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Upturn AI SWOT - About
WASH 
Washington Trust Bancorp Inc (WASH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: WASH (1-star) is currently NOT-A-BUY. Pass it for now.
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 $30.5
1 Year Target Price $30.5
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.02% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 555.50M USD | Price to earnings Ratio - | 1Y Target Price 30.5 |
Price to earnings Ratio - | 1Y Target Price 30.5 | ||
Volume (30-day avg) 4 | Beta 0.92 | 52 Weeks Range 24.46 - 38.37 | Updated Date 08/15/2025 |
52 Weeks Range 24.46 - 38.37 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 7.65% | Basic EPS (TTM) -1.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.6567 | Actual 0.68 |
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 11.11 | Enterprise Value 1449757184 | Price to Sales(TTM) 4.79 |
Enterprise Value 1449757184 | Price to Sales(TTM) 4.79 | ||
Enterprise Value to Revenue 14.59 | Enterprise Value to EBITDA - | Shares Outstanding 19155200 | Shares Floating 18726329 |
Shares Outstanding 19155200 | Shares Floating 18726329 | ||
Percent Insiders 1.08 | Percent Institutions 68.71 |
Upturn AI SWOT
Washington Trust Bancorp Inc
Company Overview
History and Background
Washington Trust Bancorp, Inc. was founded in 1800 in Westerly, Rhode Island. Initially a savings bank, it has grown into a full-service financial institution offering banking, wealth management, and insurance services. Over two centuries, it has expanded through organic growth and acquisitions, becoming a leading community bank in its region.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, lines of credit, and cash management solutions.
- Retail Banking: Offers traditional banking products and services to individuals, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, financial planning, trust, and estate services to individuals, families, and institutions.
Leadership and Structure
The leadership team includes the CEO, President, CFO, and heads of the various business segments. The organizational structure is a traditional hierarchical model with clear lines of authority and responsibility.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Competitors include larger national banks and regional banks. Data on market share is not publicly available at a granular level.
- Residential Mortgages: Offers mortgage products for home purchases and refinancing. Competitors include national mortgage lenders and other regional banks. Specific market share is proprietary.
- Wealth Management Services: Provides investment advice and portfolio management to high-net-worth individuals. Competitors include national brokerage firms and independent financial advisors. AUM data would be needed to derive exact marketshare.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment characterized by rising interest rates, increased regulatory scrutiny, and technological disruption. Consolidation and digital transformation are key trends.
Positioning
Washington Trust Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on relationship banking and local expertise. Its competitive advantages include its long history, strong brand reputation, and focus on customer service.
Total Addressable Market (TAM)
The TAM for banking and wealth management services is substantial. Washington Trust Bancorp Inc. is focused on capturing a larger share within its geographic footprint and targeted customer segments. Precise TAM numbers are difficult to ascertain without more specific segmentation, but it is clearly a multi-billion dollar market within their operating footprint
Upturn SWOT Analysis
Strengths
- Strong capital base
- Long-standing reputation
- Experienced management team
- Customer-centric approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national competitors
- Reliance on traditional banking channels
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- NONE
- CASH
- FULT
- WSFS
- PFBC
Competitive Landscape
Washington Trust Bancorp Inc. competes with both larger national banks and smaller regional players. Its ability to maintain customer relationships and provide personalized service differentiates it from larger competitors. Smaller competitors may offer more niche services but lack the scale and resources of Washington Trust Bancorp Inc.
Major Acquisitions
N/A
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Historical growth information needs to be inserted here from a reliable financial data source.
Future Projections: Future projections information needs to be inserted here from a reliable financial data source.
Recent Initiatives: Recent strategic initiatives of Washington Trust Bancorp Inc., such as new technology deployments or branch expansions, need to be identified and inserted here.
Summary
Washington Trust Bancorp Inc. is a well-established community bank with a strong reputation and customer-centric approach. Its strengths lie in its experienced management team and solid capital base. However, its limited geographic diversification and smaller scale compared to national competitors pose challenges. To thrive, Washington Trust Bancorp Inc. needs to capitalize on digital banking opportunities and consider strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- MarketWatch
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share figures are estimates based on available data and may not be precise.
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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