| Company Name: | WSB Holdings, Incorporated | | Ticker Symbol: | WSB | | | WWW Address: | www.twsb.com | | CEO: | Phillip C. Bowman | | No. of Employees: | 104 | | Common Issue Type: | CS | | Business Description: | A holding company for The Washington Savings Bank F.S.B. that provides various banking and financial services in the Washington D.C., Baltimore, northern Virginia, and surrounding metropolitan areas in the United States.
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| | | Industry Information: | BANKING - Savings & Loans [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 2.5001 |  0.0001 | 2.5 | 2.8 | 2.5 | 2.50 | 2.50 | 1954 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 19.6 | 7.8 | 0.61 | 0.03 | 0.26 | 0.0 | 3.2 | 4.94 - 1.65 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 2.50 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 19.6 | mil |
| Latest Shares Outstanding | 7.8 | mil |
| Earnings pS (EPS) | 0.03 | $ |
| Dividend pS (DPS) | 0.26 | ¢ |
| Dividend Yield | 3.2 | % |
| Dividend Payout Ratio | 867 | % |
| Revenue per Employee | 290,640 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 4.3 | mil |
| Float as % of Shares Outstanding | 55.3 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 17.7 | % |
| Pre-Tax Profit Margin | -35.4 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -1.3 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -3.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 8.4 | |
| Interest Cover | 0.3 | |
| Total Debt/Equity (Gearing Ratio) | 2.52 | |
| LT Debt/Total Capital | 72.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 6.77 | $ |
| Tangible Book-Value pS | 6.77 | $ |
| Cash Flow pS | -0.71 | $ |
| Free Cash Flow pS | -0.49 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.37 | |
| Price/Tangible Book Ratio | 0.37 | |
| Price/Cash Flow | -3.5 | |
| Price/Free Cash Flow | -5.1 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/26/2009 |
| Dividend Ex-Date | 10/28/2009 |
| Dividend Record Date | 11/01/2009 |
| Dividend Pay Date | 11/11/2009 |
| Dividend Amount | 20 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.08 |
| Current Dividend Yield | 3.2 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 867.0 |
| 5-Y Average Payout Ratio | 188.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.8 | 99 | 24 | 23 |
| 4 Weeks | 2.59 | 2.00 | 2.20 | 13.6 | 106 | 39 | 669 |
| 13 Weeks | 3.28 | 1.70 | 2.29 | 9.2 | 102 | 24 | 1,451 |
| 26 Weeks | 3.28 | 1.70 | 2.60 | -3.8 | 80 | 24 | 2,949 |
| 52 Weeks | 4.94 | 1.65 | 3.22 | -22.4 | 63 | 25 | 6,249 |
| YTD | 4.00 | 1.65 | - | -16.1 | 68 | 25 | 5,740 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 2.51 | 2.43 | 2.37 | 2.43 | 2.47 | 0.61 | 0.59 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -8.15 | 66.1 | -9.75 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | -15.06 | NA | -31.74 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -13.5 | -18.8 | -4.0 |
| Earnings % | 0.0 | 0.0 | -91.7 |
| EPS % | 0.0 | 0.0 | -91.4 |
| EPS $ | -0.74 | -0.41 | -0.32 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 9.38 |
| Free Cash Flow Margin 5YEAR AVG | 71.80 |
| Cash-Flow pS | 0.57 |
| Free Cash-Flow pS | 0.32 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 8.47 |
| Debt Ratio | 88.19 |
| Total Debt/Equity (Gearing Ratio) | 2.74 |
| LT Debt/Equity | 2.74 |
| LT Debt/Capital Invested | 73.26 |
| LT Debt/Total Liabilities | 36.70 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.04 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | 0.04 |
| Enterprise Value (EV)/Free Cash Flow | 6.31 |
| Dividend Yield | 3.2 |
| Price/Tangible Book Ratio - LTM | 0.37 |
| Price/Book Ratio - LTM | 0.37 |
| Price/Cash Flow Ratio | -3.5 |
| Price/Free Cash Flow Ratio - LTM | -5.1 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 0.0 |
| 5-Y High P/E Ratio | 208.3 |
| 5-Y Low P/E Ratio | 7.7 |
| 5-Y Average P/E Ratio | 30.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 6.77 |
| Book Value pS - LTM | 6.77 |
| Capital Invested pS | 25.58 |
| Cash Flow pS - LTM | -0.71 |
| Free Cash Flow pS - LTM | -0.49 |
| Earnings pS (EPS) | 0.03 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 0.44 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.9 |
| Return on Capital Invested (ROCI) | 0.12 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.5 |
| Return on Assets (ROA) | 0.05 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.0 |
| EBIT Margin - LTM | 17.7 |
| EBITDA Margin - LTM | 17.7 |
| Pre-Tax Profit Margin | -1.54 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 38.74 |
| Net Profit Margin | 2.04 |
| Net Profit Margin - 5YEAR AVRG. | 25.09 |
| Effective Tax Rate | 233.05 |
| Effective Tax Rate - 5YEAR AVRG. | 75.55 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 260,798 |
| Net Income per Employee - LTM | -53,826 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,841.12 |
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