$446.8 M

WFBI Mkt cap, 22-Dec-2017
WashingtonFirst Bankshares Net income (Q2, 2017)5.3 M
WashingtonFirst Bankshares EBIT (Q2, 2017)16.7 M
WashingtonFirst Bankshares Cash, 30-Jun-201730.1 M
WashingtonFirst Bankshares EV489.8 M

WashingtonFirst Bankshares Revenue Breakdown

Embed Graph

WashingtonFirst Bankshares revenue breakdown by business segment: 23.8% from Mortgage Bank, 74.4% from Commercial Bank and 1.8% from Other

WashingtonFirst Bankshares Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

46.1 m55.1 m73.1 m101.4 m

Revenue growth, %

20%33%39%

Cost of goods sold

6.1 m12.5 m

Gross profit

40 m88.9 m

Gross profit Margin, %

87%88%

R&D expense

4.2 m

Operating expense total

4.2 m

EBIT

35.2 m57.5 m

EBIT margin, %

76%57%

Income tax expense

2.6 m10.1 m

Net Income

6.3 m9.4 m12.3 m18 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Revenue

12.8 m

Cost of goods sold

1.5 m1.6 m1.8 m1.9 m2 m2.1 m2.3 m3 m3.2 m3.1 m3.6 m4 m

Gross profit

11.4 m

Gross profit Margin, %

88%

R&D expense

775 k715 k685 k774 k338 k325 k879 k1 m1.1 m1.1 m1 m1.2 m

Operating expense total

775 k8 m8 m8.5 m7.8 m8.6 m11.2 m12.5 m15.5 m15.6 m13.7 m15.1 m

EBIT

8 m9.7 m11.4 m11.6 m11.6 m12.3 m13.2 m13.9 m14 m14.8 m15.7 m16.7 m

EBIT margin, %

62%

Income tax expense

579 k838 k1.3 m833 k1.5 m1.6 m1.8 m2.3 m2.6 m2.9 m2.4 m2.8 m

Net Income

2.1 m1.6 m2.4 m2.8 m2.8 m2.8 m3.2 m3.9 m4.4 m4.9 m4.4 m5.3 m

WashingtonFirst Bankshares Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

109.2 m62.3 m62.8 m97.4 m

Accounts Receivable

3.5 m3.9 m4.5 m5.2 m

PP&E

5.4 m6.2 m7.4 m7 m

Goodwill

11.4 m11.4 m

Total Assets

1.1 b1.3 b1.7 b2 b

Accounts Payable

524 k548 k912 k1.5 b

Long-term debt

43.5 m86 m110.1 m232.1 m

Total Debt

232.1 m

Total Liabilities

1.8 b

Common Stock

66 k77 k103 k109 k

Additional Paid-in Capital

177.9 m

Total Equity

134.5 m178.6 m192.7 m

Debt to Equity Ratio

1.2 x

Debt to Assets Ratio

0.1 x

Financial Leverage

9.9 x9.4 x10.4 x

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Cash

154.3 m170.2 m221.6 m100.8 m132 m109.4 m64.1 m69.1 m99.4 m131.3 m77.3 m30.1 m

PP&E

3.8 m5.8 m5.9 m6 m6.1 m6 m7 m7.8 m7.5 m7.3 m6.8 m6.4 m

Goodwill

11.5 m11.4 m11.4 m11.4 m11.4 m11.4 m

Total Assets

1.1 b1.3 b1.4 b1.3 b1.4 b1.5 b1.6 b1.8 b1.9 b1.9 b2.1 b2.1 b

Accounts Payable

958.4 m1.1 b1.2 b1.1 b1.2 b1.2 b1.3 b1.4 b1.5 b1.5 b1.7 b1.7 b

Long-term debt

30.1 m43.4 m53.2 m66.4 m93.2 m107.8 m100 m112.2 m61.6 m121.3 m128.4 m73.1 m

Total Debt

30.1 m43.4 m53.2 m66.4 m93.2 m107.8 m100 m112.2 m61.6 m121.3 m128.4 m73.1 m

Total Liabilities

1 b1.2 b1.3 b1.2 b1.3 b1.4 b1.4 b1.6 b1.7 b1.7 b1.9 b1.9 b

Common Stock

66 k66 k67 k70 k77 k77 k86 k103 k104 k104 k121 k123 k

Additional Paid-in Capital

161.3 m161.7 m161.9 m178.6 m179.9 m

Total Equity

111.1 m133.4 m135.2 m154.6 m184.1 m188.3 m192 m197.2 m203.6 m

Financial Leverage

12 x10.8 x11.3 x10.3 x9.6 x9.8 x10 x10.4 x10.2 x

WashingtonFirst Bankshares Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

6.3 m9.4 m12.3 m18 m

Depreciation and Amortization

1.4 m1.6 m1.5 m2.1 m

Accounts Receivable

(42 k)(386 k)(650 k)(741 k)

Accounts Payable

(1.5 m)24 k364 k35 k

Cash From Operating Activities

14.2 m13.1 m11.3 m22.7 m

Cash From Investing Activities

(106.7 m)15.8 m(292.6 m)(298.9 m)

Dividends Paid

(178 k)(74 k)

Cash From Financing Activities

(22.5 m)60.1 m281.7 m310.8 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Net Income

5.1 m1.6 m4 m6.9 m2.8 m5.6 m8.7 m3.9 m8.3 m13.3 m4.4 m9.8 m

Depreciation and Amortization

129 k465 k1.1 m1.4 m120 k174 k188 k459 k1 m1.5 m455 k934 k

Accounts Receivable

217 k191 k(209 k)(185 k)96 k(46 k)(431 k)(122 k)(44 k)96 k(268 k)(535 k)

Accounts Payable

(1.5 m)75 k(6 k)47 k85 k158 k492 k57 k478 k505 k443 k

Cash From Operating Activities

9.9 m1.3 m2.1 m7.8 m1.7 m6.9 m15.1 m2.4 m(12.9 m)(15.5 m)6.2 m(5.6 m)

Cash From Investing Activities

(55.4 m)44.6 m(14.3 m)(82.8 m)(31.3 m)162.8 m(218.3 m)(75.1 m)(121.2 m)(142.7 m)(81.8 m)(134.3 m)

Dividends Paid

(133 k)(44 k)(89 k)(128 k)(73 k)(860 k)(1.8 m)

Cash From Financing Activities

(24.4 m)15.1 m124.6 m66.6 m99.2 m183.1 m205 m79.1 m170.8 m226.7 m55.5 m72.5 m

WashingtonFirst Bankshares Ratios

USDY, 2017

EV/EBIT

29.4 x

EV/CFO

-87.8 x

Financial Leverage

10.2 x
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WashingtonFirst Bankshares Operating Metrics

WashingtonFirst Bankshares's Total Loans was reported to be $1.6b in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Bank Branches

18 22 22

Non-accrual Loans

$11.21 m$5.64 m$5.92 m$8.38 m$14.50 m$8.79 m$7.42 m$5.89 m$8.54 m$5.46 m$4.04 m

Total Loans

$1.07 b$1.09 b$1.18 b$1.26 b$1.34 b$1.35 b$1.39 b$1.43 b$1.57 b$1.60 b$1.64 b
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