Stock Ratings / Financials / WASH / dividends

SHBI (73) AROW (66) PFIS (67) CWBC (59) ⌘ Pro Terminal →

Washington Trust Bancorp Inc. (WASH) Dividend Safety Gauge & 10-Year DRIP Compounder

$39.30 +0.80% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $39.45

Washington Trust Bancorp Inc. (WASH) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $749.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $39.45 (+0.38%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 135.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WASH)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY WASH SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)

FRED Regime × Technicals: 91% of 52W Range • RSI-14 at 51.9 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$37.07+0% Next Q

Q2 (-2Q)

Grade B-$37.06+5.3% Next Q

Q3 (-1Q)

Grade B$39.02+0.7% Next Q

Current

Grade B$39.30+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WASH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, WASH faces multiple-compression risk if 14.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.73) or 200D SMA ($35.62) invalidates the momentum regime and cuts Target Base ($42.13) toward Bear Floor ($32.23).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WASH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WASH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

7.58% Total Yield

5.78% Cash ($2.27/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

36% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (18.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $54,140

Est. Year-10 Shareholder Yield: $4,104/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.8K

Yr 1

$14.0K

Yr 2

$16.6K

Yr 3

$19.7K

Yr 4

$23.3K

Yr 5

$27.5K

Yr 6

$32.6K

Yr 7

$38.6K

Yr 8

$45.7K

Yr 9

$54.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in WASH & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on WASH and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.04%📐 HORIZONTAL RANGE

2026-10-30O $39.34H $39.34L $38.48C $39.30VOL 104.4K

RES: $41.36SUP: $35.83SMA50: $38.73SMA200: $35.62

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WASH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WASH Butterfly Map → + Track WASH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

6.2%/yr Implied 5Y Growth

vs. +19.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WASH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WASH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WASH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WASH)

Financials Rank #60 of 1096 ⚔️ SHBI vs WASH Full Matrix →

1. Head-to-Head Financials Peer Comparison (WASH vs. SHBI, AROW, PFIS, CWBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Washington Trust Bancorp Inc. (WASH) ranks #60 by composite RQD confidence (74/100, grade B) and #612 by equity capitalization ($749.6M). Within this direct 5-issuer industry benchmark cohort, PFIS leads on earnings valuation at 12.1x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. WASH currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WASH ACTIVE Washington Trust Bancorp Inc.	B	74/100	14.3x	—	9.6%	+0.80%	$749.6M	Benchmark Subject
SHBI Shore Bancshares Inc	B	73/100	12.7x	—	10.1%	+0.62%	$757.2M	/shbi-vs-wash →
AROW Arrow Financial Corporation	C+	66/100	16.3x	—	10.2%	+1.67%	$716.2M	/arow-vs-wash →
PFIS Peoples Financial Services Corp.	C+	67/100	12.1x	—	11.4%	+0.37%	$715.3M	/pfis-vs-wash →
CWBC Community West Bancshares	C-	59/100	18.6x	—	9.3%	+0.97%	$708.1M	/cwbc-vs-wash →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000737468

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Washington Trust Bancorp Inc. (WASH) reported GAAP revenue of $57.7M (+19.7% vs. FY2024 revenue of $48.2M , and +29.8% cumulative change since FY2023) , GAAP net income of $52.2M, operating cash flow of $80.3M, and free cash flow of $78.3M (+45.9% YoY). On the balance sheet, WASH closed FY2025 with $6.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$57.7M	$52.2M	$80.3M	$78.3M	$6.62B	—
FY2024 (FY)	2024-12-31	$48.2M	-$28.1M	$57.7M	$53.7M	$6.93B	—
FY2023 (FY)	2023-12-31	$44.5M	$48.2M	$31.6M	$31.6M	—	—

3. WASH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Washington Trust Bancorp Inc. (NASDAQ: WASH) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $39.30 (+0.80% 1D, market cap $749.6M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WASH ranks #60 in composite RQD confidence.

How does WASH compare to SHBI and AROW in the Financials sector?

Within the Financials sector (Major Banks), WASH carries a Roarable B (74/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 9.6%. By comparison, SHBI (Shore Bancshares Inc) holds a B grade (73/100 RQD, P/E 12.7x, ROIC 10.1%, cap $757.2M) and AROW (Arrow Financial Corporation) posts a C+ grade (66/100 RQD, P/E 16.3x, ROIC 10.2%, cap $716.2M). Among the 5-stock peer group, PFIS leads on earnings multiple (12.1x) while PFIS leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WASH?

Per WASH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000737468), Washington Trust Bancorp Inc. generated $57.7M in revenue (+19.7% YoY), $52.2M in net income, and $78.3M in free cash flow against $6.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WASH trading relative to its 50-day, 200-day, and 52-week technical levels?

WASH last traded at $39.30 (+0.80% on volume of 128,286 shares), positioning the stock +1.47% above its 50-day simple moving average ($38.73) and +10.33% above its 200-day simple moving average ($35.62). Across its 52-week range of $26.52 to $40.54, WASH sits at the 91.2% percentile with a 14-day RSI of 51.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($37.57 to $41.03).

WASH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does WASH pay a dividend and is it safe?

Washington Trust Bancorp Inc. (WASH) offers a 5.78% cash dividend yield ($2.27 annualized) and 7.58% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: WASH RQD Cockpit WASH 12M Forecast WASH Earnings & Move WASH Dividends & DRIP WASH Insiders & 13F WASH Whale Options WASH Profit Sankey WASH News & Why