West Shore Bank Corp.

West Shore Bank Corp.

WSSH
West Shore Bank Corp.US flagOther OTC
43.05
USD
- -
- -
53.05MMarket Cap
West Shore Bank Corp.
WSSH
(Other OTC)

Recent

price

43.05

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
FRC
16.28
20.04
19.98
20.98
21.44
23.62
- -
Revenue per Share
2.67
2.87
3.52
3.03
3.53
3.93
- -
Basic EPS, GAAP
2.79
-5.6
-0.54
5.07
6.09
3.12
- -
Free Cash Flow per Basic Share
0.88
0.88
0.88
0.87
0.88
0.92
- -
Dividend per Share
32.59
34.57
36.97
39.25
42.06
45.68
- -
Book Value per Share
31.85
32.38
32.86
25.17
29.65
35.39
- -
Tangible Book Value per Share
1
1
1
1
1
1
- -
Basic Weighted Avg Shares
22
26
26
27
27
29
34
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
2
2
2
2
2
2
Depreciation Expense
4
4
5
4
4
5
6
Net Income, GAAP
7.18
9.97
12.25
10.77
7.11
18.17
16.12
Effective Tax Rate (%)
16.38
14.3
17.62
14.42
16.46
16.66
18.2
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
24
- -
20
59
25
38
52
LT Debt
44
47
48
37
42
48
57
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
8.51
9.81
7.82
8.61
8.91
10.62
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
5.23%
18.4%
Free Cash Flow
- -
-204.73%
108.36%
Net Income, GAAP
- -
11.82%
28.85%
Sales/Revenue/Turnover
- -
5.62%
17.91%
Total Cash Common Dividend
- -
-0.52%
-0.53%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
27
2024
- -
- -
- -
- -
29
2025
- -
- -
- -
- -
34

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
3.53
2024
- -
- -
- -
- -
3.93
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.88
2024
- -
- -
- -
- -
0.92
2025
- -
- -
- -
- -
- -
Business
West Shore Bank Corp. (WSSH) serves as the bank holding company for West Shore Bank, a community bank that provides a comprehensive range of retail and commercial banking products and services to individuals, businesses, and local organizations throughout Michigan. West Shore Bank offers deposit products including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; lending solutions such as commercial loans, consumer loans, mortgage loans, lines of credit, term loans, and equipment financing; treasury and cash management services encompassing positive pay, automated clearing house processing, wire transfers, remote deposit capture, sweep accounts, and bill pay; wealth management and investment services including investment advisory, trust services, retirement planning, and estates management; digital banking platforms with online, mobile, telephone, and interactive teller machine access; as well as business credit cards, payment solutions via Autobooks integration, safe deposit boxes, debit cards, and merchant card services. The bank operates 11 branches across Mason, Manistee, Oceana, Benzie, Grand Traverse, Muskegon, and Kent counties, with headquarters in Ludington, Michigan, where it traces its origins to 1898. In March 2025, West Shore Bank completed the acquisition of Auto Club Trust's wealth management, investment advisory, and trust services business, expanding its offerings and presence into Southeast Michigan including Dearborn; during 2024, the bank selected Spiral to enable consumer and business customers to direct everyday banking transactions toward charitable donations and partnered with Autobooks for streamlined invoicing and payments, while also enhancing community engagement through initiatives like its record-setting Rhythm & Dunes concert series fundraising and the adoption of Ramsey Solutions' personal finance curriculum for local high schools.

Company News

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  • West Shore Bank Corp. (OTCMKTS:WSSH) Short Interest Down 14.0% in January