| Company Name: | Wainwright Bank & Trust Company | | Ticker Symbol: | WAIN | | | WWW Address: | www.wainwrightbank.com | | CEO: | Jan A. Miller | | No. of Employees: | 158 | | Common Issue Type: | CS | | Business Description: | The Company performs commercial banking operations, mortgage banking and other related financial activities.
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| | | Industry Information: | BANKING - Regional - Northeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 6.305 |  -0.445 | 0.01 | 10.9 | 6.85 | 6.50 | 6.25 | 6908 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 46.1 | 7.3 | 0.18 | 0.40 | 0.32 | 15.4 | 5.1 | 9.48 - 5.19 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 6.31 | $ | | PE Ratio - LTM | 15.4 | |
| Market Capitalisation | 46.1 | mil |
| Latest Shares Outstanding | 7.3 | mil |
| Earnings pS (EPS) | 0.40 | $ |
| Dividend pS (DPS) | 0.32 | ¢ |
| Dividend Yield | 5.1 | % |
| Dividend Payout Ratio | 80 | % |
| Revenue per Employee | 355,892 | $ |
| Effective Tax Rate | 4.1 | % |
| Float | 0.0 | mil |
| Float as % of Shares Outstanding | 0.0 | % |
| 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 | 48.4 | % |
| Pre-Tax Profit Margin | 5.6 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.3 | % |
| Return on Equity (ROE) | 4.2 | % |
| Return on Capital Invested (ROCI) | 3.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 14.7 | |
| Interest Cover | 1.1 | |
| Total Debt/Equity (Gearing Ratio) | 0.07 | |
| LT Debt/Total Capital | 5.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 9.44 | $ |
| Tangible Book-Value pS | 9.44 | $ |
| Cash Flow pS | 0.42 | $ |
| Free Cash Flow pS | 0.56 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.67 | |
| Price/Tangible Book Ratio | 0.67 | |
| Price/Cash Flow | 15.0 | |
| Price/Free Cash Flow | 11.3 | |
| 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 | 08/19/2009 |
| Dividend Ex-Date | 08/26/2009 |
| Dividend Record Date | 08/30/2009 |
| Dividend Pay Date | 09/13/2009 |
| Dividend Amount | 80 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.32 |
| Current Dividend Yield | 5.1 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 80.0 |
| 5-Y Average Payout Ratio | 41.0 |
|  | | 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 | - | - | - | -7.1 | 92 | 17 | 87 |
| 4 Weeks | 6.90 | 6.16 | 6.59 | -4.3 | 90 | 14 | 242 |
| 13 Weeks | 8.00 | 5.70 | 7.84 | -19.6 | 75 | 25 | 1,506 |
| 26 Weeks | 8.74 | 5.70 | 7.90 | -20.2 | 66 | 27 | 3,371 |
| 52 Weeks | 9.48 | 5.19 | 6.48 | -2.7 | 79 | 32 | 7,993 |
| YTD | 9.48 | 5.19 | - | 6.5 | 87 | 32 | 7,375 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 6.68 | 6.70 | 6.65 | 7.47 | 7.26 | 0.18 | 0.18 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 9.22 | 89.0 | 4.35 |
| Income | -10.04 | 46.9 | -20.62 |
| Dividend | 16.03 | 91.5 | 8.94 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -1.62 | NA | -3.76 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 2.1 | 4.4 | -1.2 |
| Earnings % | -39.5 | -9.8 | -50.2 |
| EPS % | 3.6 | 0.0 | -43.7 |
| EPS $ | 0.01 | 0.00 | -0.31 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 0.00 |
| Free Cash Flow Margin 5YEAR AVG | 8.09 |
| Cash-Flow pS | 0.00 |
| Free Cash-Flow pS | 0.00 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 12.07 |
| Debt Ratio | 91.71 |
| Total Debt/Equity (Gearing Ratio) | 0.05 |
| LT Debt/Equity | 0.05 |
| LT Debt/Capital Invested | 5.16 |
| LT Debt/Total Liabilities | 0.49 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.07 |
| Tobin's Q Ratio | 0.05 |
| Current P/E Ratio - LTM | 15.40 |
| Enterprise Value (EV)/EBITDA | 0.01 |
| Enterprise Value (EV)/Free Cash Flow | 0.00 |
| Dividend Yield | 5.1 |
| Price/Tangible Book Ratio - LTM | 0.67 |
| Price/Book Ratio - LTM | 0.67 |
| Price/Cash Flow Ratio | 15.0 |
| Price/Free Cash Flow Ratio - LTM | 11.3 |
| P/E Ratio (1 month ago) - LTM | 17.1 |
| P/E Ratio (26 weeks ago) - LTM | 19.8 |
| P/E Ratio (52 weeks ago) - LTM | 11.4 |
| 5-Y High P/E Ratio | 34.0 |
| 5-Y Low P/E Ratio | 10.7 |
| 5-Y Average P/E Ratio | 14.5 |
| Current P/E Ratio as % of 5-Y Average P/E | 106 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 7.6 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 9.44 |
| Book Value pS - LTM | 9.44 |
| Capital Invested pS | 12.62 |
| Cash Flow pS - LTM | 0.42 |
| Free Cash Flow pS - LTM | 0.56 |
| Earnings pS (EPS) | 0.40 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 4.60 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.8 |
| Return on Capital Invested (ROCI) | 3.26 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.2 |
| Return on Assets (ROA) | 0.28 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.7 |
| EBIT Margin - LTM | 43.2 |
| EBITDA Margin - LTM | 48.4 |
| Pre-Tax Profit Margin | 18.45 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 29.86 |
| Net Profit Margin | 10.33 |
| Net Profit Margin - 5YEAR AVRG. | 22.22 |
| Effective Tax Rate | 2.40 |
| Effective Tax Rate - 5YEAR AVRG. | 21.39 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 359,563 |
| Net Income per Employee - LTM | 18,430 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,289.76 |
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