WABC logo

WESTAMERICA BANCORPORATION

WABCNASDAQ
πŸ† #2157 by market capEarnings Jan 13US Equity
$61.40β–² $0.48 (+0.79%)
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24hβ–² 0.8%
7dβ–² 0.0%
14dβ–² 0.2%
30dβ–² 5.3%
ytdβ–² 28.4%
1yβ–² 28.1%
🏦Market Cap
$1.42B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-12.6%
Declining
πŸ“ŠGross Margin
95.0%
High
πŸ’΅FCF Margin
29.9%
Strong
βš–οΈP/S Ratio
5.3x
Fair
Otter Score
68
Fair

Trading Snapshot

Day Range
$61.19 – $62.19
52-Week Range
$46.23 – $63.61
Volume (shares)
134,111
Avg Volume (shares)
β€”
Shares Outstanding
23.1M
Next Earnings
2027-01-13

Fundamentals Snapshot

Annual Revenue
$272M
Last Q Revenue
$68M
P/E Ratio
13.2
P/S Ratio
5.3x
EPS (TTM)
$4.80
Dividend Yield
3.06%
Dilution (1yr)
βˆ’6.9%
WABC logo

WESTAMERICA BANCORPORATION

WABC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$272Mβ–Ό βˆ’12.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
95.2%β–² +0.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$157Mβ–Ό βˆ’17.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$120Mβ–Ό βˆ’14.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
24.8Mβ–Ό βˆ’6.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$408Mβ–Ό βˆ’$55M YoY
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About WESTAMERICA BANCORPORATION

Westamerica Bancorporation (WABC) functions as a bank holding company, overseeing Westamerica Bank. Through its subsidiary, it delivers a comprehensive suite of financial products and services to both individual consumers and commercial enterprises. Its deposit offerings cater to retail customers, encompassing savings accounts, checking accounts, and certificates of deposit. The institution's lending activities are diverse, featuring commercial loans, financing for both commercial and residential real estate, construction loans, consumer installment loans, and indirect automobile lending. Geographically, WABC maintains a presence across 21 counties in Northern and Central California, operating 78 branch locations. Incorporated in 1972, the company was initially known as Independent Bankshares Corporation. It adopted its current name, Westamerica Bancorporation, in 1983. Its corporate headquarters are situated in San Rafael, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Sell
7 analysts
Strong Buy0
Buy0
Hold4
Sell1
Strong Sell2
Ratings as of Oct 2026

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