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Washington Trust Bancorp Inc. (WASH) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$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
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🤖 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+
025507510069
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+
Cash (15)Whales (11)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$49 Bull$42 Base$33 Bear
📬 FREE WASH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
61
Grade C$37.07+2.8% Next Q
Q2 (-2Q)
64
Grade C+$38.11+2.7% Next Q
Q3 (-1Q)
66
Grade B-$39.12+2% Next Q
Current
69
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 →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How WASH Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$78.3M (135.6% FCF Margin)
Revenue$57.7MGross Profit $30.0M (52%)Cost of Sales $27.7MOp Profit $0 (0%)OpEx (R&D/SG&A) $30.0MNet Profit$52.2M (90.5%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $44.5M
FY24
Rev $48.2M
FY25
Rev $57.7M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$57.7M52%0%$52.2M$78.3M9.6%
FY 2024$48.2M52%0%-$28.1M$53.7M9.6%
FY 2023$44.5M52%0%$48.2M$31.6M9.6%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WASH)

  • ✓Walkthrough of WASH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
$41.24$38.33$35.42$32.51$29.60RES $39.85SUP $35.75$39.902026-05-042026-06-172026-08-042026-09-182026-11-03
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?

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.

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

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).

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

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.

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) ↓
🔥 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
1. Pick Your Side on WASH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
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.

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