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

Washington Trust 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 Trust Bancorp Inc (WASH) Financials

WASH

Trailing 12 months to June 30, 2026

Revenue $234.0M YoY not available

Net Income $55.4M YoY not available

EPS (Diluted) $2.88 +281.1% YoY

Free Cash Flow $95.9M +54.4% YoY

Market Cap $712.4M as of Oct 9, 2026

Price / Sales 3.0x on $234.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.9x on $55.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $553.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WASH SEC filings page.

Washington Trust Bancorp Inc (WASH) reported $234.0M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI WASH FY2025 2026-10-03

Washington Trust’s results show a bank recovering earnings, reducing leverage, and producing more operating cash than reported net income.

In FY2024, the bank reported a net loss of $28.1M despite operating cash flow of $57.7M. In FY2025, operating cash flow of $80.3M exceeded net income of $52.2M, indicating that reported earnings were more affected by non-cash or balance-sheet items than cash movement; for a bank, cash-flow lines can also reflect funding and asset changes.

Revenue rebounded from $100.7M in FY2024 to $229.0M in FY2025, showing that the prior-year earnings disruption was not sustained. The rebound restored profitability, but net margin reached 22.8%, below FY2023’s 24.9%, so profitability recovered without fully restoring prior efficiency.

Assets fell from $7.2B in FY2023 to $6.6B in FY2025, indicating a smaller balance sheet rather than growth funded by expanding assets. Debt-to-equity declined from 14.2x to 11.2x, which signals reduced leverage while the bank remained structurally liability-heavy.

Financial Health Signals

Financial Health Score 30/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Washington Trust Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Washington Trust Bancorp Inc earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.4% the prior year. Earnings ranks banks on that return over three years, and Washington Trust Bancorp Inc scores 24/100 among other banks.

Growth

Washington Trust Bancorp Inc reported revenue of $229.0M in fiscal year 2025, against $100.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Washington Trust Bancorp Inc scores 55/100 among other banks.

Capital

Washington Trust Bancorp Inc funded 8.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $543.6M of equity against $6.6B of assets. Capital ranks banks on that cushion, and Washington Trust Bancorp Inc scores 11/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Washington Trust Bancorp Inc scores 11/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Washington Trust Bancorp Inc scores 53/100 on it among other banks.

Stability

Washington Trust Bancorp Inc reported net income of $52.2M in fiscal year 2025, against a loss of $28.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Washington Trust Bancorp Inc scores 23/100 among other banks.

Piotroski F-Score Partial

6/6

Washington Trust Bancorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.54x

For every $1 of reported earnings, Washington Trust 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

$60.5M

YoY+11.4%

QoQ+4.6%

Washington Trust Bancorp Inc generated $60.5M in revenue in Q2 2026. This represents an increase of 11.4% from the same quarter a year earlier. Against the prior quarter it is up 4.6%.

Net Income

$16.0M

YoY+20.7%

QoQ+26.8%

Washington Trust Bancorp Inc reported $16.0M in net income in Q2 2026. This represents an increase of 20.7% from the same quarter a year earlier. Against the prior quarter it is up 26.8%.

EPS (Diluted)

$0.83

YoY+22.1%

QoQ+25.8%

5Y CAGR-3.7%

10Y CAGR+2.6%

Washington Trust Bancorp Inc earned $0.83 per diluted share (EPS) in Q2 2026. This represents an increase of 22.1% from the same quarter a year earlier. Against the prior quarter it is up 25.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$22.0M

YoY+101.3%

QoQ+48.5%

5Y CAGR-18.7%

Washington Trust Bancorp Inc generated $22.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 101.3% from the same quarter a year earlier. Against the prior quarter it is up 48.5%.

Cash & Debt

$127.4M

YoY-24.0%

QoQ+27.2%

5Y CAGR-0.7%

10Y CAGR+0.6%

Washington Trust Bancorp Inc held $127.4M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.56

YoY0.0%

QoQ0.0%

5Y CAGR+1.5%

10Y CAGR+4.5%

Washington Trust Bancorp Inc paid $0.56 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

19M

YoY-0.4%

QoQ0.0%

5Y CAGR+1.9%

10Y CAGR+1.1%

Washington Trust Bancorp Inc had 19M shares outstanding in Q2 2026. This represents a decrease of 0.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

26.4%

YoY+2.0pp

QoQ+4.6pp

Washington Trust Bancorp Inc's net profit margin was 26.4% in Q2 2026, showing the share of revenue converted to profit. This is up 2.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.6 percentage points.

Return on Equity

2.9%

YoY+0.4pp

QoQ+0.6pp

Washington Trust Bancorp Inc's ROE was 2.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$1.1M

YoY+170.6%

QoQ-16.9%

5Y CAGR+3.4%

10Y CAGR+5.4%

Washington Trust Bancorp Inc invested $1.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 170.6% from the same quarter a year earlier. Against the prior quarter it is down 16.9%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

WASH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WASH quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$234.0M	$229.0M+127.6%	$100.7M-47.9%	$193.2M-11.6%	$218.6M-4.5%	$228.8M+0.9%	$226.9M+13.2%	$200.5M+3.1%	$194.4M+5.5%	$184.3M+5.0%	$175.6M+8.2%	$162.3M+2.4%	$158.5M+3.0%	$153.9M-1.3%	$155.9M+13.2%	$137.7M
SG&A Expenses	$96.0M	$91.8M+6.4%	$86.3M+4.6%	$82.5M-1.6%	$83.8M-4.0%	$87.3M+5.3%	$82.9M+13.9%	$72.8M+5.0%	$69.3M+0.6%	$68.9M+1.6%	$67.8M+7.6%	$63.0M+7.7%	$58.5M-2.5%	$60.1M+0.4%	$59.8M+17.0%	$51.1M
Interest Expense	$148.0M	$164.9M-22.3%	$212.2M+23.7%	$171.6M+345.9%	$38.5M+132.3%	$16.6M-61.0%	$42.5M-33.9%	$64.2M+45.6%	$44.1M+46.8%	$30.1M+30.7%	$23.0M+5.6%	$21.8M+0.7%	$21.6M-12.0%	$24.6M-19.1%	$30.4M-16.6%	$36.4M
Income Tax	$15.5M	$15.2M+241.0%	-$10.8M-229.5%	$8.3M-57.4%	$19.5M-8.6%	$21.3M+10.3%	$19.3M+1.4%	$19.1M+4.4%	$18.3M-42.4%	$31.7M+41.8%	$22.4M+7.2%	$20.9M+9.9%	$19.0M+15.0%	$16.5M+4.6%	$15.8M+22.3%	$12.9M
Net Income	$55.4M	$52.2M+286.2%	-$28.1M-158.2%	$48.2M-32.8%	$71.7M-6.8%	$76.9M+10.1%	$69.8M+1.0%	$69.1M+1.0%	$68.4M+49.0%	$45.9M-1.2%	$46.5M+6.9%	$43.5M+6.5%	$40.8M+12.9%	$36.2M+3.1%	$35.1M+18.0%	$29.7M
EPS (Basic)	N/A	$2.72+266.9%	-$1.63-157.8%	$2.82-31.9%	$4.14-6.5%	$4.43+9.9%	$4.03+1.3%	$3.98+0.8%	$3.95+48.5%	$2.66-2.2%	$2.72+5.8%	$2.57+5.3%	$2.44+11.9%	$2.18+2.3%	$2.13+17.0%	$1.82
EPS (Diluted)	$2.88	$2.71+266.3%	-$1.63-157.8%	$2.82-31.4%	$4.11-6.4%	$4.39+9.7%	$4.00+1.0%	$3.96+0.8%	$3.93+48.9%	$2.64-2.2%	$2.70+6.3%	$2.54+5.4%	$2.41+11.6%	$2.16+1.4%	$2.13+17.0%	$1.82
Diluted Shares (Avg)	N/A	19M+12.4%	17M+0.5%	17M-1.8%	17M-0.4%	17M+0.3%	17M-0.1%	17M+0.1%	17M+0.3%	17M+0.8%	17M+0.8%	17M+1.2%	17M+1.2%	17M+1.6%	16M+0.7%	16M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$60.5M+11.4%	$57.8M-2.1%	$59.3M	$56.5M+16.3%	$54.3M+12.5%	$59.1M+21.0%	N/A	$48.5M-0.9%
SG&A Expenses	$25.3M+9.9%	$24.3M+8.6%	$23.6M	$22.7M+6.2%	$23.0M+8.3%	$22.4M+3.0%	N/A	$21.4M-1.3%
Interest Expense	$33.4M-19.9%	$34.5M-19.9%	$38.1M	$42.1M-23.9%	$41.7M-23.4%	$43.0M-19.7%	N/A	$55.3M+17.8%
Income Tax	$4.3M+10.3%	$3.5M-0.8%	$4.7M	$3.1M+8.7%	$3.9M+28.7%	$3.5M+23.4%	N/A	$2.8M-2.6%
Net Income	$16.0M+20.7%	$12.6M+3.5%	$16.0M	$10.8M-1.2%	$13.2M+22.5%	$12.2M+11.4%	N/A	$11.0M-1.6%
EPS (Basic)	$0.84+21.7%	$0.66+4.8%	$0.83+123.4%	$0.57-10.9%	$0.69+9.5%	$0.63-1.6%	-$3.55-567.1%	$0.64-1.5%
EPS (Diluted)	$0.83+22.1%	$0.66+4.8%	$0.83+123.4%	$0.56-12.5%	$0.68+7.9%	$0.63-1.6%	-$3.54-565.8%	$0.64-1.5%
Diluted Shares (Avg)	19M-0.9%	19M-1.0%	N/A	19M+12.3%	19M+13.2%	19M+13.4%	N/A	17M+0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

WASH Balance Sheet

WASH quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.6B-4.5%	$6.9B-3.8%	$7.2B+8.2%	$6.7B+13.8%	$5.9B+2.4%	$5.7B+7.9%	$5.3B+5.6%	$5.0B+10.6%	$4.5B+3.4%	$4.4B+16.2%	$3.8B+5.2%	$3.6B+12.5%	$3.2B+3.8%	$3.1B+0.3%	$3.1B
Cash & Equivalents	$103.7M-8.9%	$113.9M+26.3%	$90.2M-23.8%	$118.4M-33.7%	$178.5M-11.8%	$202.3M+46.1%	$138.5M+48.1%	$93.5M+12.7%	$82.9M-23.1%	$107.8M+10.4%	$97.6M+21.5%	$80.3M-5.8%	$85.3M-7.9%	$92.7M+6.5%	$87.0M
Short-Term Investments	$12.9M+223.0%	$4.0M+18.7%	$3.4M+14.7%	$2.9M-9.4%	$3.2M-60.2%	$8.1M+29.8%	$6.3M+76.3%	$3.6M+15.7%	$3.1M+90.4%	$1.6M-63.4%	$4.4M+11.2%	$4.0M+17.3%	$3.4M-82.4%	$19.2M+301.0%	$4.8M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M-0.2%	$64.1M0.0%	$64.1M+10.2%	$58.1M0.0%	$58.1M0.0%	$58.1M0.0%	$58.1M
Total Liabilities	$6.1B-5.5%	$6.4B-4.4%	$6.7B+8.4%	$6.2B+17.4%	$5.3B+2.1%	$5.2B+8.1%	$4.8B+5.0%	$4.6B+10.8%	$4.1B+3.2%	$4.0B+17.5%	$3.4B+4.8%	$3.2B+13.3%	$2.9B+3.0%	$2.8B-0.2%	$2.8B
Total Equity	$543.6M+8.8%	$499.7M+5.7%	$472.7M+4.2%	$453.7M-19.7%	$564.8M+5.7%	$534.2M+6.1%	$503.5M+12.3%	$448.2M+8.4%	$413.3M+5.8%	$390.8M+4.1%	$375.4M+8.4%	$346.3M+5.0%	$329.6M+11.5%	$295.7M+5.1%	$281.4M
Retained Earnings	$442.7M+2.0%	$434.0M-13.5%	$501.9M+2.0%	$492.0M+7.4%	$458.3M+9.6%	$418.2M+7.1%	$390.4M+9.8%	$355.5M+11.9%	$317.8M+7.9%	$294.4M+7.8%	$273.1M+8.0%	$252.8M+8.7%	$232.6M+8.9%	$213.7M+10.0%	$194.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.5B-2.9%	$6.5B-1.9%	$6.6B-4.5%	$6.7B-5.9%	$6.7B-6.1%	$6.6B-9.1%	$6.9B-3.8%	$7.1B-0.6%
Cash & Equivalents	$127.4M-24.0%	$100.2M-16.7%	$103.7M-8.9%	$192.3M-8.7%	$167.7M+56.0%	$120.2M+13.9%	$113.9M+26.3%	$210.7M+86.5%
Short-Term Investments	$11.9M+186.7%	$12.3M+204.7%	$12.9M+223.0%	$12.8M+240.4%	$4.1M+13.4%	$4.0M+17.1%	$4.0M+18.7%	$3.8M+5.5%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%	$63.9M0.0%
Total Liabilities	$6.0B-3.6%	$5.9B-2.5%	$6.1B-5.5%	$6.2B-6.8%	$6.2B-7.4%	$6.1B-10.6%	$6.4B-4.4%	$6.6B-1.7%
Total Equity	$553.5M+4.9%	$546.8M+4.8%	$543.6M+8.8%	$533.0M+6.1%	$527.5M+12.0%	$521.7M+11.7%	$499.7M+5.7%	$502.2M+16.4%
Retained Earnings	$449.6M+2.8%	$444.5M+2.1%	$442.7M+2.0%	$437.5M-13.5%	$437.5M-13.3%	$435.2M-13.5%	$434.0M-13.5%	$505.7M+1.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

WASH Cash Flow Statement

WASH quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$99.8M	$80.3M+39.3%	$57.7M+82.5%	$31.6M-72.0%	$113.0M+12.1%	$100.8M+176.4%	$36.5M-50.3%	$73.4M-11.4%	$82.9M+39.6%	$59.4M-0.6%	$59.7M+14.3%	$52.3M+1873.6%	$2.6M-96.7%	$79.8M+1360.0%	$5.5M-85.3%	$37.2M
Depreciation & Amortization	N/A	$3.5M-12.2%	$3.9M-1.8%	$4.0M+15.6%	$3.5M-19.4%	$4.3M+5.2%	$4.1M-3.4%	$4.2M-0.6%	$4.3M-5.1%	$4.5M-9.0%	$4.9M+15.2%	$4.3M+13.4%	$3.8M-4.7%	$4.0M+0.6%	$3.9M-4.5%	$4.1M
Stock-Based Compensation	N/A	$3.0M+22.4%	$2.5M+19.8%	$2.1M-36.4%	$3.2M-2.1%	$3.3M-11.9%	$3.8M+20.6%	$3.1M+20.1%	$2.6M+1.0%	$2.6M+17.7%	$2.2M+5.6%	$2.1M+10.3%	$1.9M+0.2%	$1.9M-4.4%	$2.0M+40.7%	$1.4M
Capital Expenditures	$3.9M	$2.0M-49.9%	$4.0M-20.7%	$5.0M-17.8%	$6.1M+75.9%	$3.5M+2.5%	$3.4M+8.7%	$3.1M-21.2%	$4.0M+43.0%	$2.8M-10.7%	$3.1M-43.2%	$5.5M+4.8%	$5.2M+250.5%	$1.5M-70.8%	$5.1M+40.2%	$3.6M
Free Cash Flow	$95.9M	$78.3M+45.9%	$53.7M+102.1%	$26.6M-75.2%	$106.9M+9.8%	$97.3M+194.3%	$33.1M-53.0%	$70.3M-10.9%	$78.9M+39.4%	$56.6M-0.1%	$56.6M+21.1%	$46.8M+1914.6%	-$2.6M-103.3%	$78.3M+21839.8%	$357K-98.9%	$33.6M
Investing Cash Flow	$142.0M	$305.4M+32.0%	$231.3M+142.0%	-$550.8M+44.9%	-$999.0M-314.7%	-$240.9M+8.8%	-$264.2M-65.0%	-$160.1M+66.8%	-$481.8M-168.1%	-$179.7M+71.3%	-$625.4M-277.0%	-$165.9M+53.6%	-$357.4M-94.2%	-$184.1M-826.5%	$25.3M+116.0%	-$158.6M
Financing Cash Flow	-$282.1M	-$395.9M-49.2%	-$265.3M-154.0%	$491.0M-40.6%	$826.0M+610.1%	$116.3M-60.1%	$291.6M+121.5%	$131.7M-67.8%	$409.5M+329.0%	$95.4M-83.4%	$575.8M+339.9%	$130.9M-62.6%	$349.8M+260.9%	$96.9M+485.0%	-$25.2M-121.8%	$115.7M
Dividends Paid	$43.2M	$43.3M+12.8%	$38.4M-0.6%	$38.6M+2.6%	$37.6M+3.6%	$36.3M+2.4%	$35.5M+3.8%	$34.2M+16.6%	$29.3M+11.5%	$26.3M+6.8%	$24.6M+8.2%	$22.8M+15.5%	$19.7M+18.6%	$16.6M+9.9%	$15.1M+6.5%	$14.2M
Share Buybacks	N/A	$7.4M	$0-100.0%	$8.8M-7.0%	$9.5M	$0-100.0%	$4.3M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$23.1M+103.7%	$16.1M+90.9%	$20.9M+11.0%	$39.6M+54.0%	$11.3M+1.4%	$8.4M+333.8%	$18.8M+61.5%	$25.7M-13.9%
Depreciation & Amortization	$815K-7.0%	$807K-9.7%	$832K-13.2%	$852K-12.9%	$876K-12.0%	$894K-10.7%	$959K+163.5%	$978K-21.0%
Stock-Based Compensation	N/A	$651K-16.5%	N/A	N/A	N/A	$780K+3.6%	N/A	N/A
Capital Expenditures	$1.1M+170.6%	$1.3M+1384.1%	$1.2M+143.2%	$344K-73.0%	$401K-75.2%	$88K-85.9%	$482K-68.4%	$1.3M+152.6%
Free Cash Flow	$22.0M+101.3%	$14.8M+77.3%	$19.7M+7.6%	$39.3M+60.7%	$10.9M+14.4%	$8.4M+532.5%	$18.3M+81.1%	$24.4M-16.7%
Investing Cash Flow	-$58.9M+45.5%	$146.5M-59.2%	$19.8M-63.5%	$34.7M-75.4%	-$108.0M-272.8%	$359.0M+1443.9%	$54.2M+298.5%	$141.3M+165.2%
Financing Cash Flow	$63.0M-56.3%	-$166.2M+54.0%	-$129.3M+23.9%	-$49.7M+22.1%	$144.1M+300.9%	-$361.1M-998.9%	-$169.9M-2272.5%	-$63.8M-137.2%
Dividends Paid	$10.9M-0.4%	$10.7M-1.0%	$10.7M+12.2%	$10.8M+13.2%	$11.0M+12.9%	$10.8M+13.1%	$9.6M-0.1%	$9.6M+0.1%
Share Buybacks	N/A	N/A	$629K	$6.4M	N/A	N/A	$0-100.0%	$0

WASH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WASH quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	22.8%+50.7pp	-27.9%-52.8pp	24.9%-7.9pp	32.8%-0.8pp	33.6%+2.8pp	30.8%-3.7pp	34.5%-0.7pp	35.2%+10.3pp	24.9%-1.6pp	26.5%-0.3pp	26.8%+1.0pp	25.8%+2.3pp	23.5%+1.0pp	22.5%+0.9pp	21.6%
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%-0.7pp	13.7%-1.5pp	15.3%+4.2pp	11.1%-0.8pp	11.9%+0.3pp	11.6%-0.2pp	11.8%+0.8pp	11.0%-0.9pp	11.9%+1.3pp	10.6%
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%-0.1pp	1.3%-0.1pp	1.4%+0.4pp	1.0%-0.1pp	1.1%-0.1pp	1.1%0.0pp	1.1%0.0pp	1.1%0.0pp	1.1%+0.2pp	1.0%
Debt-to-Equity	11.18-1.7x	12.87-1.4x	14.24+0.6x	13.68+4.3x	9.36-0.3x	9.69+0.2x	9.51-0.7x	10.18+0.2x	9.96-0.2x	10.21+1.2x	9.05-0.3x	9.36+0.7x	8.67-0.7x	9.39-0.5x	9.89
Asset Turnover	0.030.0x	0.010.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.04
FCF Margin	34.2%-19.1pp	53.3%+39.6pp	13.7%-35.2pp	48.9%+6.4pp	42.5%+27.9pp	14.6%-20.5pp	35.1%-5.5pp	40.6%+9.9pp	30.7%-1.5pp	32.3%+3.4pp	28.8%+30.4pp	-1.6%-52.5pp	50.9%+50.7pp	0.2%-24.1pp	24.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	26.4%+2.0pp	21.8%+1.2pp	27.0%	19.2%-3.4pp	24.4%+2.0pp	20.6%-1.8pp	N/A	22.6%-0.2pp
Return on Equity	2.9%+0.4pp	2.3%0.0pp	2.9%	2.0%-0.2pp	2.5%+0.2pp	2.3%0.0pp	N/A	2.2%-0.4pp
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	N/A	0.1%0.0pp
Debt-to-Equity	10.83-1.0x	10.81-0.8x	11.18-1.7x	11.60-1.6x	11.79-2.5x	11.62-2.9x	12.87-1.4x	13.22-2.4x
Asset Turnover	0.010.0x	0.010.0x	0.01	0.010.0x	0.010.0x	0.010.0x	N/A	0.010.0x
FCF Margin	36.4%+16.3pp	25.6%+11.5pp	33.3%	69.5%+19.2pp	20.2%+0.3pp	14.2%+11.5pp	N/A	50.4%-9.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Washington Trust Bancorp Inc WASH	FY2025	$229.0M	$52.2M	22.8%	$712.4M	30/100
HarborOne Bancorp, Inc. HONE	FY2024	$172.6M	$27.4M	15.9%	$522.2M	30/100
Bar Harbor Bankshares BHB	FY2025	$168.9M	$36.9M	21.9%	$645.0M	47/100
Eagle Bancorp Inc EGBN	FY2025	$299.2M	-$138.1M	-46.1%	$854.5M	17/100
Shore Bancshares Inc SHBI	FY2025	$225.1M	$59.5M	26.4%	$749.5M	34/100
Independent Bank Corp. IBCP	FY2025	$225.7M	$68.5M	30.4%	$789.2M	48/100

Where Washington Trust Bancorp Inc Ranks

Frequently Asked Questions

What is Washington Trust Bancorp Inc's annual revenue?

Washington Trust 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 Trust Bancorp Inc's revenue growing?

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

Is Washington Trust Bancorp Inc profitable?

Yes, Washington Trust 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 Trust Bancorp Inc's net profit margin?

Washington Trust 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 Trust Bancorp Inc pay dividends?

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

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

Washington Trust 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 Trust Bancorp Inc's free cash flow?

Washington Trust 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 Trust Bancorp Inc's operating cash flow?

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

What are Washington Trust Bancorp Inc's total assets?

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

What are Washington Trust Bancorp Inc's capital expenditures?

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

Does Washington Trust Bancorp Inc buy back shares?

Yes, Washington Trust 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 Trust Bancorp Inc have outstanding?

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

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

Washington Trust 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 Trust Bancorp Inc's return on assets (ROA)?

Washington Trust 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 Trust Bancorp Inc's P/E ratio?

Washington Trust Bancorp Inc (WASH) trades at 12.9x earnings, its market capitalization divided by net income of $55.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $712.4M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Washington Trust Bancorp Inc's price-to-sales ratio?

Washington Trust Bancorp Inc (WASH) trades at 3.0x sales, its market capitalization divided by revenue of $234.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $712.4M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Washington Trust Bancorp Inc (WASH) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Washington Trust Bancorp Inc's earnings high quality?

Washington Trust 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 Trust Bancorp Inc?

Washington Trust Bancorp Inc (WASH) scores 30 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.