What is Washington Tr Bancorp Inc's earnings per share (EPS)?

Washington Tr Bancorp Inc (WASH) reported diluted earnings per share of $2.71 for fiscal year 2025. This represents a 266.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Washington Tr Bancorp Inc Financials

WASH

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Washington Tr Bancorp Inc (WASH) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 58/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Washington Tr Bancorp Inc's revenue surged 127.6% year-over-year to $229.0M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Washington Tr Bancorp Inc has elevated debt relative to equity (D/E of 11.18), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Washington Tr Bancorp Inc converts 34.2% of revenue into free cash flow ($78.3M). This strong cash generation earns a score of 100/100.

Returns

Washington Tr Bancorp Inc's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 32/100. This is up from -5.6% the prior year.

Piotroski F-Score Neutral

6/9

Washington Tr Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.54x

For every $1 of reported earnings, Washington Tr Bancorp Inc generates $1.54 in operating cash flow ($80.3M OCF vs $52.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$229.0M

YoY+127.6%

5Y CAGR+0.2%

10Y CAGR+6.2%

Washington Tr Bancorp Inc generated $229.0M in revenue in fiscal year 2025. This represents an increase of 127.6% from the prior year.

EBITDA

N/A

Net Income

$52.2M

YoY+286.2%

5Y CAGR-5.6%

10Y CAGR+1.9%

Washington Tr Bancorp Inc reported $52.2M in net income in fiscal year 2025. This represents an increase of 286.2% from the prior year.

EPS (Diluted)

$2.71

YoY+266.3%

5Y CAGR-7.5%

10Y CAGR+0.6%

Washington Tr Bancorp Inc earned $2.71 per diluted share (EPS) in fiscal year 2025. This represents an increase of 266.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$78.3M

YoY+45.9%

5Y CAGR+18.8%

10Y CAGR+5.3%

Washington Tr Bancorp Inc generated $78.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 45.9% from the prior year.

Cash & Debt

$103.7M

YoY-8.9%

5Y CAGR-12.5%

10Y CAGR+0.6%

Washington Tr Bancorp Inc held $103.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.24

YoY+0.0%

5Y CAGR+1.8%

10Y CAGR+5.1%

Washington Tr Bancorp Inc paid $2.24 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

19M

YoY-1.2%

5Y CAGR+2.0%

10Y CAGR+1.1%

Washington Tr Bancorp Inc had 19M shares outstanding in fiscal year 2025. This represents a decrease of 1.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.8%

YoY+50.7pp

5Y CAGR-8.0pp

10Y CAGR-11.8pp

Washington Tr Bancorp Inc's net profit margin was 22.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 50.7 percentage points from the prior year.

Return on Equity

9.6%

YoY+15.2pp

5Y CAGR-3.5pp

10Y CAGR-2.0pp

Washington Tr Bancorp Inc's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 15.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$7.4M

5Y CAGR+11.2%

Washington Tr Bancorp Inc spent $7.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$2.0M

YoY-49.9%

5Y CAGR-10.1%

10Y CAGR-9.6%

Washington Tr Bancorp Inc invested $2.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 49.9% from the prior year.

WASH Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$229.0M+127.6%	$100.7M-47.9%	$193.2M-11.6%	$218.6M-4.5%	$228.8M+0.9%	$226.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$164.9M-22.3%	$212.2M+23.7%	$171.6M+345.9%	$38.5M+132.3%	$16.6M-61.0%	$42.5M
Income Tax	$15.2M+241.0%	-$10.8M-229.5%	$8.3M-57.4%	$19.5M-8.6%	$21.3M+10.3%	$19.3M
Net Income	$52.2M+286.2%	-$28.1M-158.2%	$48.2M-32.8%	$71.7M-6.8%	$76.9M+10.1%	$69.8M
EPS (Diluted)	$2.71+266.3%	$-1.63-157.8%	$2.82-31.4%	$4.11-6.4%	$4.39+9.7%	$4.00

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$59.3M+4.9%	$56.5M+4.1%	$54.3M-8.1%	$59.1M	N/A	$48.5M+0.6%	$48.2M-1.2%	$48.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$38.1M-9.6%	$42.1M+1.1%	$41.7M-3.2%	$43.0M	N/A	$55.3M+1.7%	$54.4M+1.5%	$53.6M
Income Tax	$4.7M+51.6%	$3.1M-20.3%	$3.9M+11.4%	$3.5M	N/A	$2.8M-5.7%	$3.0M+6.8%	$2.8M
Net Income	$16.0M+47.3%	$10.8M-18.1%	$13.2M+8.8%	$12.2M	N/A	$11.0M+1.5%	$10.8M-1.1%	$10.9M
EPS (Diluted)	N/A	$0.56-17.6%	$0.68+7.9%	$0.63	N/A	$0.64+1.6%	$0.63-1.6%	$0.64

WASH Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.6B-4.5%	$6.9B-3.8%	$7.2B+8.2%	$6.7B+13.8%	$5.9B+2.4%	$5.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$103.7M-8.9%	$113.9M+26.3%	$90.2M-23.8%	$118.4M-33.7%	$178.5M-11.8%	$202.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M
Total Liabilities	$6.1B-5.5%	$6.4B-4.4%	$6.7B+8.4%	$6.2B+17.4%	$5.3B+2.1%	$5.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$543.6M+8.8%	$499.7M+5.7%	$472.7M+4.2%	$453.7M-19.7%	$564.8M+5.7%	$534.2M
Retained Earnings	$442.7M+2.0%	$434.0M-13.5%	$501.9M+2.0%	$492.0M+7.4%	$458.3M+9.6%	$418.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.6B-1.4%	$6.7B-0.4%	$6.7B+2.4%	$6.6B-5.0%	$6.9B-3.0%	$7.1B-0.6%	$7.2B-0.9%	$7.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$103.7M-46.1%	$192.3M+14.7%	$167.7M+39.5%	$120.2M+5.6%	$113.9M-46.0%	$210.7M+96.0%	$107.5M+1.8%	$105.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M
Total Liabilities	$6.1B-1.7%	$6.2B-0.5%	$6.2B+2.5%	$6.1B-5.7%	$6.4B-3.1%	$6.6B-1.1%	$6.7B-1.0%	$6.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$543.6M+2.0%	$533.0M+1.0%	$527.5M+1.1%	$521.7M+4.4%	$499.7M-0.5%	$502.2M+6.6%	$471.0M+0.9%	$466.9M
Retained Earnings	$442.7M+1.2%	$437.5M0.0%	$437.5M+0.5%	$435.2M+0.3%	$434.0M-14.2%	$505.7M+0.3%	$504.4M+0.2%	$503.2M

WASH Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$80.3M+39.3%	$57.7M+82.5%	$31.6M-72.0%	$113.0M+12.1%	$100.8M+176.4%	$36.5M
Capital Expenditures	$2.0M-49.9%	$4.0M-20.7%	$5.0M-17.8%	$6.1M+75.9%	$3.5M+2.5%	$3.4M
Free Cash Flow	$78.3M+45.9%	$53.7M+102.1%	$26.6M-75.2%	$106.9M+9.8%	$97.3M+194.3%	$33.1M
Investing Cash Flow	$305.4M+32.0%	$231.3M+142.0%	-$550.8M+44.9%	-$999.0M-314.7%	-$240.9M+8.8%	-$264.2M
Financing Cash Flow	-$395.9M-49.2%	-$265.3M-154.0%	$491.0M-40.6%	$826.0M+610.1%	$116.3M-60.1%	$291.6M
Dividends Paid	$43.3M+12.8%	$38.4M-0.6%	$38.6M+2.6%	$37.6M+3.6%	$36.3M+2.4%	$35.5M
Share Buybacks	$7.4M	$0-100.0%	$8.8M-7.0%	$9.5M	$0-100.0%	$4.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$20.9M-47.3%	$39.6M+249.3%	$11.3M+34.2%	$8.4M-55.1%	$18.8M-26.8%	$25.7M+130.0%	$11.2M+474.0%	$1.9M
Capital Expenditures	$1.2M+240.7%	$344K-14.2%	$401K+355.7%	$88K-81.7%	$482K-62.1%	$1.3M-21.4%	$1.6M+158.8%	$626K
Free Cash Flow	$19.7M-49.8%	$39.3M+259.0%	$10.9M+30.8%	$8.4M-54.4%	$18.3M-25.0%	$24.4M+155.7%	$9.6M+623.2%	$1.3M
Investing Cash Flow	$19.8M-43.0%	$34.7M+132.1%	-$108.0M-130.1%	$359.0M+562.1%	$54.2M-61.6%	$141.3M+126.0%	$62.5M+334.0%	-$26.7M
Financing Cash Flow	-$129.3M-160.0%	-$49.7M-134.5%	$144.1M+139.9%	-$361.1M-112.5%	-$169.9M-166.3%	-$63.8M+11.1%	-$71.7M-278.6%	$40.2M
Dividends Paid	$10.7M-0.9%	$10.8M-1.5%	$11.0M+1.7%	$10.8M+13.0%	$9.6M0.0%	$9.6M-1.7%	$9.7M+1.9%	$9.5M
Share Buybacks	$629K-90.2%	$6.4M	N/A	N/A	$0	$0	$0	$0

WASH Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.8%+50.7pp	-27.9%-52.8pp	24.9%-7.9pp	32.8%-0.8pp	33.6%+2.8pp	30.8%
Return on Equity	9.6%+15.2pp	-5.6%-15.8pp	10.2%-5.6pp	15.8%+2.2pp	13.6%+0.5pp	13.1%
Return on Assets	0.8%+1.2pp	-0.4%-1.1pp	0.7%-0.4pp	1.1%-0.2pp	1.3%+0.1pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.18-1.7	12.87-1.4	14.24+0.6	13.68+4.3	9.36-0.3	9.69
FCF Margin	34.2%-19.1pp	53.3%+39.6pp	13.7%-35.2pp	48.9%+6.4pp	42.5%+27.9pp	14.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	27.0%+7.8pp	19.2%-5.2pp	24.4%+3.8pp	20.6%	N/A	22.6%+0.2pp	22.4%+0.0pp	22.4%
Return on Equity	2.9%+0.9pp	2.0%-0.5pp	2.5%+0.2pp	2.3%	N/A	2.2%-0.1pp	2.3%-0.0pp	2.3%
Return on Assets	0.2%+0.1pp	0.2%-0.0pp	0.2%+0.0pp	0.2%	N/A	0.1%0.0pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.18-0.4	11.60-0.2	11.79+0.2	11.62-1.2	12.87-0.4	13.22-1.0	14.25-0.3	14.53
FCF Margin	33.3%-36.3pp	69.5%+49.4pp	20.2%+6.0pp	14.2%	N/A	50.4%+30.6pp	19.8%+17.1pp	2.7%

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Frequently Asked Questions

What is Washington Tr Bancorp Inc's annual revenue?

Washington Tr Bancorp Inc (WASH) reported $229.0M in total revenue for fiscal year 2025. This represents a 127.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Washington Tr Bancorp Inc's revenue growing?

Washington Tr Bancorp Inc (WASH) revenue grew by 127.6% year-over-year, from $100.7M to $229.0M in fiscal year 2025.

Is Washington Tr Bancorp Inc profitable?

Yes, Washington Tr Bancorp Inc (WASH) reported a net income of $52.2M in fiscal year 2025, with a net profit margin of 22.8%.

What is Washington Tr Bancorp Inc's net profit margin?

Washington Tr Bancorp Inc (WASH) had a net profit margin of 22.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Washington Tr Bancorp Inc pay dividends?

Yes, Washington Tr Bancorp Inc (WASH) paid $2.24 per share in dividends during fiscal year 2025.

What is Washington Tr Bancorp Inc's return on equity (ROE)?

Washington Tr Bancorp Inc (WASH) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Washington Tr Bancorp Inc's free cash flow?

Washington Tr Bancorp Inc (WASH) generated $78.3M in free cash flow during fiscal year 2025. This represents a 45.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Washington Tr Bancorp Inc's operating cash flow?

Washington Tr Bancorp Inc (WASH) generated $80.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Washington Tr Bancorp Inc's total assets?

Washington Tr Bancorp Inc (WASH) had $6.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Washington Tr Bancorp Inc's capital expenditures?

Washington Tr Bancorp Inc (WASH) invested $2.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Washington Tr Bancorp Inc buy back shares?

Yes, Washington Tr Bancorp Inc (WASH) spent $7.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Washington Tr Bancorp Inc have outstanding?

Washington Tr Bancorp Inc (WASH) had 19M shares outstanding as of fiscal year 2025.

What is Washington Tr Bancorp Inc's debt-to-equity ratio?

Washington Tr Bancorp Inc (WASH) had a debt-to-equity ratio of 11.18 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Washington Tr Bancorp Inc's return on assets (ROA)?

Washington Tr Bancorp Inc (WASH) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Washington Tr Bancorp Inc's Piotroski F-Score?

Washington Tr Bancorp Inc (WASH) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Washington Tr Bancorp Inc's earnings high quality?

Washington Tr Bancorp Inc (WASH) has an earnings quality ratio of 1.54x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Washington Tr Bancorp Inc?

Washington Tr Bancorp Inc (WASH) scores 58 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.