Should I buy, hold, or sell WASH stock right now?

Washington Trust Bancorp Inc. (WASH) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

What is WASH's 12-month price target and RQD AI Jury consensus?

WASH's 12-month base price target is $41.88 (range $32.67 to $49.42), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / WASH

SHBI (64) AROW (64) PFIS (63) CWBC (60) ⌘ Pro Terminal →

Washington Trust Bancorp Inc. (WASH) — RQD Stock Rating Cockpit

$39.90 +3.40% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.07

Washington Trust Bancorp Inc. (WASH) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $736.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WASH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Washington Trust Bancorp Inc. (NASDAQ: WASH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $39.90 (+3.40% 1D, market cap $736.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, WASH ranks #141 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WASH compare to SHBI and AROW in the Financials sector?

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Within the Financials sector (Major Banks), WASH carries a Roarable C+ (69/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 9.6%. By comparison, SHBI (Shore Bancshares Inc) holds a C grade (64/100 RQD, P/E 12.7x, ROIC 10.1%, cap $746.9M) and AROW (Arrow Financial Corporation) posts a C grade (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $710.6M). Among the 5-stock peer group, PFIS leads on earnings multiple (12.1x) while PFIS leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WASH?

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Per WASH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000737468), Washington Trust Bancorp Inc. generated $57.7M in revenue (+19.7% YoY), $52.2M in net income, and $78.3M in free cash flow against $6.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $40.07 (+0.42%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 135.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WASH)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY WASH SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 135.6% FCF Margin ($78.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$37.07+2.8% Next Q

Q2 (-2Q)

Grade C+$38.11+2.7% Next Q

Q3 (-1Q)

Grade B-$39.12+2% Next Q

Current

Grade C+$39.90+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WASH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, WASH faces multiple-compression risk if 14.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.70) or 200D SMA ($35.70) invalidates the momentum regime and cuts Target Base ($41.88) toward Bear Floor ($32.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WASH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WASH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

5130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE95% OF RANGE

L: $27$39.90H: $41

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on WASH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

9.6% ROIC with 42.0% gross margin and 10.45% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

27/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like WASH

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (WASH Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.76%⚡ TESTING RESISTANCE

2026-11-03O $39.30H $39.90L $38.59C $39.90VOL 105.3K

RES: $39.85SUP: $35.75SMA50: $38.70SMA200: $35.70

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WASH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WASH Butterfly Map → + Track WASH →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

6.2%/yr Implied 5Y Growth

vs. +19.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on WASH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WASH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WASH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WASH)

Financials Rank #141 of 1097 ⚔️ SHBI vs WASH Full Matrix →

1. Head-to-Head Financials Peer Comparison (WASH vs. SHBI, AROW, PFIS, CWBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Washington Trust Bancorp Inc. (WASH) ranks #141 by composite RQD confidence (69/100, grade C+) and #612 by equity capitalization ($736.1M). Within this direct 5-issuer industry benchmark cohort, PFIS leads on earnings valuation at 12.1x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. WASH currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WASH ACTIVE Washington Trust Bancorp Inc.	C+	69/100	14.3x	—	9.6%	+3.40%	$736.1M	Benchmark Subject
SHBI Shore Bancshares Inc	C	64/100	12.7x	—	10.1%	+2.86%	$746.9M	/shbi-vs-wash →
AROW Arrow Financial Corporation	C	64/100	16.3x	—	10.2%	+2.35%	$710.6M	/arow-vs-wash →
PFIS Peoples Financial Services Corp.	C	63/100	12.1x	—	11.4%	+6.54%	$703.9M	/pfis-vs-wash →
CWBC Community West Bancshares	C-	60/100	18.6x	—	9.3%	+2.21%	$699.7M	/cwbc-vs-wash →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000737468 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Washington Trust Bancorp Inc. (WASH) reported GAAP revenue of $57.7M (+19.7% vs. FY2024 revenue of $48.2M , and +29.8% cumulative change since FY2023) , GAAP net income of $52.2M, operating cash flow of $80.3M, and free cash flow of $78.3M (+45.9% YoY). On the balance sheet, WASH closed FY2025 with $6.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$57.7M	$52.2M	$80.3M	$78.3M	$6.62B	—
FY2024 (FY)	2024-12-31	$48.2M	-$28.1M	$57.7M	$53.7M	$6.93B	—
FY2023 (FY)	2023-12-31	$44.5M	$48.2M	$31.6M	$31.6M	—	—

3. WASH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does WASH compare to SHBI and AROW in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for WASH?

Where is WASH trading relative to its 50-day, 200-day, and 52-week technical levels?

WASH last traded at $39.90 (+3.40% on volume of 140,840 shares), positioning the stock +3.10% above its 50-day simple moving average ($38.70) and +11.76% above its 200-day simple moving average ($35.70). Across its 52-week range of $26.52 to $40.54, WASH sits at the 95.4% percentile with a 14-day RSI of 51.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($38.14 to $41.66).

Direct Sub-Reports: WASH RQD Cockpit WASH 12M Forecast WASH Earnings & Move WASH Dividends & DRIP WASH Insiders & 13F WASH Whale Options WASH Profit Sankey WASH News & Why

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

WASH — Washington Trust Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Washington Trust Bancorp Inc. (WASH) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $39.90 (+3.40% 1D, market capitalization $736.1M).

Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 9.6%, gross margin of —, operating margin of —, and free cash flow yield of 10.45%.
Whale 13F & Options Flow (11/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Washington Trust Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. Specific products, customer segments, and revenue mix are — The profile does not describe how the company makes money beyond its sector and industry classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Washington Trust Bancorp Inc. (WASH) reported $57.7M in annual revenue (up from $48.2M in FY2024, +19.7% YoY) and $52.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($44.5M revenue, $48.2M net income) through FY2025, WASH scaled operating cash flow to $80.3M and free cash flow to $78.3M, backed by $6.62B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C+ • RQD 69/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $26.52 – $40.54 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), WASH carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can WASH sustain or expand its — operating margin and 9.6% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $57.7M and free cash flow of $78.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is WASH's 12.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

WASH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Washington Trust Bancorp Inc. (WASH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WASH Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 21h ago

Washington Trust Bancorp, Inc. (WASH) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Motley Fool • 1d ago

Why Washington Trust Bancorp Stock Was a Winner Today

The Motley Fool report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Washington Trust Bancorp (WASH) Stock Trades Up, Here Is Why

The Globe and Mail report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

I'm Not Able To Upgrade Washington Trust Bancorp Just Yet (NASDAQ:WASH)

Seeking Alpha report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Washington Trust Bancorp (NASDAQ:WASH) Posts Better-Than-Expected Sales In Q3 2026

Yahoo Finance report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Washington Trust Bancorp (WASH) Stock Jumps As Q3 Earnings Sharpen Credit Outlook

Yahoo Finance report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Washington Trust Bancorp (WASH) Surpasses Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

3 Reasons to sell WASH and 1 stock to buy instead

Washington Trust Bancorp’s 22.3% return over the past six months has outpaced the S&P 500 by 14.8%, and its stock price has climbed to $39.11 per share. This was partly thanks to its solid quarterly results, and the perf

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WASH Bull vs. Bear Conversation Board — What's Your Call at $39.90?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WASH 🐻 33% BEARISH CONVICTION

DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $50.55 (+31.0%)

📌 Pinned Debate

Per the Roarable RQD rating, insider conviction (16/20) and a 10.45% FCF yield with 14.3 trailing P/E point to cash generation and insi

Don't sleep on WASH's setup in Financials. Per the Roarable RQD rating, insider conviction (16/20) and a 10.45% FCF yield with 14.3 trailing P/E point to cash generation and insider flow supporting the score.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (69/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@ForensicBear Fair point on 14.3x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $30.10 (-22.0%)

Spot @ $38.59

Valuation & margin reality check on WASH at $38.59 before chasing here

Here is the bear case nobody on the bull side wants to address on WASH: Valuation & margin reality check on WASH at $38.59 before chasing here. At 14.3x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.