WASHINGTON TRUST BANCORP INC (WASH)
Financials · regional banking · NASDAQ
A regional bank holding company offering commercial and personal banking integrated with wealth management services in southern New England.
What WASHINGTON TRUST BANCORP INC does
Washington Trust Bancorp, Inc. is a financial holding company based in Rhode Island that operates through its subsidiary, The Washington Trust Company. The company provides a diversified range of financial services including commercial banking, residential mortgage lending, consumer lending, and comprehensive wealth management and trust services. It serves customers primarily throughout southern New England, including Rhode Island, Connecticut, and Massachusetts.
Themes: commercial banking, wealth management, mortgage banking, regional bank
Fundamentals
- Price$37.35 as of 2026-10-08 close
- Market cap$712M as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+31.7% 2025-10-08 close $28.36 → 2026-10-08 close $37.35
- P/E12.93 as of 2026-10-08
- Net margin+22.8% FY2025, SEC XBRL
- ROE+9.6% FY2025, SEC XBRL
- Debt / equity0.04 as of 2026-09-02
- Revenue growth (YoY)+127.6% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+1.6% SEC XBRL
- Beta0.92 as of 2026-09-02
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.7%; at least 17 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How WASH compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRbottom 25% 347 covered Financials peers
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, WASH's dividend was covered by reported results (earnings payout 83%, free-cash-flow payout 55%). This describes past coverage, not a forecast.
- Earnings payout83% dividends / net income
- Free-cash-flow payout55% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How WASHINGTON TRUST BANCORP INC looks technically
WASHINGTON TRUST BANCORP INC (WASH) is trading 6.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 194 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 37, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day low, its first since 2026-07-20, breaking below its recent trading range.
Trend
7
| Distance from the 200-day | it is trading 6.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +6.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $39.18 | $39.18 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $34.93 | $34.93 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 194 trading days ago — a "golden cross", a bullish long-term signal | 194 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 24.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 37, neither overbought (above 70) nor oversold (below 30) | 36.7 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($36.59 to $39.66) — its "stochastic" reading is 25 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 24.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 44 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $40.54 | $40.54 |
|---|---|---|
| From the 52-week high | it is 7.9% below its 52-week high (its highest price of the past year) | -7.9% |
| Above the 52-week low | it is 48.0% above its 52-week low (its lowest price of the past year) | +48.0% |
| Below the 52-week high | it is 7.9% below its highest point of the past year | 7.9% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-07-20, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day low, its first since 2026-07-20, breaking below its recent trading range | 1 session |
| All-time high | its highest closing price on record is $63.25 (set on 2018-06-07) | $63.25 |
| Given back of the 52-week move | over the past year its closes ranged ($25.45 to $40.26), and it has given back roughly a quarter of its rise from last year’s low — 20% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $30.63 to $31.11. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.6% |
| From the all-time high | it is 40.9% below its all-time high | -41.0% |
| Nearest price level | it is trading 0.8% above a support level at $37.05 — a price it turned at twice since 2026-02-09, most recently on 2026-06-26. Since 2024-10-08 it has 11 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.8% |
| All-time low | its lowest closing price on record is $11.50 (set on 2009-03-05) | $11.50 |
| Above the all-time low | it is 224.8% above its all-time low | +224.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 46th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8148 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8148 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $37.09 and $40.27 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $37.09 – $38.68 – $40.27 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 3.0 daily ranges above its 200-day average price (6.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.80× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | today, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | today |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.1% |
|---|---|---|
| Open gap | it gapped 3.5% above the previous close 56 sessions ago and has not traded back through the level it left behind at 36.32 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.5% |
| Gap filled | a 2.2% gap down opened on 2026-10-01 has been "filled" 4 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 4 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 2 sessions in a row, a -2.28% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 2 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 7.1 percentage points (the stock lost 6.1% while the market gained 1.0%) | -7.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 2.9 percentage points (the stock gained 6.7% while the market gained 3.8%) | +2.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.1 percentage points (the stock gained 9.3% while the market gained 17.5%) | -8.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 16.7 percentage points (the stock gained 31.7% while the market gained 15.0%) | +16.7% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.7% of the share price. | -0.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $34.93 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +6.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% below the average price paid since it last reported on 2026-07-20 (its 8-K), so the typical buyer over that stretch is under water. That average is $39.08 — a volume-weighted average of daily closes over 58 sessions, not a true tick-by-tick VWAP. | -4.4% |
Price levels it has turned at before
WASH last closed at $37.35 on 2026-10-08. Since 2024-10-08 it has turned at 11 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $37.05 | Support | 0.8% below the last close | turned there twice · 2026-02-09 to 2026-06-26 |
| $36.36 | Support | 2.6% below the last close | turned there five times · 2024-10-23 to 2026-10-01 |
| $38.49 | Resistance | 3.1% above the last close | turned there three times · 2026-08-10 to 2026-09-02 |
| $40.34 | Resistance | 8.0% above the last close | turned there five times · 2024-11-13 to 2026-09-04 |
| $33.59 | Support | 10.1% below the last close | turned there twice · 2024-11-04 to 2025-01-27 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · lagging the market · Printed a doji candle · Printed a hammer candle after a decline · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$38.00 range $36.00 – $41.00; median $37.00
Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for WASH
- Consensus EPS estimate$0.874 next reporting period, as of 2026-10-07
- Estimate change, 30 days$0.00 (0.0%) from $0.874, on 2026-09-02, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Interest rate fluctuations significantly impact net interest income and overall profitability.","Credit risk associated with loan portfolios, including potential increases in defaults and charge-off rates.","Sensitivity to regional economic conditions in southern New England."]
What changed in the latest 10-Q
AI-assisted comparison of WASH's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 'ongoing armed conflicts' in the risk factors list (2026-05-07 filing)
- Added reference to 'current or future U.S. government shutdowns' in the risk factors list (2026-05-07 filing)
- Removed:
- Removed reference to 'Annual Report on Form 10-K for the year ended December 31, 2024' and replaced with 'for the year ended December 31, 2025' (2026-05-07 filing)
- Removed comparison periods for nine months ended September 30 in the non-GAAP reconciliation tables (2026-05-07 filing now shows only three months ended March 31, 2026 and 2025)
- Removed 'adjusted net income available to common shareholders' from the list of non-GAAP financial measures (2026-05-07 filing)
- Removed the 'Adjusted Net Income Available to Common Shareholders' reconciliation table entirely (2026-05-07 filing)
- Reworded:
- Changed period reference from 'three and nine months ended September 30, 2025' to 'three months ended March 31, 2026' in the opening statement (2026-05-07 filing)
- Changed period reference from 'full-year ended December 31, 2025' to 'full-year ended December 31, 2026' in the opening statement (2026-05-07 filing)
- Updated Risk Factors reference from 'fiscal year ended December 31, 2024' to 'fiscal year ended December 31, 2025' (2026-05-07 filing)
- Notes:
- The newer filing (2026-05-07) appears to be truncated at 'Adjusted Return on Average Assets (1):' making complete comparison of that section impossible
- The older filing (2025-11-06) text is also truncated mid-table in the excerpt provided, preventing full comparison of the diluted earnings per common share and return metrics sections
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 1 sell ($35) — 1 selling insider
- Last 180 days · read to 2026-10-044 buys ($1M) · 2 sells ($27962) — 3 buying, 2 selling insiders
Cluster buying: 3 different insiders reported open-market purchases (SEC code P) of WASH within a 30-day window between 2026-04-23 and 2026-04-27. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-28. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about WASH's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding WASH as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 4,359,280
- Reported value $159,026,540
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 1 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about WASH's institutional holders → See what each manager we track holds →
Short interest (FINRA)
WASH had 1,391,472 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
WASH had 7.30% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.71 days to cover at the same settlement.
- Reported short interest (shares) 1,391,472
- Short interest (% of shares outstanding) 7.30%
- Prior settlement (shares) 1,407,333
- Reported change -1.13%
- Days to cover (reported) 10.71
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Citizens Financial Group (CFG)
- Webster Financial Corporation (WBS)
- People's United Bank (acquired by M&T Bank) (MTB)
- Berkshire Hills Bancorp (BHLB)
- Independent Bank Corp (INDB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does WASHINGTON TRUST BANCORP INC (WASH) do?
Washington Trust Bancorp, Inc. is a financial holding company based in Rhode Island that operates through its subsidiary, The Washington Trust Company. The company provides a diversified range of financial services including commercial banking, residential mortgage lending, consumer lending, and comprehensive wealth management and trust services. It serves customers primarily throughout southern New England, including Rhode Island, Connecticut, and Massachusetts.
What sector is WASHINGTON TRUST BANCORP INC (WASH) in?
WASHINGTON TRUST BANCORP INC (WASH) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does WASH pay a dividend?
Yes — WASHINGTON TRUST BANCORP INC (WASH) pays a dividend, with an indicated yield of about 5.70% and at least 17 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are WASHINGTON TRUST BANCORP INC's (WASH) competitors?
Notable peers of WASHINGTON TRUST BANCORP INC (WASH) include Citizens Financial Group, Webster Financial Corporation, People's United Bank (acquired by M&T Bank), Berkshire Hills Bancorp and Independent Bank Corp. This peer set is informational only — not financial advice.
Is WASHINGTON TRUST BANCORP INC (WASH) overbought or oversold right now?
WASHINGTON TRUST BANCORP INC (WASH) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 37, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on WASH come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.