Wilson Bank Holding Company Financial Ratios — WBHC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	6.66	7.43	9.14	10.98	11.25	10.95	9.18	11.57	11.39	10.74	12.45	13.7	12.39	12.44	14.27
Return on Assets (%)	0.66	0.75	0.93	1.15	1.23	1.21	1.04	1.34	1.35	1.25	1.34	1.28	1.07	1.11	1.35
Return on Capital (%)	6.66	7.43	9.14	10.98	11.25	10.95	9.18	11.57	10.98	10.34	12.4	13.71	12.38	12.41	14.26
Return on Invested Capital (%)	- -	6.19	8.54	10.98	11.23	10.93	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	28.92	37.21	45.83	46.74	47.97	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	26.47	33.07	40.71	41.73	42.29	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	299.89	153.45	51.05	51.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.07	26.47	33.07	40.71	41.73	42.29	41.88	37.05	39.11	35.74	42.46	40.43	37.63	39.26	42.77
Profit Margin (%)	14.58	16.35	20.85	25.56	26.46	26.78	22.98	29.19	29.92	28.6	32.71	31.5	29.26	30.3	33.35
Net Income to Common Margin (%)	14.58	16.35	20.85	25.56	26.46	26.78	22.98	29.19	29.92	28.6	32.71	31.5	29.26	30.3	33.35
Effective Tax Rate (%)	39.44	38.22	36.97	37.2	36.58	36.67	45.14	21.23	23.49	19.99	22.96	22.12	22.15	22.63	22
Dvd Payout Ratio (%)	43.26	51.39	28.13	21.71	20.68	22.46	28.6	28.98	32.53	33.81	30.16	39.4	8.82	10.25	10.99
Sustainable Growth Rate (%)	3.78	3.61	6.57	8.59	8.92	8.49	6.56	8.22	7.69	7.11	8.7	8.3	11.3	11.17	12.7

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	24	4	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	24	4	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	-3.86	-2.59	-1.4	-1.76	-1.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-5.06	-3.11	-1.57	-1.97	-1.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.98	10.1	10.16	10.72	11.05	11.13	11.55	11.62	12.06	11.28	10.37	8.41	8.86	8.95	9.89
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.01	0.96	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.55	0.95	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.85	0.11	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.01	0.96	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.55	0.95	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.85	0.11	- -	- -	- -	- -	- -
Net Debt to Equity	-26.03	-48.84	-41.26	-25.89	-33.13	-19.59	-35.68	-30.5	-34.47	-88.01	-103.06	-28.99	-56.47	-49.57	-61.47
Net Debt/Capital (%)	-35.19	-95.47	-70.25	-34.93	-49.55	-24.36	-55.47	-43.89	-52.6	-734	3,371.52	-40.82	-129.72	-98.3	-159.54
EBITDA	- -	21	28	37	42	46	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	20	24	33	38	41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	20	25	33	38	40	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.98	10.1	10.16	10.72	11.05	11.13	11.55	11.62	12.06	11.28	10.37	8.41	8.86	8.95	9.89
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.01	0.96	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.55	0.95	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.85	0.11	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.01	0.96	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.55	0.95	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.85	0.11	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.42	1.95	2.37	1.28	1.43	1.37	2.08	1.81	1.48	1.68	1.72	1.87	1.95	1.27	1.7
CFO/CapEx	4.06	15.12	9.12	5.17	5.56	5.21	3.37	5.24	6.01	22.63	6.89	14.58	18.54	17.74	24.32
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	11.32	13.08	14.52	15.44	16.84	16.87	16.55	17.19	19.02	20	19.94	17.69	12.58	11.62	12.63
Days Sales Outstanding	32.25	27.9	25.15	23.63	21.67	21.64	22.05	21.23	19.19	18.25	18.31	20.63	29.02	31.41	28.89
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	402	- -	487	4,858
- Cash & Cash Equivalents	41	83	73	52	74	48	96	90	140	338	426	104	242	238	358
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	24	4	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-526	- -	-579	4,500
Total Capital	157	170	178	201	223	245	268	296	361	384	414	360	429	480	582
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	6.55	0.95	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.82
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	50.02
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	52.17
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	399	- -	485	4,835
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-528	- -	-580	4,477
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	370.49
TTM Sales	69	74	76	81	90	96	102	112	120	135	151	168	167	187	227
TTM EBITDA	- -	21	28	37	42	46	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	20	25	33	38	40	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	20	29	37	21	26	27	43	41	36	50	61	73	86	62	90
TTM Free Cash Flow to Firm	15	27	33	17	21	22	30	33	30	48	53	68	81	58	86

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.86	- -	8.3	56.06
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-526	- -	-579	4,500
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27	- -	41	76.01
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.82
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.51	- -	8.56	63.67
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.55	- -	22.56	35.81
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.58	- -	36.55	63.67
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.79	- -	8.56	12.1
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.11	- -	1.02	8.35
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12	- -	2.68	4.7
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.27	- -	4.33	8.35
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.86	- -	1.02	1.59
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13	- -	1.03	8.44
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.14	- -	2.7	4.75
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.29	- -	4.38	8.44
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.87	- -	1.03	1.6
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.36	- -	2.59	21.23
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.38	- -	6.83	11.94
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.7	- -	11.07	21.23
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.82	- -	2.59	4.03
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.44	- -	7.81	53.58
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.47	- -	20.57	30.14
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.22	- -	33.34	53.58
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.2	- -	7.81	10.18
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.89	- -	21.86	31.53
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.69	- -	35.42	56.06
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.52	- -	8.3	10.65
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.16	10.46
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.43	19.82
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.49
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	35	- -	41	400
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	40	- -	175	400
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-523	- -	217	2,374
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-468	- -	1,013	4,500
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-618	- -	-579	565

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	7	7	7	8	8	10	10	11	11	11	11	11	12	12	12
Diluted Weighted Avg Shares	7	7	7	10	10	10	10	11	11	11	11	11	12	12	12
Basic Weighted Avg Shares	7	7	7	10	10	10	10	11	11	11	11	11	12	12	12
Revenue per Share	9.47	10.09	10.19	8.08	8.87	9.31	9.84	10.57	11.21	12.32	13.57	14.8	14.4	15.8	18.84
EBITDA per Share	- -	2.92	3.79	3.7	4.15	4.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	2.67	3.37	3.29	3.7	3.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.38	1.65	2.12	2.06	2.35	2.49	2.26	3.09	3.36	3.52	4.44	4.66	4.21	4.79	6.28
Basic EPS from Cont Ops	1.38	1.65	2.12	2.06	2.35	2.49	2.26	3.09	3.36	3.52	4.44	4.66	4.22	4.8	6.28
Diluted EPS, GAAP	1.38	1.65	2.12	2.06	2.35	2.49	2.26	3.08	3.35	3.51	4.43	4.65	4.2	4.78	6.26
Diluted EPS from Cont Ops	1.38	1.65	2.12	2.06	2.35	2.49	2.26	3.08	3.35	3.51	4.43	4.65	4.21	4.79	6.26
Dividend per Share	0.6	0.85	0.6	0.45	0.49	0.56	0.65	0.89	1.09	1.19	1.34	1.84	0.37	0.49	0.69
Cash Flow per Share	2.78	4	4.97	2.13	2.52	2.61	4.1	3.84	3.38	4.6	5.52	6.43	7.42	5.25	7.47
Free Cash Flow per Basic Share	2.09	3.73	4.43	1.72	2.07	2.11	2.88	3.11	2.82	4.39	4.72	5.99	7.02	4.95	7.16
Cash & Equivalents per Share	48.15	53.94	53.7	52.62	52.95	34.93	40.98	35.34	51.97	83.57	118.19	80.83	90.15	89.73	29.51
Book Value per Share	21.54	22.87	23.69	26.53	29.2	23.7	25.62	27.83	31.22	34.58	36.93	31.42	36.74	40.37	47.89
Tangible Book Value per Share	20.87	22.23	23.05	25.9	28.57	23.24	25.16	27.38	30.78	34.14	36.51	31	36.33	39.97	47.41