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Westamerica Bancorporation WABC R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.westamerica.com
Company Profile ↓
$59.39
+22.66% 1Y
Mkt Cap$1.37B
P/E13.11
P/B1.58
Div. Yield3.22%
52W High$61.96
52W Low$43.73
Book Value$37.35
EPS (TTM)$4.53

Company Overview

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products from local businesses and professionals, as well as retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial real estate, residential real estate, real estate construction, consumer installment loans, as well as indirect automobile loans. The company serves small businesses, professionals, and consumers. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1884 and is headquartered in San Rafael, California.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 13.1, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 43.9%.

Dividend Income

Offers a dividend yield of 3.22%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $258.06M (-12.2% YoY); net profit $116.17M.
  • Trailing 12 Months Year-on-year growth — revenue -2.7%, earnings +4.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR -0.9%, profit CAGR 4.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-0.87%
1 Year:-2.70%

Compounded Profit Growth

5 Years:4.23%
1 Year:4.50%

Stock Price Performance

1 Year:+22.66%
6 Months:+20.35%
3 Months:+5.81%
1 Month:-0.47%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 86% of range
$43.73 $61.96
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.68 · Neutral
Price Performance
1M-0.47%
3M+5.81%
6M+20.35%
1Y+22.66%
Valuation vs Sector

P/E of 13.11 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 43.9%.
  • Attractive dividend yield of 3.22%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -0.9% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.11
Industry PE
14.52
Forward P/E
12.70
PEG Ratio
4.62
Book Value
$37.35
Price to Book
1.58
P/S
5.42
EV/EBITDA
-
Dividend Yield
3.22%

Growth (CAGR)

Revenue 5Y
-0.87%
Profit 5Y
4.23%
Revenue (YoY)
-2.70%
Earnings (YoY)
4.50%

Profitability & Returns

ROCE
-
ROE
12.49%
ROA
1.91%
Profit Margin
43.94%
Op Margin
60.29%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.17
EPS (TTM)
$4.53

Balance Sheet & Liquidity

Debt/Equity
2.38
Quick Ratio
-
Current Ratio
-
Debt
$131.81M
Total Assets
$5.81B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.61%
Chg in Prom Hold
-0.02%
FII / Inst Holding
81.71%
Chg in FII Hold
0.06%

Financial Snapshot

Enterprise Value
$1.37B
Total Revenue (TTM)
$252.20M
EBITDA
-
Free Cash Flow
$119.65M
Operating Cash Flow
$121.90M
Shares Outstanding
23.11M
Gross Margin
0.00%
Payout Ratio
41.06%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 WABC Westamerica Bancorporation R2KR3KFINANCIAL 59.39 13.11 $1.37B 3.22% - 12.49% -0.87% 4.23%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------66.42M64.59M63.74M63.31M62.08M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------3.40M3.19M3.65M3.48M3.29M-
Pretax Income ----------------------------------41.84M39.06M37.94M37.84M36.47M-
Tax Provision ----------------------------------10.80M10.00M9.68M10.04M9.12M-
Net Income 15.63M14.45M15.05M15.80M15.02M4.16M17.51M18.01M16.99M19.05M19.65M19.62M20.39M20.73M16.96M19.56M20.05M23.84M20.15M22.58M22.06M21.72M22.62M25.31M34.76M39.34M40.45M40.25M41.60M39.47M36.42M35.46M35.06M-31.04M29.07M28.26M27.81M27.36M27.39M
Diluted EPS 0.610.560.570.600.570.160.660.670.630.710.730.730.750.770.630.720.740.890.750.840.820.810.840.941.291.461.511.511.561.481.371.331.31-1.161.121.121.121.131.17

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------------264.95M323.64M293.75M258.06M
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income ------------------
EBITDA ------------------
Interest Expense --------------1.93M3.89M17.42M13.71M
Pretax Income --------------165.59M221.58M189.06M156.69M
Tax Provision --------------43.56M59.81M50.42M40.51M
Net Income 59.84M125.43M94.58M87.89M81.13M67.18M60.65M58.75M58.85M50.02M71.56M80.39M80.41M-122.03M161.77M138.64M116.17M
Diluted EPS 2.044.143.213.062.932.502.322.302.291.892.672.982.98-4.546.065.204.52

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --4.98B4.93B5.04B4.95B4.85B5.04B5.17B5.37B5.51B5.57B5.62B6.75B-6.95B6.36B6.08B5.96B
Current Assets -------------------
Cash & Equivalents ---------------294.24M190.31M601.49M567.80M
Inventory -------------------
Receivables ---------------53.56M54.57M44.61M37.14M
Total Liabilities --4.47B4.39B4.48B4.39B4.30B4.51B4.64B4.80B4.92B4.95B4.89B5.90B-6.35B5.59B5.19B5.03B
Current Liabilities -------------------
Long Term Debt -------------------
Total Debt ---------------15.75M18.81M17.98M22.21M
Total Equity 394.60M409.85M505.45M545.29M558.64M560.10M542.93M526.60M532.21M561.37M590.24M615.59M731.42M844.81M-602.11M772.89M889.96M933.51M
Shares Outstanding ---------------26.91M26.67M26.71M24.62M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 93.12M149.03M114.97M120.39M119.46M85.31M82.31M70.40M77.64M80.75M96.63M80.70M107.74M-113.70M158.21M141.57M121.90M
Investing Cash Flow 409.25M840.83M298.51M67.64M5.70M50.92M-295.26M-102.26M-197.26M-73.26M-253.56M-22.30M-748.92M--631.29M547.27M715.68M149.61M
Financing Cash Flow -573.25M-767.61M-435.83M3.21M-163.82M-155.59M121.76M84.07M148.85M105.23M2.22M-105.27M889.03M--320.26M-809.40M-446.07M-305.20M
Capital Expenditure -1.91M-14.18M-1.45M-3.31M-4.83M-1.69M-3.79M-4.47M-1.82M-2.72M-3.12M-3.99M-2.20M--811.00K-1.16M-1.74M-2.25M
Free Cash Flow 91.22M134.85M113.52M117.08M114.63M83.62M78.52M65.93M75.82M78.03M93.51M76.71M105.54M-112.89M157.05M139.83M119.65M
Net Change in Cash ---------------837.85M-103.92M411.18M-33.69M
Share Buybacks 35.91M2.05M28.72M60.51M51.50M57.32M52.16M14.73M5.42M314.00K524.00K488.00K16.50M232.00K218.00K13.75M210.00K103.78M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % --------------46.1%50.0%47.2%45.0%
ROE % 14.6%24.8%17.3%15.7%14.5%12.4%11.5%11.0%10.5%8.5%11.6%11.0%9.5%-20.3%20.9%15.6%12.4%
ROCE % ------------------

Shareholding Pattern

Insiders
3.61%
Institutions
81.71%
Public Float
84.78%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.43% 3.34M $193.70M
2 American Century Companies Inc 8.47% 1.96M $113.71M
3 Vanguard Portfolio Management LLC 7.45% 1.72M $99.92M
4 State Street Corporation 6.03% 1.39M $80.95M
5 Vanguard Capital Management LLC 4.48% 1.03M $60.08M
6 Dimensional Fund Advisors LP 4.26% 983.64K $57.12M
7 Geode Capital Management, LLC 2.71% 627.07K $36.41M
8 AQR Capital Management, LLC 2.14% 495.22K $28.76M
9 Nuveen, LLC 1.65% 382.29K $22.20M
10 Rhino Investment Partners, Inc. 1.41% 324.82K $18.86M

Analyst View

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Latest News

Recent headlines for WABC

Yahoo Finance Mon, 03 Aug 2026

Westamerica Bancorp's Dividend Analysis

This article first appeared on GuruFocus. Westamerica Bancorp (NASDAQ:WABC) recently announced a total dividend of $0.48 per share, with the ex-dividend date set for 2026-08-03. This includes a $0.48 per share cash dividend payable on 202…

Yahoo Finance hu, 23 Jul 2026

Westamerica Bancorporation Declares Quarterly Cash Dividend

SAN RAFAEL, Calif., July 23, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Westamerica Bancorporation (NASDAQ: WABC) today declared a quarterly cash dividend of $0.48 per share on common stock outstanding to shareholders of record at t…

Yahoo Finance hu, 16 Jul 2026

Westamerica Bancorporation Reports Second Quarter 2026 Financial Results

SAN RAFAEL, Calif., July 16, 2026 (GLOBE NEWSWIRE) -- Westamerica Bancorporation (Nasdaq: WABC), parent company of Westamerica Bank, generated net income for the second quarter 2026 of $27.4 million and diluted earnings per common share ("E…

Yahoo Finance hu, 16 Jul 2026

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WABC — Frequently Asked Questions

What is the current share price of Westamerica Bancorporation (WABC)?

As of 2026-09-07 16:24 PDT, Westamerica Bancorporation (WABC) trades at $59.39 on NasdaqGS. Its 52-week range is $43.73 to $61.96.

What is the market capitalisation of WABC?

Westamerica Bancorporation (WABC) has a market capitalisation of $1.37B on NasdaqGS.

What is the P/E ratio of WABC?

WABC trades at a trailing price-to-earnings (P/E) ratio of 13.11. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.58.

Does WABC pay a dividend?

Westamerica Bancorporation (WABC) currently offers a dividend yield of 3.22%.

What is the return on equity (ROE) of WABC?

WABC has a return on equity (ROE) of 12.49%.

Is WABC a good stock to buy?

This page provides a data-driven analysis of Westamerica Bancorporation (WABC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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