Washington Trust Bancorp, Inc. (WASH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$40.26+1.28%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WASH
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 5.9% |
| Our one-year growth estimate | diamond | 8.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 2.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
WASH — earnings miss
Dated 2026-04-20
Results of Operations and Financial Condition. On April 20, 2026, Washington Trust Bancorp, Inc. issued a press release in which it disclosed unaudited financial information related to first quarter 2026 consolidated earnings. A copy of the press release relating to such announcement, dated April 20, 2026, is attached hereto as Exhibit 99.1 and is incorporated herein by reference. Pursuant to General Instructions B.2 of Form 8-K, this information shall not be deemed “filed” for purposes of Se…
Why it matters: More past due loans may mean credit quality problems. This could hurt future earnings.
Worry ifPast due loans reported above $41.4 million.
Less concerning ifPast due loans reported below $41.4 million.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector, impacting WASH's performance.
Worry ifRevenue growth reported below the median for the sector.
Less concerning ifRevenue growth remains above the median.
Why it matters: A steady or rising net interest margin means good control of income and costs.
Supportive ifNet interest margin reported at 2.70% or higher in Q3.
Worry ifNet interest margin is below 2.70%.
Why it matters: If they do well, it shows management cares about shareholders.
Supportive ifAnnouncing a repurchase of 850,000 shares or more shows they are executing.
Worry ifNo share repurchases were announced or done by the next earnings call.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$93 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $235 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,765 loss on $10,000 · 17.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: More noninterest income helps overall profits. It also adds variety to the business.
Supportive ifNoninterest income increases by more than 8% year over year in Q3 2026.
Worry ifNoninterest income grows less than 8% year over year in Q3 2026.
Why it matters: News about the buyback program can show trust in the company's stock. It also shows good financial health.
Supportive ifThe company said it repurchased shares as part of the 2026 Repurchase Program.
Worry ifNo shares were bought back, or the program is on hold.
Why it matters: Strong deposit growth means customers trust the bank. It also helps with lending.
Supportive ifTotal deposits reported up by more than 4% year over year in Q3.
Worry ifTotal deposits growth reported below 4% year over year in Q3.
Why it matters: A drop in nonaccrual loans means better asset quality. It also shows good credit management.
Supportive ifNonaccrual loans reported below $39.8 million in Q3.
Worry ifNonaccrual loans reported at or above $39.8 million in Q3.
Why it matters: Meeting or exceeding this EPS target shows strong earnings momentum. It supports the full-year EPS guidance of $2.69-$2.71.
Supportive ifQ3 EPS reported at $0.67 or higher.
Worry ifQ3 EPS reported below $0.67.
Why it matters: Loan growth over 2% shows strong demand. It also means good lending practices. This helps overall profits.
Supportive ifTotal loans increase by more than 2% from Q2 to Q3.
Worry ifTotal loans grow by 2% or less from Q2 to Q3.
Why it matters: Keeping the dividend shows good money management. It also shows confidence in future profits.
Supportive ifThe Board declares a quarterly dividend of $0.56 per share.
Worry ifThe Board lowers the quarterly dividend to less than $0.56.
Why it matters: More nonaccrual loans or late loans may mean credit problems. This can hurt future profits.
Worry ifNonaccrual loans increase beyond 0.81% of total loans.
Less concerning ifNonaccrual loans decrease or remain stable at 0.81% or lower.