $30
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.43% | Avg. Invested days 29 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 495.16M USD | Price to earnings Ratio - | 1Y Target Price 30 |
Price to earnings Ratio - | 1Y Target Price 30 | ||
Volume (30-day avg) 4 | Beta 0.93 | 52 Weeks Range 23.98 - 37.62 | Updated Date 10/18/2025 |
52 Weeks Range 23.98 - 37.62 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 8.80% | Basic EPS (TTM) -1.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 0.71 | Actual - |
Profitability
Profit Margin -21.02% | Operating Margin (TTM) 34.61% |
Management Effectiveness
Return on Assets (TTM) -0.35% | Return on Equity (TTM) -4.89% |
Valuation
Trailing PE - | Forward PE 9.47 | Enterprise Value 1389418240 | Price to Sales(TTM) 4.27 |
Enterprise Value 1389418240 | Price to Sales(TTM) 4.27 | ||
Enterprise Value to Revenue 14.47 | Enterprise Value to EBITDA - | Shares Outstanding 19155214 | Shares Floating 18731309 |
Shares Outstanding 19155214 | Shares Floating 18731309 | ||
Percent Insiders 1.11 | Percent Institutions 69.42 |
Upturn AI SWOT
Washington Trust Bancorp Inc
Company Overview
History and Background
Washington Trust Bancorp, Inc. was founded in 1800, making it the oldest community bank in the nation. Initially established as a savings bank, it has evolved into a full-service financial institution through strategic growth and acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including commercial lending, deposit accounts, cash management, and trade finance.
- Wealth Management: Offers wealth management, investment advisory, financial planning, and trust services to individuals, families, and institutions.
- Residential Lending: Offers mortgage and home equity loans to individuals.
Leadership and Structure
The leadership team includes the CEO, CFO, COO and other senior executives, overseeing various departments. The organizational structure is hierarchical, with regional and departmental managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of various sizes. Market share data is difficult to pinpoint precisely due to the fragmented nature of the commercial lending market. Competitors include larger national banks and smaller regional banks. Loan volume provides revenue. Competitors: Bank of America (BAC), Citizens Financial Group (CFG)
- Wealth Management Services: Offers comprehensive financial planning and investment management services. Market share varies by region. Competitors: Fidelity Investments, Charles Schwab (SCHW).
- Mortgage Loans: Provides mortgage financing for residential properties. Market share fluctuates based on interest rates and market conditions. Competitors: Rocket Mortgage (RKT), Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increasing regulatory scrutiny, and growing competition from fintech companies. The wealth management industry is experiencing increasing demand for personalized financial advice.
Positioning
Washington Trust Bancorp is a regional bank focused on relationship banking and providing personalized service. Its competitive advantage lies in its strong local presence, long-standing reputation, and expertise in wealth management.
Total Addressable Market (TAM)
The total addressable market includes all potential customers for banking and wealth management services in the regions Washington Trust serves. This is valued in the trillions. Washington Trust captures a small percentage of this TAM but is positioned for growth.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Long-standing reputation
- Experienced management team
- Strong capital base
- Diverse revenue streams
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Limited marketing reach compared to larger banks
Opportunities
- Expand into new geographic markets
- Acquire smaller community banks
- Invest in digital banking technologies
- Grow wealth management business
- Increase presence in Rhode Island and other north eastern regions
Threats
- Increasing competition from national banks
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Citizens Financial Group (CFG)
- Bank of America (BAC)
- Santander Bank
- People's United Financial (PBCT)
Competitive Landscape
Washington Trust competes with larger national banks and smaller regional banks. It differentiates itself through its personalized service and strong local presence.
Major Acquisitions
Chelsea Groton Financial Services
- Year: 2023
- Acquisition Price (USD millions): 15.7
- Strategic Rationale: Further expansion into the wealth management sector, growing the business in adjacent markets in Connecticut.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued moderate growth, driven by expansion of wealth management and commercial lending activities.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and acquisition of smaller financial institutions.
Summary
Washington Trust Bancorp is a well-established regional bank with a strong reputation and a growing wealth management business. Its strengths lie in its local presence and experienced management team. Key areas to watch include increasing competition and the need to adapt to digital banking trends. They are positioned well in their regional markets and the wealth management acquisitions are strategically placed for growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Washington Trust Bancorp Inc. Investor Relations
- SEC Filings
- Company Press Releases
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on individual risk tolerance and financial situation.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Washington Trust Bancorp Inc
Exchange NASDAQ | Headquaters Westerly, RI, United States | ||
IPO Launch date 1995-08-18 | Chairman & CEO Mr. Edward Otis Handy III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 618 | Website https://www.washtrust.com |
Full time employees 618 | Website https://www.washtrust.com | ||
Washington Trust Bancorp, Inc. operates as the bank holding company for The Washington Trust Company, of Westerly that provides various banking and financial services to individuals and businesses. The company operates in two segments, Commercial Banking and Wealth Management Services. The Commercial Banking segment offers deposit accounts, including interest-bearing and noninterest-bearing demand deposits, NOW and savings accounts, money market and retirement deposit accounts, and time deposits; various commercial and retail lending products, such as commercial real estate loans, including commercial mortgages, and construction and development loans; commercial and industrial loans comprising working capital, equipment financing, and financing for other business-related purposes; residential real estate loans that consist of mortgage and homeowner construction loans; and consumer loans comprising home equity loans and lines of credit, personal installment loans, and loans to individuals secured by general aviation aircraft. This segment also provides debit cards; automated teller machines (ATMs); telephone banking, internet banking, mobile banking, remote deposit capture, and other cash management services; and investment portfolio and wholesale funding services. The Wealth Management Services segment offers investment management; financial planning; personal trust and estate services, such as trustee, personal representative, custodian, and guardian; and settlement of decedents' estates, as well as institutional trust services comprising custody and fiduciary services for personal and institutional clients. The company was founded in 1800 and is headquartered in Westerly, Rhode Island.
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