WBHC
Wilson Bank Holding Company175.00
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
2.12BP/E (TTM)
30.76Basic EPS (TTM)
5.69Dividend Yield
0.01%Recent Filings
8-K
10-Q
Q3 FY2025 results
Wilson Bank Holding Company posted solid Q3 FY2025 results, with net interest income climbing 20.7% year-over-year to $49.5M on 12.5% average earning asset growth, though the net interest margin edged up just 23 basis points to 3.62% amid softer loan yields. Earnings hit $17.9M, up 40.9% from last year, fueled by a lighter $1.4M provision for credit losses versus $3.6M prior, but noninterest income dipped 6.6% to $6.0M on securities sale losses from portfolio tweaks. Loans expanded 6.7% year-to-date to $4.4B, deposits rose 8.1% to $5.2B, bolstering liquidity to 12.1% of assets; the Cookeville branch buy in April added $14.1M loans and $25.3M deposits, recognizing $1.1M goodwill. Cash flow from operations topped $70.5M, no debt reliance. Yet nonperforming assets jumped to 0.67% on commercial real estate strains.
8-K
Strong Q3 growth reported
Wilson Bank Holding Company reported robust third-quarter growth, with assets climbing 11.1% to $5.837 billion and loans rising 9.5% to $4.369 billion from a year ago. Deposits swelled 10.9% to $5.221 billion, while shareholders' equity advanced 14.5% to $553.7 million. Earnings per diluted share jumped to $1.47 from $1.07. Industry disruptions favor their steady positioning.
10-Q
Q2 FY2025 results
Wilson Bank Holding Company posted solid Q2 FY2025 results, with net interest income up 27.3% y/y to $48.9M on 16.1% loan growth to $4.3B, while net earnings rose 18.5% y/y to $19.1M and diluted EPS held steady at $1.59. Gross margin expanded to 3.73% from 3.34% y/y, driven by higher yields on loans and securities, though provision for credit losses hit $2.5M amid economic softening and a branch acquisition adding $14.1M in loans. Noninterest income edged up 3.3% y/y to $8.9M on service charges, but expenses climbed 14.7% y/y to $30.3M from staffing and tech investments. Liquidity stays robust with $245M in cash equivalents and $570M FHLB capacity; the April Cookeville branch buy recognized $1.1M goodwill and $0.4M intangibles amortized over 10 years. Yet competition in Tennessee's hot markets could squeeze deposit pricing.
8-K
Auditor switch announced
Wilson Bank Holding Company switched auditors after Maggart & Associates' team joined RubinBrown LLP on June 2, 2025, prompting Maggart's resignation effective August 4, 2025. The company promptly engaged RubinBrown for the fiscal year ending December 31, 2025, with board approval and no disagreements or reportable events from prior audits. Clean transition. This ensures seamless compliance amid the firm's dissolution.
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