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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 $55.06, about 29.5% overvalued vs fair value, +13.7% 1Y return, ranked 329/1037 in sector.
Metrics P/E 10.6× Rev Growth -7.5% ROE 12.7% Gross Margin 95.2% Div Yield 3.94%
$55.06
0.31%
As of April 28, 2026
Previous close • Vol 90d: 20.2%
52-Week Range
Market Cap
$1.34B
Enterprise Value
$910.20M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Excellent
Health
Good
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Excellent
Health
Good
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 49%
Updated: Mar 8
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

Earnings Apr 16 Estimated

Fair Value Snapshot

Bear Base Bull
$22
$39
$73
Current: $55.06 -30% 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

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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
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing WABC's balance between Growth (17.4%), Profitability (47.5%), and Safety (35.1%). Growth 17% Safety 35% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
28
Key Signals
Equity Growth YoY 15.2% 82p EPS Growth YoY -12.9% 29p Asset Growth YoY -1.9% 13p NII Growth YoY -10.5% 8p
Strengths
  • Equity Growth YoY in top 20% of peers (15.2%, 82th percentile)
  • Net Interest Margin in top 20% of peers (4.1%, 91th percentile)
  • ROTE in top 20% of peers (19.5%, 92th percentile)
  • ROA in top 20% of peers (2.2%, 95th percentile)
  • Equity/Assets in top 20% of peers (15.7%, 92th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-1.9%)
  • NII Growth YoY in bottom 20% of peers (-10.5%)

Profitability

75th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
56
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Westamerica Bancorporation.

Loading valuation model...
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
- - -
-29.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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