Wilson Bank Holding Company

WBHC

Banks - Regional · Financial Services

Price

$550.00

+0.00 (+0.00%)

Market Cap

$6.76B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+8.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 11.2M (2021) → 12.1M (2025)

Wilson Bank Holding Company is a regional bank based in Lebanon, Tennessee. It serves everyday customers and local businesses through its main subsidiary, Wilson Bank and Trust, offering checking and savings accounts, loans, mortgages, and other basic banking services. The bank focuses almost entirely on communities in Middle Tennessee.

Wilson Bank makes money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, earning the difference. It operates roughly 30 branch locations across Tennessee and has grown steadily by staying close to its local markets rather than expanding nationally. Its main competitive advantage is deep community ties and a reputation for relationship-based banking in a fast-growing region of the country. The key risk is rising interest rates or an economic slowdown in Tennessee, either of which could reduce loan demand or increase loan defaults and pressure the bank's profit margins.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+10.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+32.8% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

5.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$30M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Wilson Bank Holding Company is a rare growth stock that's already generating positive cash flow while growing at 11%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

64.7%

Premium pricing power — 64.7% gross margin

Operating Margin

30.9%

Excellent — 30.9% operating margin

ROCE

4.9%

Weak — 4.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+12.6%

Fast-growing sales (12.6% YoY)

EPS YoY

+32.7%

Earnings growing fast (32.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

114%

Turns 114% of profit into real cash

FCF Margin

24.3%

Converts sales into free cash efficiently (24.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

0.81x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

81.7x

Expensive — P/E 81.7

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

0.25%

Small dividend — 0.25% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+43.9%

Dividend growing fast (43.9% YoY)

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