What is Wilson Bank Holding Co worth?
With the base-case assumptions below, a discounted cash flow model on Wilson Bank Holding Co's reported free cash flow gives $256.02 per share. The share price was $550.00 on September 25, 2026, 115% above that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $163.52 | -70% |
| Base | 15.0% | 9.0% | $256.02 | -53% |
| Bull | 20.0% | 8.0% | $428.27 | -22% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $326.06 | $347.90 | $374.59 | $407.95 | $450.85 |
| 8.0% | $273.45 | $287.61 | $304.35 | $324.43 | $348.98 |
| 9.0% | $235.17 | $244.85 | $256.02 | $269.06 | $284.46 |
| 10.0% | $206.14 | $213.03 | $220.83 | $229.75 | $240.04 |
| 11.0% | $183.43 | $188.48 | $194.12 | $200.47 | $207.66 |
Where the presets come from
Base: years 1 to 5 grow at Wilson Bank Holding Co's revenue growth rate over the last 3 fiscal years (24.6% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions