$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

46.1m55.1m73.1m101.4m

Revenue growth, %

20%33%39%

Cost of goods sold

6.1m12.5m

Gross profit

40.0m88.9m

Gross profit Margin, %

87%88%

R&D expense

4.2m

Operating expense total

4.2m

EBIT

35.2m57.5m

EBIT margin, %

76%57%

Income tax expense

2.6m10.1m

Net Income

6.3m9.4m12.3m18.0m

Quarterly

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

Revenue

12.8m

Cost of goods sold

1.5m1.6m1.8m1.9m2.0m2.1m2.3m3.0m3.2m3.1m3.6m4.0m

Gross profit

11.4m

Gross profit Margin, %

88%

R&D expense

775.0k715.0k685.0k774.0k338.0k325.0k879.0k1.0m1.1m1.1m1.0m1.2m

Operating expense total

775.0k8.0m8.0m8.5m7.8m8.6m11.2m12.5m15.5m15.6m13.7m15.1m

EBIT

8.0m9.7m11.4m11.6m11.6m12.3m13.2m13.9m14.0m14.8m15.7m16.7m

EBIT margin, %

62%

Income tax expense

579.0k838.0k1.3m833.0k1.5m1.6m1.8m2.3m2.6m2.9m2.4m2.8m

Net Income

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

WashingtonFirst Bankshares Balance Sheet

Annual

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

Cash

109.2m62.3m62.8m97.4m

Accounts Receivable

3.5m3.9m4.5m5.2m

PP&E

5.4m6.2m7.4m7.0m

Goodwill

11.4m11.4m

Total Assets

1.1b1.3b1.7b2.0b

Accounts Payable

524.0k548.0k912.0k1.5b

Long-term debt

43.5m86.0m110.1m232.1m

Total Debt

232.1m

Total Liabilities

1.8b

Common Stock

66.0k77.0k103.0k109.0k

Additional Paid-in Capital

177.9m

Total Equity

134.5m178.6m192.7m

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

154.3m170.2m221.6m100.8m132.0m109.4m64.1m69.1m99.4m131.3m77.3m30.1m

PP&E

3.8m5.8m5.9m6.0m6.1m6.0m7.0m7.8m7.5m7.3m6.8m6.4m

Goodwill

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

Total Assets

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

Accounts Payable

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

Long-term debt

30.1m43.4m53.2m66.4m93.2m107.8m100.0m112.2m61.6m121.3m128.4m73.1m

Total Debt

30.1m43.4m53.2m66.4m93.2m107.8m100.0m112.2m61.6m121.3m128.4m73.1m

Total Liabilities

1.0b1.2b1.3b1.2b1.3b1.4b1.4b1.6b1.7b1.7b1.9b1.9b

Common Stock

66.0k66.0k67.0k70.0k77.0k77.0k86.0k103.0k104.0k104.0k121.0k123.0k

Additional Paid-in Capital

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

Total Equity

111.1m133.4m135.2m154.6m184.1m188.3m192.0m197.2m203.6m

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

6.3m9.4m12.3m18.0m

Depreciation and Amortization

1.4m1.6m1.5m2.1m

Accounts Receivable

(42.0k)(386.0k)(650.0k)(741.0k)

Accounts Payable

(1.5m)24.0k364.0k35.0k

Cash From Operating Activities

14.2m13.1m11.3m22.7m

Cash From Investing Activities

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

Dividends Paid

(178.0k)(74.0k)

Cash From Financing Activities

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

Quarterly

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

Net Income

5.1m1.6m4.0m6.9m2.8m5.6m8.7m3.9m8.3m13.3m4.4m9.8m

Depreciation and Amortization

129.0k465.0k1.1m1.4m120.0k174.0k188.0k459.0k1.0m1.5m455.0k934.0k

Accounts Receivable

217.0k191.0k(209.0k)(185.0k)96.0k(46.0k)(431.0k)(122.0k)(44.0k)96.0k(268.0k)(535.0k)

Accounts Payable

(1.5m)75.0k(6.0k)47.0k85.0k158.0k492.0k57.0k478.0k505.0k443.0k

Cash From Operating Activities

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

Cash From Investing Activities

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

Dividends Paid

(133.0k)(44.0k)(89.0k)(128.0k)(73.0k)(860.0k)(1.8m)

Cash From Financing Activities

(24.4m)15.1m124.6m66.6m99.2m183.1m205.0m79.1m170.8m226.7m55.5m72.5m

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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