WILSON BANK HOLDING CO financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data WILSON BANK HOLDING CO files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2019	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue							185	251	313	357
Selling and marketing	2.31	2.33	2.55	2.5	2.49	2.74	3.46	3.71	3.51	4.81
Interest expense	8.28	8.89	14	22.6	18.2	11.6	16.1	83.7
Pre-tax income	40.5	42.9	41.4	47.1	48.1	64.2	68.1	62.9	73.2	97.1
Income tax	14.8	19.4	8.78	11.1	9.62	14.7	15.1	13.9	16.6	21.4
Net income to minority interests					0	0	-0.02	0.05	0.13	0.03
Net income	25.6	23.5	32.6	36	38.5	49.4	53	48.9	56.5	75.7
EPS, basic	2.49	2.26	3.09	3.36	3.52	4.44	4.66	4.21	4.79	6.28
EPS, diluted	2.49	2.26	3.08	3.35	3.51	4.43	4.65	4.20	4.78	6.26
Shares, basic (weighted)	10.3	10.4	10.6	10.7	10.9	11.1	11.4	11.6	11.8	12
Shares, diluted (weighted)	10.3	10.4	10.6	10.8	11	11.2	11.4	11.6	11.8	12.1
Dividend per share	0.56	0.65	0.90	1.10	1.20	1.35	1.85	1.50	1.75	2.25

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2019	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	47.9	95.5	99.2	160				253	248	367
Property, plant and equipment	44.4	54.2	58.4	60.3	58.2	62.8	62	62.4	61.5	62.7
Lease right-of-use assets							4.52	3.54	2.56	2.08
Goodwill	4.81	4.81	4.81	4.81	4.81	4.81	4.81	4.81	4.81	5.88
Total assets	2,198	2,317	2,544	2,794	3,370	3,990	4,286	4,846	5,359	5,879
Total liabilities	1,953	2,049	2,248	2,457	2,989	3,576	3,925	4,417	4,879	5,297
Total debt								7.77	9.39	10.1
Paid-in capital	60.5	66	74	82.2	93	105	122	137	151	171
Retained earnings	168	185	208	232	258	292	326	357	393	442
Other comprehensive income						-6.32	-110	-88.2	-88.2	-55.2
Shareholders' equity	245	268	296	337	380	414
Minority interests						0	0.02	0.07	0.2	0
Total equity	245	268	296	337	380	414	360	429	480	582
Total liabilities and equity	2,198	2,317	2,544	2,794	3,370	3,990	4,286	4,846	5,359	5,879
Shares outstanding	10.3	10.5	10.6	10.8	11	11.2	11.5	11.7	11.9	12.1

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2019	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	25.6	23.5	32.6	36	38.5	49.4	53	49	56.7	75.7
Depreciation and amortization	5.52	5.51	5.85	3.98	4.25	4.24	4.46	4.31	4.13	4.28
Stock-based compensation	0.07	0.69	1.24	0.79	1.18	1.43	1.86	0.97	1.13	1.09
Deferred income tax	-0.16	3	-0.25	-0.48	-3.3	-0.93	-2.05	-2.03	-0.55	-0.41
Cash from operations	26.8	42.7	40.6	36.3	50.2	61.4	73.2	86.1	62	90
Capital expenditures	-5.15	-12.7	-7.75	-6.04	-2.22	-8.92	-5.02	-4.64	-3.49	-3.7
Purchases of investments	-181	-96.2	-9.12	-255	-410	-530	-200	-51.1	-169	-241
Sales and maturities of investments	103	38.8	37	90.8	201	150	85.5	56.4	61.8	68.1
Cash from investing	-238	-89.5	-233	-178	-398	-530	-759	-408	-521	-351
Stock issued	0.15	0.15	0.39	0.78	0.72	0.86	0.64	1.04	0.58	0.65
Share buybacks	0	0	0	-1.63	0	0	0	0	-2.18	0
Dividends paid	-5.76	-6.73	-9.45	-11.7	-13	-14.9	-20.9	-4.32	-5.82	-8.33
Cash from financing	150	94.4	196	202	527	584	337	469	454	381
Net change in cash	-61.3	47.6	3.67	60.6	179	115	-349	148	-5.05	120
Free cash flow	21.7	30	32.9	30.3	48	52.5	68.2	81.5	58.5	86.3
Interest paid	8.28	8.61	12.6	22	18.1	12.1	14.6	62.6	125	129
Income taxes paid	13.8	16.4	10.6	11.7	13.2	16.8	19.4	16.5	18.8	23.4

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $550.00 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	28.8%	Pre-tax income / revenue.
Net margin	22.4%	Net income / revenue.
FCF margin	23.2%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	24.3%	Cash from operations / revenue.
Effective tax rate	22.1%	Income tax / pre-tax income, when pre-tax income is positive.
Return on assets (ROA)	1.4%	Net income / average total assets.
Stock-based pay / revenue	0.4%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	1.1%	Capital expenditures / revenue.
D&A / revenue	1.1%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	14.2%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	24.6%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income growth, 1y	33.9%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	12.6%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	14.5%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	31.0%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	10.4%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	12.3%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	45.1%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	7.1%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	12.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	47.5%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	8.2%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	12.4%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	28.6%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	6.7%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	13.4%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	9.7%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	11.1%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	11.8%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	2.1%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	1.9%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	2.0%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	89.7%	Total liabilities / total assets.
Goodwill and intangibles / assets	0.1%	(Goodwill + intangible assets) / total assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.06x	Revenue / average total assets.
Fixed asset turnover	5.90x	Revenue / average property, plant and equipment.
FCF conversion	103.5%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	4.4%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$6.80	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$30.11	Revenue / diluted weighted shares.
FCF per share	$6.99	Free cash flow / diluted weighted shares.
Operating cash flow per share	$7.31	Cash from operations / diluted weighted shares.
Cash per share	$19.94	(Cash + short-term investments) / shares outstanding.
Payout ratio	12.6%	Dividends paid / net income, when net income is positive.
Dividends / FCF	12.2%	Dividends paid / free cash flow, when free cash flow is positive.
Buybacks / FCF	0.1%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$6.83B	Share price x shares outstanding.
Enterprise value	$6.59B	Market cap + total debt - cash - short-term investments.
P/E	82.0x	Market cap / net income. Only when net income is positive.
P/S	18.4x	Market cap / revenue.
P/FCF	79.3x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	75.8x	Market cap / cash from operations, when positive.
EV/Sales	17.7x	Enterprise value / revenue.
EV/FCF	76.4x	Enterprise value / free cash flow, when both are positive.
FCF yield	1.3%	Free cash flow / market cap.
Earnings yield	1.2%	Net income / market cap (the inverse of P/E).
Dividend yield	0.2%	Dividends paid over the period / market cap.
Shareholder yield	0.2%	(Dividends paid + share buybacks) / market cap.
PEG	7.88x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

What was WILSON BANK HOLDING CO's revenue in fiscal 2025?

WILSON BANK HOLDING CO reported revenue of $357.5M for fiscal 2025, 14.2% higher than the year before.

Was WILSON BANK HOLDING CO profitable in fiscal 2025?

Yes. Net income was $75.7M, a net margin of 21.2%.

How much free cash flow did WILSON BANK HOLDING CO generate in fiscal 2025?

Cash from operations of $90.0M minus capital expenditures of $3.7M left free cash flow of $86.3M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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