Washington Trust Bancorp Inc. (WASH) — RQD Stock Rating Cockpit

$38.59 -1.81% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $38.39

Washington Trust Bancorp Inc. (WASH) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $736.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WASH Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Washington Trust Bancorp Inc. (NASDAQ: WASH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $38.59 (-1.81% 1D, market cap $736.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WASH ranks #140 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WASH compare to SHBI and AROW in the Financials sector?
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Within the Financials sector (Major Banks), WASH carries a Roarable C+ (69/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 9.6%. By comparison, SHBI (Shore Bancshares Inc) holds a C grade (64/100 RQD, P/E 12.7x, ROIC 10.1%, cap $746.9M) and AROW (Arrow Financial Corporation) posts a C grade (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $710.6M). Among the 5-stock peer group, PFIS leads on earnings multiple (12.1x) while PFIS leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WASH?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $38.39 (-0.52%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 135.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
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 C+
Cash (15)Whales (11)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4.9% Base Target
$48 Bull$41 Base$32 Bear
📬 FREE WASH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WASH)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY WASH SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 135.6% FCF Margin ($78.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$37.07+2.8% Next Q
Q2 (-2Q)
64
Grade C+$38.11+2.7% Next Q
Q3 (-1Q)
66
Grade B-$39.12-1.4% Next Q
Current
69
Grade C+$38.59+2% Hist 90D α
Trajectory: C (61) → C+ (69)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 69/100 (C+) 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 ($38.70) or 200D SMA ($35.70) invalidates the momentum regime and cuts Target Base ($40.50) toward Bear Floor ($31.59).

🎲 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”
RSI-14 MOMENTUMNEUTRAL RANGE
5130 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE86% OF RANGE
L: $27$38.59H: $41
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on WASH

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (75)

9.6% ROIC with 42.0% gross margin and 10.45% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (68)

27/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like WASH
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (WASH Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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WASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.57%▼ DESCENDING CHANNEL
2026-11-03O $39.30H $39.30L $38.59C $38.59VOL 105.3K
RES: $39.85SUP: $35.75SMA50: $38.70SMA200: $35.70
$41.24$38.33$35.42$32.51$29.60RES $39.85SUP $35.75$38.592026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

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 #140 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 #140 by composite RQD confidence (69/100, grade C+) and #611 by equity capitalization ($736.1M). 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 69/100 (C+).

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.
C+ 69/100 14.3x — 9.6% -1.81% $736.1M Benchmark Subject
SHBI
Shore Bancshares Inc
C 64/100 12.7x — 10.1% -1.37% $746.9M /shbi-vs-wash →
AROW
Arrow Financial Corporation
C 64/100 16.3x — 10.2% -0.79% $710.6M /arow-vs-wash →
PFIS
Peoples Financial Services Corp.
C 63/100 12.1x — 11.4% -1.59% $703.9M /pfis-vs-wash →
CWBC
Community West Bancshares
C- 60/100 18.6x — 9.3% -1.19% $699.7M /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 2026-11-03, Washington Trust Bancorp Inc. (NASDAQ: WASH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $38.59 (-1.81% 1D, market cap $736.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WASH ranks #140 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 C+ (69/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 9.6%. By comparison, SHBI (Shore Bancshares Inc) holds a C grade (64/100 RQD, P/E 12.7x, ROIC 10.1%, cap $746.9M) and AROW (Arrow Financial Corporation) posts a C grade (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $710.6M). 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 $38.59 (-1.81% on volume of 105,278 shares), positioning the stock -0.28% below its 50-day simple moving average ($38.70) and +8.10% above its 200-day simple moving average ($35.70). Across its 52-week range of $26.52 to $40.54, WASH sits at the 86.1% percentile with a 14-day RSI of 51.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($36.89 to $40.29).

WASH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell WASH stock right now?

Washington Trust Bancorp Inc. (WASH) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

What is WASH's 12-month price target and RQD AI Jury consensus?

WASH's 12-month base price target is $40.5 (range $31.59 to $47.79), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

WASH — Washington Trust Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:33:13Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, WASH scores 72 out of 100, graded B and labeled "Roarable Buy — Good Risk/Reward." The five pillars are:

  • Fundamental Cash Engine: 15 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 9.6% and FCF yield of 10.45%. For a prospective investor, these are the strongest cash-generation datapoints in the set, though the source does not separate operating margin detail for this issuer (reported as 0%).
  • Whale 13F Flow: 14 / 20. Per the Roarable RQD rating, this reflects institutional accumulation and options positioning. The underlying 13F holder detail is not itemized in the source data, so the score cannot be traced to specific holders.
  • Insider Conviction: 16 / 20. Per the Roarable RQD rating, this is the highest pillar and reflects SEC Form 4 and Congressional PTR cluster flow. The individual transactions are not itemized in the source data.
  • Macro Regime Fit: 14 / 20. Per the Roarable RQD rating, this reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 implies market-like volatility relative to the broader market, not a defensive or aggressive profile.
  • Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this reflects Altman Z of 2.5, Piotroski F of 6/9, and Debt/Equity of 0.5. This is the lowest pillar, indicating the balance sheet is serviceable but not the strongest component of the thesis.

Investor implications: the score is driven by cash generation and insider flow more than by balance-sheet strength. Valuation tradeoffs visible in the data include a trailing P/E of 14.3 and forward P/E of 12, both of which sit below the trailing figure, and a 5.78% dividend yield. The stock trades near the upper portion of its 52-week range. The source does not provide analyst targets, so upside cannot be quantified from the data provided.

Recent Catalysts & News Wire Analysis

Per the recent news feed, six items reference WASH, with headlines including a Q3 2026 report described as "Better-Than-Expected Sales" and a headline stating shares "Jumps As Q3 Earnings Sharpen Credit Outlook." Two items are tagged CATALYST (a Seeking Alpha item on an upgrade view, and the credit-outlook item). Four items are tagged MARKET WIRE and carry YELLOW status. The one Seeking Alpha item carries a GREEN status and a headline stating the author is "Not Able To Upgrade" the stock, which is a cautionary note. Risk watch items are limited to this mixed analyst commentary; no proprietary signals are recorded in the Butterfly graph.

Open Questions

  • What are the cash, debt, and EPS balances behind the FY 2025 through FY 2023 figures, since these fields are N/A in the filings?
  • Why are gross and operating margins reported as 0% while net margin is 68%?
  • What specific transactions underlie the insider and whale pillar scores?
  • What drove the swing from a $-28.1M net loss in FY 2024 to $52.2M net income in FY 2025?
  • What is the basis for the Q3 credit-outlook commentary, and does it reflect loan-quality metrics not present in this dataset?

WASH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Washington Trust Bancorp Inc. (WASH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WASH Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WASH Bull vs. Bear Conversation Board — What's Your Call at $38.59?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WASH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on WASH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $46.37 (+18.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is WASH (B • RQD 72/100) a Buy at $39.30?

Welcome to the WASH (Washington Trust Bancorp Inc.) Roar Pit. Current RQD Composite is 72/100 (Roarable Buy — Good Risk/Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $29.48 (-25.0%)
Spot @ $39.30

Pump the brakes on WASH — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on WASH, but look at what you are paying: 14.3x trailing P/E with tightening sector spreads. Unless Washington Trust Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $50.30 (+28.0%)
Spot @ $39.30

WASH cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on WASH, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $39.30 (52-wk range $26.52 - $40.54), any beat on forward guidance forces shorts and underweight funds to chase.

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