Does WASH pay a dividend and is it safe?

Washington Trust Bancorp Inc. (WASH) offers a 5.78% cash dividend yield ($2.31 annualized) and 7.58% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / WASH / dividends

SHBI (64) AROW (64) PFIS (63) CWBC (60) ⌘ Pro Terminal →

Washington Trust Bancorp Inc. (WASH) Dividend Safety Gauge & 10-Year DRIP Compounder

$39.90 +3.40% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.07

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.

📊 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) →

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 $39.90 (+3.40% 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: $40.07 (+0.42%)🧬 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+

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+

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

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)

Grade C$37.07+2.8% Next Q

Q2 (-2Q)

Grade C+$38.11+2.7% Next Q

Q3 (-1Q)

Grade B-$39.12+2% Next Q

Current

Grade C+$39.90+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 ($41.88) toward Bear Floor ($32.67).

🎲 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”

YES 69%NO 31%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

7.58% Total Yield

5.78% Cash ($2.31/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

36% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (18.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $54,140

Est. Year-10 Shareholder Yield: $4,104/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.8K

Yr 1

$14.0K

Yr 2

$16.6K

Yr 3

$19.7K

Yr 4

$23.3K

Yr 5

$27.5K

Yr 6

$32.6K

Yr 7

$38.6K

Yr 8

$45.7K

Yr 9

$54.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in WASH & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on WASH and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.76%⚡ TESTING RESISTANCE

2026-11-03O $39.30H $39.90L $38.59C $39.90VOL 105.3K

RES: $39.85SUP: $35.75SMA50: $38.70SMA200: $35.70

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 WASH Butterfly Map → + Track WASH →

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%	+3.40%	$736.1M	Benchmark Subject
SHBI Shore Bancshares Inc	C	64/100	12.7x	—	10.1%	+2.86%	$746.9M	/shbi-vs-wash →
AROW Arrow Financial Corporation	C	64/100	16.3x	—	10.2%	+2.35%	$710.6M	/arow-vs-wash →
PFIS Peoples Financial Services Corp.	C	63/100	12.1x	—	11.4%	+6.54%	$703.9M	/pfis-vs-wash →
CWBC Community West Bancshares	C-	60/100	18.6x	—	9.3%	+2.21%	$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?

How does WASH compare to SHBI and AROW in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for WASH?

Where is WASH trading relative to its 50-day, 200-day, and 52-week technical levels?

WASH last traded at $39.90 (+3.40% on volume of 140,840 shares), positioning the stock +3.10% above its 50-day simple moving average ($38.70) and +11.76% above its 200-day simple moving average ($35.70). Across its 52-week range of $26.52 to $40.54, WASH sits at the 95.4% percentile with a 14-day RSI of 51.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($38.14 to $41.66).

Direct Sub-Reports: WASH RQD Cockpit WASH 12M Forecast WASH Earnings & Move WASH Dividends & DRIP WASH Insiders & 13F WASH Whale Options WASH Profit Sankey WASH News & Why

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

1. Roarable Rating Brief: What This Means to a Prospective Investor

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

Fundamental Cash Engine: 15 / 20. 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. 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. 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. 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. 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.

2. Business Model, Unit Margins & SEC Financial Trajectory

Washington Trust Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. Specific products, customer segments, and revenue mix are — The profile does not describe how the company makes money beyond its sector and industry classification.

Net income was $52.2M in FY 2025 after a -$28.1M loss in FY 2024. Per the market data, net margin is 68%, while gross and operating margins are reported as 0%, which the source does not explain. The Roarable RQD rating cites an Altman Z-Score of 2.5 and a Piotroski F-Score of 6/9, with Debt/Equity of 0.5, indicating a moderate forensic profile. Cash and debt balances are —

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Insider conviction (16/20) and a 10.45% FCF yield with 14.3 trailing P/E point to cash generation and insider flow supporting the score. With Fundamental Cash Engine at 15/20 (ROIC 9.6%, FCF yield 10.45%) and Institutional Whale Flow at 11/20, sustained execution supports upside toward the top of the $26.52 – $40.54 52-week range.
🐻 Primary Bear Case: Investors must weigh 14.3x trailing P/E against — operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are —

Key Question #1: 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?
Key Question #2: Why are gross and operating margins reported as 0% while net margin is 68%?
Key Question #3: What drove the swing from a -$28.1M net loss in FY 2024 to $52.2M net income in FY 2025?

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) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 20h ago

Washington Trust Bancorp, Inc. (WASH) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Motley Fool • 23h ago

Why Washington Trust Bancorp Stock Was a Winner Today

The Motley Fool report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Washington Trust Bancorp (WASH) Stock Trades Up, Here Is Why

The Globe and Mail report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

I'm Not Able To Upgrade Washington Trust Bancorp Just Yet (NASDAQ:WASH)

Seeking Alpha report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Washington Trust Bancorp (NASDAQ:WASH) Posts Better-Than-Expected Sales In Q3 2026

Yahoo Finance report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Washington Trust Bancorp (WASH) Stock Jumps As Q3 Earnings Sharpen Credit Outlook

Yahoo Finance report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Washington Trust Bancorp (WASH) Surpasses Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Washington Trust Bancorp Inc. (WASH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

3 Reasons to sell WASH and 1 stock to buy instead

Washington Trust Bancorp’s 22.3% return over the past six months has outpaced the S&P 500 by 14.8%, and its stock price has climbed to $39.11 per share. This was partly thanks to its solid quarterly results, and the perf

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WASH Bull vs. Bear Conversation Board — What's Your Call at $39.90?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WASH 🐻 33% BEARISH CONVICTION

DE DeepValue_CFA Institutional Buy-Side 🐂 BULLISH 🎯 Target: $50.55 (+31.0%)

📌 Pinned Debate

Per the Roarable RQD rating, insider conviction (16/20) and a 10.45% FCF yield with 14.3 trailing P/E point to cash generation and insi

Don't sleep on WASH's setup in Financials. Per the Roarable RQD rating, insider conviction (16/20) and a 10.45% FCF yield with 14.3 trailing P/E point to cash generation and insider flow supporting the score.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (69/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@ForensicBear Fair point on 14.3x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FO ForensicBear 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $30.10 (-22.0%)

Spot @ $38.59

Valuation & margin reality check on WASH at $38.59 before chasing here

Here is the bear case nobody on the bull side wants to address on WASH: Valuation & margin reality check on WASH at $38.59 before chasing here. At 14.3x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.