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Company Analysis

Westamerica Bancorporation WABC

A comprehensive view of key metrics, scores, and financial health for Westamerica Bancorporation

Overview of Westamerica Bancorporation

WABC NMS
Financial Services Banks - Regional Small Cap
Westamerica Bancorporation (WABC), is a Small Cap company, in the Banks - Regional industry, last closed at $50.32, about 22.9% overvalued vs fair value, -1.7% 1Y return, ranked 337/1004 in sector.
$50.32
0.50%
As of March 13, 2026
Previous close • Vol 90d: 22.3%
52-Week Range
Market Cap
$1.22B
Enterprise Value
$791.40M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.westamerica.com
HQ San Rafael, CA
Employees 608
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$22
$39
$73
Current: $50.32 -23% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$268.0M
-5.6%%
Interest Expense
$13.7M
Net Interest Income
$250.6M
-10.5%%
Total Revenue
$271.8M
-7.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.6%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$47.1M
34.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Westamerica Bancorporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
75
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing WABC's balance between Growth (4.7%), Profitability (47.9%), and Safety (47.4%). Growth 5% Safety 47% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

9th percentile vs peers
9
Key Signals
Asset Growth YoY -1.9% 13p Revenue CAGR 3Y 0.9% 9p Rev Growth YoY -7.5% 6p
Strengths
  • Roe in top 20% of peers (16.7%, 95th percentile)
  • Operating Margin in top 20% of peers (57.6%, 97th percentile)
  • Roa in top 20% of peers (2.2%, 95th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 9)
  • Asset Growth Yoy in bottom 20% of peers (-1.9%)
  • Rev Growth Yoy in bottom 20% of peers (-7.5%)

Profitability

96th percentile vs peers
96
Key Signals
Strengths
Risks
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Safety

95th percentile vs peers
95
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Westamerica Bancorporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$38.81
- - -
-22.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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