Washington Trust Bancorp, Inc. (WASH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$40.28+2.78%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 5.0% |
| Our one-year growth estimate | diamond | 10.6% |
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 2026-11-04.
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 5.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
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: The stated goal gives a clear test of whether this year's earnings growth is on track. Q3 EPS was $1.01.
Watch forFull-year 2026 diluted EPS lands between $2.69 and $2.71.
Also watch forFull-year 2026 diluted EPS lands below $2.69 or above $2.71.
Why it matters: NIM rose to 2.84% in Q3, with no more hedge-loss expense from May onward. Further gains would show the margin benefit is continuing.
Supportive ifQ4 NIM is above 2.84%, and net interest income rises from Q3's $44.7 million.
Worry ifQ4 NIM falls below 2.84% or net interest income falls below $44.7 million.
Why it matters: The board approved a plan for up to 850,000 shares, but the supplied Q3 report gives no repurchase total. Actual purchases would show the plan is in use.
Supportive ifA company filing or earnings release reports shares bought back under the plan. Total purchases are at or below 850,000 shares.
Worry ifThe next quarterly report shows zero shares repurchased under the plan, or the board ends the plan.
Why it matters: Q3 charge-offs rose to $3.9 million from $55,000. The quarter also included a $3.8 million charge-off on one office loan.
Worry ifQ4 net charge-offs exceed $3.9 million, or nonaccrual loans rise above $24.5 million.
Less concerning ifQ4 net charge-offs fall below $3.9 million and nonaccrual loans stay at or below $24.5 million.
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 | ±$89 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $229 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: The company has kept its dividend at $0.56 in the reported quarters. A cut would break that pattern; another unchanged payout would support it.
Watch forThe board declares a next quarterly dividend of $0.56 per share or more.
Also watch forThe board declares a next quarterly dividend below $0.56 per share.