Wilson Bank Holding Company
Wilson Bank Holding Company operates as the bank holding company for Wilson Bank and Trust that provides various banking services to consumers, professionals, small businesses, and municipalities in Tennessee. It offers checking, savings, and money market deposit accounts, as well as certificates of deposit; loans for consumer, commercial, and real estate purposes. The company also provides inves… Read more
Wilson Bank Holding Company (WBHC) - Net Assets
Latest net assets as of September 2025: $553.73 Million USD
Based on the latest financial reports, Wilson Bank Holding Company (WBHC) has net assets worth $553.73 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.84 Billion) and total liabilities ($5.28 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $553.73 Million |
| % of Total Assets | 9.49% |
| Annual Growth Rate | 9.61% |
| 5-Year Change | 26.2% |
| 10-Year Change | 114.69% |
| Growth Volatility | 6.4 |
Wilson Bank Holding Company - Net Assets Trend (2003–2024)
This chart illustrates how Wilson Bank Holding Company's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Wilson Bank Holding Company (2003–2024)
The table below shows the annual net assets of Wilson Bank Holding Company from 2003 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $479.70 Million | +11.71% |
| 2023-12-31 | $429.40 Million | +19.13% |
| 2022-12-31 | $360.45 Million | -12.87% |
| 2021-12-31 | $413.72 Million | +8.84% |
| 2020-12-31 | $380.12 Million | +12.80% |
| 2019-12-31 | $336.98 Million | +13.97% |
| 2018-12-31 | $295.67 Million | +10.43% |
| 2017-12-31 | $267.73 Million | +9.45% |
| 2016-12-31 | $244.62 Million | +9.48% |
| 2015-12-31 | $223.44 Million | +11.22% |
| 2014-12-31 | $200.89 Million | +13.07% |
| 2013-12-31 | $177.67 Million | +4.70% |
| 2012-12-31 | $169.70 Million | +7.85% |
| 2011-12-31 | $157.35 Million | +9.02% |
| 2010-12-31 | $144.33 Million | +3.42% |
| 2009-12-31 | $139.56 Million | +8.08% |
| 2008-12-31 | $129.12 Million | +9.25% |
| 2007-12-31 | $118.19 Million | +11.32% |
| 2006-12-31 | $106.17 Million | +11.63% |
| 2005-12-31 | $95.11 Million | +21.13% |
| 2004-12-31 | $78.52 Million | +12.38% |
| 2003-12-31 | $69.87 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Wilson Bank Holding Company's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 818.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $393.24 Million | 82.01% |
| Common Stock | $23.75 Million | 4.95% |
| Other Comprehensive Income | $-88.23 Million | -18.40% |
| Other Components | $150.74 Million | 31.44% |
| Total Equity | $479.50 Million | 100.00% |
Wilson Bank Holding Company Competitors by Market Cap
The table below lists competitors of Wilson Bank Holding Company ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
DXC Technology Co
NYSE:DXC
|
$2.02 Billion |
|
Civitas Resources Inc
NYSE:CIVI
|
$2.02 Billion |
|
OneStream, Inc. Class A Common Stock
NASDAQ:OS
|
$2.02 Billion |
|
Harley-Davidson Inc
NYSE:HOG
|
$2.02 Billion |
|
Western Metal Materials Co Ltd
SHE:002149
|
$2.02 Billion |
|
Chimera Investment Corporation
NYSE:CIMO
|
$2.01 Billion |
|
Page Industries Limited
NSE:PAGEIND
|
$2.01 Billion |
|
Tonghua Golden-Horse Pharmaceutical Industry Co Ltd
SHE:000766
|
$2.01 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Wilson Bank Holding Company's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 429,336,000 to 479,500,000, a change of 50,164,000 (11.7%).
- Net income of 56,530,000 contributed positively to equity growth.
- Dividend payments of 20,552,000 reduced retained earnings.
- Share repurchases of 2,181,000 reduced equity.
- New share issuances of 14,732,000 increased equity.
- Other comprehensive income decreased equity by 68,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $56.53 Million | +11.79% |
| Dividends Paid | $20.55 Million | -4.29% |
| Share Repurchases | $2.18 Million | -0.45% |
| Share Issuances | $14.73 Million | +3.07% |
| Other Comprehensive Income | $-68.00K | -0.01% |
| Other Changes | $1.70 Million | +0.36% |
| Total Change | $- | 11.68% |
Book Value vs Market Value Analysis
This analysis compares Wilson Bank Holding Company's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 4.32x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 11.85x to 4.32x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $14.77 | $175.00 | x |
| 2004-12-31 | $16.26 | $175.00 | x |
| 2005-12-31 | $19.46 | $175.00 | x |
| 2006-12-31 | $15.59 | $175.00 | x |
| 2007-12-31 | $17.04 | $175.00 | x |
| 2008-12-31 | $18.38 | $175.00 | x |
| 2009-12-31 | $19.62 | $175.00 | x |
| 2010-12-31 | $20.03 | $175.00 | x |
| 2011-12-31 | $21.59 | $175.00 | x |
| 2012-12-31 | $23.06 | $175.00 | x |
| 2013-12-31 | $23.76 | $175.00 | x |
| 2014-12-31 | $19.95 | $175.00 | x |
| 2015-12-31 | $21.97 | $175.00 | x |
| 2016-12-31 | $23.79 | $175.00 | x |
| 2017-12-31 | $25.71 | $175.00 | x |
| 2018-12-31 | $27.97 | $175.00 | x |
| 2019-12-31 | $31.31 | $175.00 | x |
| 2020-12-31 | $34.70 | $175.00 | x |
| 2021-12-31 | $37.06 | $175.00 | x |
| 2022-12-31 | $31.59 | $175.00 | x |
| 2023-12-31 | $36.88 | $175.00 | x |
| 2024-12-31 | $40.50 | $175.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Wilson Bank Holding Company utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.79%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.04%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.18x
- Recent ROE (11.79%) is above the historical average (10.28%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 14.90% | 17.74% | 0.06x | 13.46x | $3.10 Million |
| 2004 | 12.73% | 16.22% | 0.06x | 13.10x | $1.96 Million |
| 2005 | 11.56% | 16.85% | 0.06x | 11.06x | $1.49 Million |
| 2006 | 9.96% | 13.19% | 0.07x | 11.59x | $-41.80K |
| 2007 | 9.25% | 11.33% | 0.07x | 11.29x | $-882.50K |
| 2008 | 8.83% | 11.34% | 0.07x | 10.90x | $-1.51 Million |
| 2009 | 8.29% | 12.17% | 0.06x | 10.49x | $-2.39 Million |
| 2010 | 6.25% | 9.98% | 0.06x | 10.31x | $-5.41 Million |
| 2011 | 6.39% | 11.57% | 0.06x | 10.02x | $-5.68 Million |
| 2012 | 7.16% | 13.74% | 0.05x | 9.90x | $-4.82 Million |
| 2013 | 8.93% | 18.24% | 0.05x | 9.84x | $-1.90 Million |
| 2014 | 10.34% | 22.82% | 0.05x | 9.32x | $687.80K |
| 2015 | 10.68% | 24.16% | 0.05x | 9.05x | $1.52 Million |
| 2016 | 10.48% | 24.65% | 0.05x | 8.99x | $1.17 Million |
| 2017 | 8.79% | 21.14% | 0.05x | 8.65x | $-3.25 Million |
| 2018 | 11.02% | 25.93% | 0.05x | 8.60x | $3.03 Million |
| 2019 | 10.70% | 25.19% | 0.05x | 8.29x | $2.35 Million |
| 2020 | 10.13% | 25.19% | 0.05x | 8.86x | $479.90K |
| 2021 | 11.95% | 30.37% | 0.04x | 9.64x | $8.05 Million |
| 2022 | 14.72% | 28.74% | 0.04x | 11.89x | $17.00 Million |
| 2023 | 11.40% | 19.50% | 0.05x | 11.29x | $6.00 Million |
| 2024 | 11.79% | 18.04% | 0.06x | 11.18x | $8.58 Million |
Industry Comparison
This section compares Wilson Bank Holding Company's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Wilson Bank Holding Company (WBHC) | $553.73 Million | 14.90% | 9.54x | $2.02 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |