All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2018-12-21.
From the record
Washington Trust Bancorp, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2018-12-21) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.1% a year over 10 filed years; profitable in 9 of 10.
From the record
Washington Trust Bancorp, Inc.'s 10 filed years say what it did: revenue went from $133 million in fiscal 2016 to $318 million in fiscal 2025, up 10.1% a year; it rose in 6 of 9 years; the deepest fall was 20% from fiscal 2019 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 3.5% a year. 81% of cash flow returned. Insiders: 3 sales, 4 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Washington Trust Bancorp, Inc.'s diluted share count grew about 3.5% a year, and dividends and buybacks returned about 81% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales and 4 purchases of their own stock on the open market in the year to 2026-10-28, buying about $1 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 10%: 10¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Washington Trust Bancorp, Inc. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count grew 12.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 41% of 155 in its family; net margin 16.4%.
From the record
Washington Trust Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $318 million in fiscal 2025 ranks in the bottom 48% by size; a net margin of 16.4% ranks in the bottom 24%; revenue growth of 17.8% a year over the last 3 filed years ranks in the top 47% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 38% of 150 in its family for leadership; chief executive since 2018.
From the record
Washington Trust Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Handy, Edward O. III (Chairman and CEO, as filed), filing under that title since 2018-04-03, 8.6 years (top 40% of its family); the 21 officers and directors filing in the last fifteen months have been on the record a median of 8.7 years (top 31%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 21 people in charge now (top 42%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 42% of 142 in its family for room to expand.
From the record
Washington Trust Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $104 million against no long-term debt tagged leaves 1.6% of its assets as net cash, bottom 28% of its family; cash from operations less capital spending is 24.6% of revenue (top 45%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 31% of 152 in its family for growth drivers.
From the record
Washington Trust Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.8% a year over the last three filed years against 10.1% over all 10, speeding up (top 19% of its family); the newest year grew -6.6% (bottom 4%); capital spending grew -31.1% a year (bottom 10%) (its annual reports). Washington Trust Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 38% of 150 in its family for expectations against reality.
From the record
Washington Trust Bancorp, Inc.'s newest year against its own record: revenue of $318 million in fiscal 2025 came in 29.4% below the $451 million its prior three years' pace pointed to (bottom 6% of its family); net income of $52 million against a prior three-year average of $31 million (top 6%); a net margin of 16.4% against 14.7% before (top 14%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made