WBHC
Wilson Bank Holding Company
Price Chart
Latest Quote
$400.00
Current Price| Previous Close | $175.00 |
| Open | $262.50 |
| Day High | $400.00 |
| Day Low | $262.50 |
| Volume | 2 |
Stock Information
| Quarterly Dividend / Yield | $2.00 / 1.14% |
| Shares Outstanding | 12.14M |
| Cash Equivalents | $379.07M |
| Revenue | $207.50M |
| Net Income | $68.32M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $4.85B |
| P/E Ratio | 70.30 |
| EPS (TTM) | $5.69 |
| Exchange | PNK |
đ Custom Metrics & Score
Score: 9/42| Debt to Equity | 10.18 |
| Debt to Earnings | 66.62 |
| Avg Revenue Growth | 5.87% |
| Profit Margin | 30.30% |
| Return on Equity | 11.79% |
| Avg FCF Growth | 2.84% |
| FCF Yield | 1.20% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $175.00 | 0 |
| 2026-01-30 | $175.00 | 0 |
| 2026-01-29 | $175.00 | 0 |
| 2026-01-28 | $175.00 | 0 |
| 2026-01-27 | $175.00 | 0 |
| 2026-01-26 | $175.00 | 0 |
| 2026-01-23 | $175.00 | 0 |
| 2026-01-22 | $175.00 | 0 |
| 2026-01-21 | $175.00 | 0 |
| 2026-01-20 | $175.00 | 0 |
| 2026-01-16 | $175.00 | 0 |
| 2026-01-15 | $175.00 | 0 |
| 2026-01-14 | $175.00 | 0 |
| 2026-01-13 | $175.00 | 0 |
| 2026-01-12 | $175.00 | 0 |
| 2026-01-09 | $175.00 | 0 |
| 2026-01-08 | $175.00 | 0 |
| 2026-01-07 | $175.00 | 0 |
| 2026-01-06 | $175.00 | 0 |
| 2026-01-05 | $175.00 | 0 |
About Wilson Bank Holding Company
Wilson Bank Holding Company operates as the bank holding company for Wilson Bank and Trust that provides various banking services to consumers, professionals, small businesses, and municipalities in Tennessee. It offers checking, savings, and money market deposit accounts, as well as certificates of deposit; loans for consumer, commercial, and real estate purposes. The company also provides investment advisory services through a third-party registered broker-dealer investment adviser; and custodial, trust, and brokerage services. Wilson Bank Holding Company was founded in 1987 and is headquartered in Lebanon, Tennessee.
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Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $186,564,000 | $167,248,000 | $168,397,000 | $151,098,000 |
| Operating Revenue | $186,564,000 | $167,248,000 | $168,397,000 | $151,098,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $126,809,000 | $83,679,000 | $16,133,000 | $11,636,000 |
| Selling And Marketing Expense | $3,512,000 | $3,714,000 | $3,455,000 | $2,736,000 |
| General And Administrative Expense | $72,854,000 | $64,862,000 | $60,748,000 | $55,966,000 |
| Professional Expense And Contract Services Expense | $1,550,000 | $1,789,000 | $1,409,000 | $1,287,000 |
| Other Non Interest Expense | $21,734,000 | $20,829,000 | $18,395,000 | $16,707,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $56,530,000 | $48,938,000 | $53,042,000 | $49,426,000 |
| Net Interest Income | $157,307,000 | $138,904,000 | $141,407,000 | $118,205,000 |
| Interest Income | $284,116,000 | $222,583,000 | $157,540,000 | $129,841,000 |
| Normalized Income | $56,770,714 | $48,988,635 | $52,809,079 | $49,466,040 |
| Net Income From Continuing And Discontinued Operation | $56,530,000 | $48,938,000 | $53,042,000 | $49,426,000 |
| Net Income Common Stockholders | $56,530,000 | $48,938,000 | $53,042,000 | $49,426,000 |
| Net Income | $56,530,000 | $48,938,000 | $53,042,000 | $49,426,000 |
| Net Income Including Noncontrolling Interests | $56,664,000 | $48,992,000 | $53,020,000 | $49,426,000 |
| Net Income Continuous Operations | $56,664,000 | $48,992,000 | $53,020,000 | $49,426,000 |
| Pretax Income | $73,240,000 | $62,931,000 | $68,076,000 | $64,158,000 |
| Special Income Charges | $-303,000 | $-55,000 | $291,000 | $-43,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $4.78 | $4.20 | $4.65 | $4.43 |
| Basic EPS | $4.79 | $4.21 | $4.66 | $4.44 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $-70,286 | $-14,365 | $66,079 | $-11,960 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-311,000 | $-65,000 | $299,000 | $-52,000 |
| Total Unusual Items Excluding Goodwill | $-311,000 | $-65,000 | $299,000 | $-52,000 |
| Reconciled Depreciation | $4,883,000 | $4,569,000 | $5,391,000 | $4,622,000 |
| Diluted Average Shares | $11,838,589 | $11,641,366 | $11,408,924 | $11,162,956 |
| Basic Average Shares | $11,806,822 | $11,611,690 | $11,377,617 | $11,131,897 |
| Diluted NI Availto Com Stockholders | $56,530,000 | $48,938,000 | $53,042,000 | $49,426,000 |
| Minority Interests | $-134,000 | $-54,000 | $22,000 | $0 |
| Tax Provision | $16,576,000 | $13,939,000 | $15,056,000 | $14,732,000 |
| Other Special Charges | $303,000 | $55,000 | $-291,000 | $43,000 |
| Gain On Sale Of Security | $-2,742,000 | $-1,009,000 | $-1,620,000 | $28,000 |
| Selling General And Administration | $76,366,000 | $68,576,000 | $64,203,000 | $58,702,000 |
| Insurance And Claims | $3,129,000 | $3,120,000 | $1,527,000 | $1,130,000 |
| Salaries And Wages | $69,725,000 | $61,742,000 | $59,221,000 | $54,836,000 |
| Occupancy And Equipment | $8,771,000 | $9,757,000 | $8,963,000 | $8,796,000 |
| Other Gand A | - | - | - | $6,079,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $474,695,000 | $424,531,000 | $355,632,000 | $408,912,000 |
| Total Assets | $5,358,659,000 | $4,846,476,000 | $4,285,650,000 | $3,989,596,000 |
| Goodwill And Other Intangible Assets | $4,805,000 | $4,805,000 | $4,805,000 | $4,805,000 |
| Receivables | $16,914,000 | $15,197,000 | $11,397,000 | $7,641,000 |
| Accounts Receivable | $16,914,000 | $15,197,000 | $11,397,000 | $7,641,000 |
| Cash And Cash Equivalents | $237,798,000 | $242,476,000 | $104,481,000 | $426,363,000 |
| Cash Financial | $26,527,000 | $28,775,000 | $25,787,000 | $25,423,000 |
| Cash Cash Equivalents And Federal Funds Sold | $251,465,000 | $256,071,000 | $109,146,000 | $458,507,000 |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $4,878,956,000 | $4,417,071,000 | $3,925,198,000 | $3,575,879,000 |
| Payables And Accrued Expenses | - | - | $32,493,000 | $20,808,000 |
| Payables | - | - | $32,493,000 | $20,808,000 |
| Accounts Payable | - | - | $32,493,000 | $20,808,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $479,500,000 | $429,336,000 | $360,437,000 | $413,717,000 |
| Total Equity Gross Minority Interest | $479,703,000 | $429,405,000 | $360,452,000 | $413,717,000 |
| Stockholders Equity | $479,500,000 | $429,336,000 | $360,437,000 | $413,717,000 |
| Gains Losses Not Affecting Retained Earnings | $-88,231,000 | $-88,163,000 | $-110,430,000 | $-6,315,000 |
| Other Equity Adjustments | $-88,231,000 | $-88,163,000 | $-110,430,000 | $-6,315,000 |
| Retained Earnings | $393,238,000 | $357,260,000 | $325,625,000 | $292,452,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Ordinary Shares Number | $11,876,770 | $11,686,363 | $11,472,181 | $11,201,504 |
| Share Issued | $11,876,770 | $11,686,363 | $11,472,181 | $11,201,504 |
| Tangible Book Value | $474,695,000 | $424,531,000 | $355,632,000 | $408,912,000 |
| Minority Interest | $203,000 | $69,000 | $15,000 | $0 |
| Additional Paid In Capital | $150,739,000 | $136,866,000 | $122,298,000 | $105,177,000 |
| Capital Stock | $23,754,000 | $23,373,000 | $22,944,000 | $22,403,000 |
| Common Stock | $23,754,000 | $23,373,000 | $22,944,000 | $22,403,000 |
| Investments And Advances | $827,893,000 | $811,081,000 | $822,812,000 | $897,585,000 |
| Available For Sale Securities | $822,499,000 | - | - | - |
| Goodwill | $4,805,000 | $4,805,000 | $4,805,000 | $4,805,000 |
| Net PPE | $61,549,000 | $62,398,000 | $62,031,000 | $62,846,000 |
| Accumulated Depreciation | $-33,719,000 | $-29,256,000 | $-24,933,000 | $-22,858,000 |
| Gross PPE | $95,268,000 | $91,654,000 | $86,964,000 | $85,704,000 |
| Leases | $1,934,000 | $1,710,000 | $1,621,000 | $1,155,000 |
| Construction In Progress | $300,000 | $2,469,000 | $2,711,000 | $3,335,000 |
| Other Properties | $511,000 | $345,000 | $373,000 | $241,000 |
| Machinery Furniture Equipment | $19,097,000 | $16,524,000 | $14,858,000 | $14,705,000 |
| Buildings And Improvements | $52,664,000 | $49,784,000 | $46,579,000 | $46,112,000 |
| Land And Improvements | $20,762,000 | $20,822,000 | $20,822,000 | $20,156,000 |
| Other Short Term Investments | $5,394,000 | $811,081,000 | $822,812,000 | $897,585,000 |
| Unrealized Gain Loss | - | - | - | $-6,315,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $58,487,000 | $81,461,000 | $68,185,000 | $52,526,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $61,981,000 | $86,104,000 | $73,207,000 | $61,448,000 |
| Cash Flow From Continuing Operating Activities | $61,981,000 | $86,104,000 | $73,207,000 | $61,448,000 |
| Operating Gains Losses | $-15,000 | $-1,561,000 | $-1,652,000 | $-9,988,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-3,494,000 | $-4,643,000 | $-5,022,000 | $-8,922,000 |
| Investing Cash Flow | $-521,210,000 | $-407,718,000 | $-758,902,000 | $-530,462,000 |
| Cash Flow From Continuing Investing Activities | $-521,210,000 | $-407,718,000 | $-758,902,000 | $-530,462,000 |
| Net Other Investing Changes | $-562,000 | $1,389,000 | $-9,964,000 | $-14,803,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-2,181,000 | $0 | $0 | $0 |
| Issuance Of Capital Stock | $14,732,000 | $12,979,000 | $16,117,000 | $11,188,000 |
| Financing Cash Flow | $454,183,000 | $469,460,000 | $337,066,000 | $583,576,000 |
| Cash Flow From Continuing Financing Activities | $454,183,000 | $469,460,000 | $337,066,000 | $583,576,000 |
| Net Other Financing Charges | $-1,285,000 | $-1,631,000 | $3,586,000 | $-4,403,000 |
| Cash Dividends Paid | $-20,552,000 | $-17,303,000 | $-20,880,000 | $-14,909,000 |
| Common Stock Dividend Paid | $-20,552,000 | $-17,303,000 | $-20,880,000 | $-14,909,000 |
| Net Common Stock Issuance | $12,551,000 | $12,979,000 | $16,117,000 | $11,188,000 |
| Common Stock Issuance | $14,732,000 | $12,979,000 | $16,117,000 | $11,188,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-34,000 | $-30,000 | $-26,000 | $-3,638,000 |
| Interest Paid Supplemental Data | $125,284,000 | $62,624,000 | $14,617,000 | $12,106,000 |
| Income Tax Paid Supplemental Data | $18,844,000 | $16,511,000 | $19,446,000 | $16,827,000 |
| End Cash Position | $247,589,000 | $252,635,000 | $104,789,000 | $453,418,000 |
| Beginning Cash Position | $252,635,000 | $104,789,000 | $453,418,000 | $338,856,000 |
| Changes In Cash | $-5,046,000 | $147,846,000 | $-348,629,000 | $114,562,000 |
| Proceeds From Stock Option Exercised | $575,000 | $1,044,000 | $635,000 | $862,000 |
| Common Stock Payments | $-2,181,000 | $0 | $0 | $0 |
| Net Issuance Payments Of Debt | $-34,000 | $-30,000 | $-26,000 | $-3,638,000 |
| Net Long Term Debt Issuance | $-34,000 | $-30,000 | $-26,000 | $-3,638,000 |
| Long Term Debt Payments | $-34,000 | $-30,000 | $-26,000 | $-3,638,000 |
| Net Investment Purchase And Sale | $-21,343,000 | $37,988,000 | $-71,803,000 | $-342,642,000 |
| Sale Of Investment | $148,096,000 | $89,104,000 | $128,272,000 | $189,513,000 |
| Purchase Of Investment | $-169,439,000 | $-51,116,000 | $-200,075,000 | $-532,155,000 |
| Net PPE Purchase And Sale | $-3,494,000 | $-4,643,000 | $-3,264,000 | $-8,922,000 |
| Sale Of PPE | $0 | $0 | $1,758,000 | $0 |
| Purchase Of PPE | $-3,494,000 | $-4,643,000 | $-5,022,000 | $-8,922,000 |
| Change In Working Capital | $-7,882,000 | $27,429,000 | $-5,126,000 | $-6,424,000 |
| Change In Other Current Liabilities | $-1,375,000 | $1,028,000 | $-2,602,000 | $-383,000 |
| Change In Other Current Assets | $-6,315,000 | $9,146,000 | $-284,000 | $-4,458,000 |
| Change In Payables And Accrued Expense | $1,525,000 | $21,055,000 | $1,516,000 | $-1,458,000 |
| Change In Payable | $1,525,000 | $21,055,000 | $1,516,000 | $-1,458,000 |
| Change In Account Payable | $1,525,000 | $21,055,000 | $1,516,000 | $-1,458,000 |
| Change In Receivables | $-1,717,000 | $-3,800,000 | $-3,756,000 | $-125,000 |
| Changes In Account Receivables | $-1,717,000 | $-3,800,000 | $-3,756,000 | $-125,000 |
| Other Non Cash Items | $1,016,000 | $566,000 | $10,116,000 | $16,534,000 |
| Stock Based Compensation | $1,567,000 | $1,948,000 | $1,864,000 | $1,428,000 |
| Amortization Of Securities | $1,699,000 | $2,879,000 | $4,003,000 | $5,377,000 |
| Deferred Tax | $-551,000 | $-2,029,000 | $-2,051,000 | $-932,000 |
| Deferred Income Tax | $-551,000 | $-2,029,000 | $-2,051,000 | $-932,000 |
| Depreciation Amortization Depletion | $4,883,000 | $4,569,000 | $5,391,000 | $4,622,000 |
| Depreciation And Amortization | $4,883,000 | $4,569,000 | $5,391,000 | $4,622,000 |
| Amortization Cash Flow | $343,000 | $227,000 | $532,000 | - |
| Amortization Of Intangibles | $343,000 | $227,000 | $532,000 | - |
| Depreciation | $4,540,000 | $4,342,000 | $4,859,000 | $4,622,000 |
| Gain Loss On Investment Securities | $2,742,000 | $1,009,000 | $1,620,000 | $-28,000 |
| Gain Loss On Sale Of PPE | $303,000 | $55,000 | $-291,000 | $43,000 |
| Net Income From Continuing Operations | $56,664,000 | $48,992,000 | $53,020,000 | $49,426,000 |