| Company Name: | Washington Banking Company | | Ticker Symbol: | WBCO | | | WWW Address: | www.wibank.com | | CEO: | John L. Wagner | | No. of Employees: | 258 | | Common Issue Type: | CS | | Business Description: | A holding company for Whidbey Island Bank, which provides community commercial banking products and services in northwestern Washington.
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| | | Industry Information: | BANKING - Regional - Pacific Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 9.74 |  0.44 | 9.69 | 9.75 | 9.0 | 9.50 | 9.04 | 313706 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 92.5 | 9.5 | 0.91 | 0.88 | 0.26 | 17.5 | 1.1 | 10.28 - 6.01 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 9.30 | $ | | PE Ratio - LTM | 17.5 | |
| Market Capitalisation | 88.8 | mil |
| Latest Shares Outstanding | 9.5 | mil |
| Earnings pS (EPS) | 0.88 | $ |
| Dividend pS (DPS) | 0.26 | ¢ |
| Dividend Yield | 1.1 | % |
| Dividend Payout Ratio | 29 | % |
| Revenue per Employee | 254,527 | $ |
| Effective Tax Rate | 32.0 | % |
| Float | 9.2 | mil |
| Float as % of Shares Outstanding | 95.9 | % |
| 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 | 41.2 | % |
| Pre-Tax Profit Margin | 14.2 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.6 | % |
| Return on Equity (ROE) | 7.3 | % |
| Return on Capital Invested (ROCI) | 4.2 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 11.3 | |
| Interest Cover | 1.6 | |
| Total Debt/Equity (Gearing Ratio) | 0.42 | |
| LT Debt/Total Capital | 25.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 8.87 | $ |
| Tangible Book-Value pS | 8.87 | $ |
| Cash Flow pS | 0.52 | $ |
| Free Cash Flow pS | 1.02 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.05 | |
| Price/Tangible Book Ratio | 1.05 | |
| Price/Cash Flow | 17.9 | |
| Price/Free Cash Flow | 9.1 | |
| 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 | 10/22/2009 |
| Dividend Ex-Date | 10/29/2009 |
| Dividend Record Date | 11/02/2009 |
| Dividend Pay Date | 11/18/2009 |
| Dividend Amount | 25 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.10 |
| Current Dividend Yield | 1.1 |
| 5-Y Average Dividend Yield | 1.6 |
| Payout Ratio | 29.0 |
| 5-Y Average Payout Ratio | 23.0 |
|  | | 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 | - | - | - | 3.9 | 103 | 93 | 139 |
| 4 Weeks | 9.77 | 8.73 | 9.42 | -1.3 | 92 | 93 | 1,495 |
| 13 Weeks | 10.00 | 8.73 | 9.80 | -5.1 | 88 | 119 | 7,113 |
| 26 Weeks | 10.28 | 8.11 | 8.75 | 6.3 | 88 | 188 | 23,351 |
| 52 Weeks | 10.28 | 6.01 | 8.40 | 10.7 | 90 | 175 | 43,460 |
| YTD | 10.28 | 6.01 | - | 6.9 | 87 | 142 | 32,081 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 9.12 | 9.10 | 9.37 | 9.32 | 8.71 | 0.91 | 0.88 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 7.67 | 68.9 | 0.44 |
| Income | -0.66 | 0.2 | -15.46 |
| Dividend | 8.26 | 74.2 | 5.16 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.91 | NA | -11.72 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -6.9 | -4.4 | -6.0 |
| Earnings % | -32.8 | -12.1 | -11.3 |
| EPS % | -50.0 | -35.0 | -11.1 |
| EPS $ | -0.35 | -0.07 | -0.11 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 21.33 |
| Free Cash Flow Margin 5YEAR AVG | 19.73 |
| Cash-Flow pS | 1.58 |
| Free Cash-Flow pS | 1.32 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 11.17 |
| Debt Ratio | 91.05 |
| Total Debt/Equity (Gearing Ratio) | 0.84 |
| LT Debt/Equity | 0.84 |
| LT Debt/Capital Invested | 45.56 |
| LT Debt/Total Liabilities | 8.23 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.34 |
| Tobin's Q Ratio | 0.10 |
| Current P/E Ratio - LTM | 17.50 |
| Enterprise Value (EV)/EBITDA | 0.03 |
| Enterprise Value (EV)/Free Cash Flow | 3.47 |
| Dividend Yield | 1.1 |
| Price/Tangible Book Ratio - LTM | 1.05 |
| Price/Book Ratio - LTM | 1.05 |
| Price/Cash Flow Ratio | 17.9 |
| Price/Free Cash Flow Ratio - LTM | 9.1 |
| P/E Ratio (1 month ago) - LTM | 18.2 |
| P/E Ratio (26 weeks ago) - LTM | 11.5 |
| P/E Ratio (52 weeks ago) - LTM | 9.3 |
| 5-Y High P/E Ratio | 21.2 |
| 5-Y Low P/E Ratio | 6.4 |
| 5-Y Average P/E Ratio | 14.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 119 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 14.8 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 8.87 |
| Book Value pS - LTM | 8.87 |
| Capital Invested pS | 15.50 |
| Cash Flow pS - LTM | 0.52 |
| Free Cash Flow pS - LTM | 1.02 |
| Earnings pS (EPS) | 0.88 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 10.34 |
| Return on Equity (ROE) - 5YEAR AVRG. | 13.1 |
| Return on Capital Invested (ROCI) | 5.63 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 8.1 |
| Return on Assets (ROA) | 0.93 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.1 |
| EBIT Margin - LTM | 39.4 |
| EBITDA Margin - LTM | 41.2 |
| Pre-Tax Profit Margin | 35.31 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 36.67 |
| Net Profit Margin | 21.96 |
| Net Profit Margin - 5YEAR AVRG. | 24.23 |
| Effective Tax Rate | 29.32 |
| Effective Tax Rate - 5YEAR AVRG. | 30.81 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 241,155 |
| Net Income per Employee - LTM | 23,829 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,242.36 |
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