49.86 USD
-1.04 (-2.04%)
49.86 USD
0 (0%)
WABC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. WABC has a medium profitability rating, but doesn't score so well on its financial health evaluation. WABC has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally WABC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year WABC was profitable.
- WABC had a positive operating cash flow in the past year.
- Of the past 5 years WABC 4 years were profitable.
- WABC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 2.03%, WABC belongs to the best of the industry, outperforming 96.34% of the companies in the same industry.
- WABC's Return On Equity of 12.89% is amongst the best of the industry. WABC outperforms 86.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 12.89% | ||
| ROIC | N/A |
ROA(3y)2.19%
ROA(5y)1.79%
ROE(3y)18.92%
ROE(5y)15.35%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- WABC's Profit Margin of 45.42% is amongst the best of the industry. WABC outperforms 98.96% of its industry peers.
- In the last couple of years the Profit Margin of WABC has grown nicely.
- The Operating Margin and Gross Margin are not available for WABC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 45.42% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.43%
PM growth 5Y3.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- WABC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for WABC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- WABC has a debt to FCF ratio of 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 1.12, WABC is doing good in the industry, outperforming 62.40% of the companies in the same industry.
- WABC has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
- WABC has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for WABC have decreased strongly by -12.40% in the last year.
- WABC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.43% yearly.
EPS 1Y (TTM)-12.4%
EPS 3Y-0.07%
EPS 5Y9.43%
EPS Q2Q%-5.88%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.46%
3.2 Future
- Based on estimates for the next years, WABC will show a decrease in Earnings Per Share. The EPS will decrease by -2.65% on average per year.
- The Revenue is expected to decrease by -6.75% on average over the next years.
EPS Next Y-6.33%
EPS Next 2Y-2.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-8.93%
Revenue Next 2Y-6.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.03, the valuation of WABC can be described as very reasonable.
- Based on the Price/Earnings ratio, WABC is valued a bit cheaper than 70.50% of the companies in the same industry.
- WABC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- With a Price/Forward Earnings ratio of 11.78, the valuation of WABC can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of WABC is on the same level as its industry peers.
- WABC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.03 | ||
| Fwd PE | 11.78 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, WABC is valued a bit cheaper than the industry average as 65.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- WABC's earnings are expected to decrease with -2.65% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.17
EPS Next 2Y-2.65%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- WABC has a Yearly Dividend Yield of 3.69%. Purely for dividend investing, there may be better candidates out there.
- WABC's Dividend Yield is a higher than the industry average which is at 2.86.
- Compared to an average S&P500 Dividend Yield of 1.84, WABC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
5.2 History
- The dividend of WABC has a limited annual growth rate of 1.51%.
- WABC has been paying a dividend for at least 10 years, so it has a reliable track record.
- WABC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.51%
Div Incr Years34
Div Non Decr Years34
5.3 Sustainability
- 39.32% of the earnings are spent on dividend by WABC. This is a low number and sustainable payout ratio.
DP39.32%
EPS Next 2Y-2.65%
EPS Next 3YN/A
49.86
-1.04 (-2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15 2026-01-15/dmh
Earnings (Next)04-15 2026-04-15
Inst Owners80.21%
Inst Owner Change-0.52%
Ins Owners4.81%
Ins Owner Change0%
Market Cap1.24B
Revenue(TTM)N/A
Net Income(TTM)120.07M
Analysts45.71
Price Target54.06 (8.42%)
Short Float %1.88%
Short Ratio3.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Yearly Dividend1.76
Dividend Growth(5Y)1.51%
DP39.32%
Div Incr Years34
Div Non Decr Years34
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.33%
Min EPS beat(2)2.05%
Max EPS beat(2)2.62%
EPS beat(4)3
Avg EPS beat(4)1.41%
Min EPS beat(4)-1.41%
Max EPS beat(4)2.62%
EPS beat(8)5
Avg EPS beat(8)0.49%
EPS beat(12)8
Avg EPS beat(12)1.98%
EPS beat(16)11
Avg EPS beat(16)4%
Revenue beat(2)0
Avg Revenue beat(2)-3%
Min Revenue beat(2)-3.34%
Max Revenue beat(2)-2.66%
Revenue beat(4)0
Avg Revenue beat(4)-3.72%
Min Revenue beat(4)-6.87%
Max Revenue beat(4)-2.03%
Revenue beat(8)0
Avg Revenue beat(8)-2.93%
Revenue beat(12)2
Avg Revenue beat(12)-2.17%
Revenue beat(16)5
Avg Revenue beat(16)-0.9%
PT rev (1m)0%
PT rev (3m)-1.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.53%
EPS NY rev (1m)0%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.03 | ||
| Fwd PE | 11.78 | ||
| P/S | 4.7 | ||
| P/FCF | 10.12 | ||
| P/OCF | 9.94 | ||
| P/B | 1.33 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.52
EY9.07%
EPS(NY)4.23
Fwd EY8.49%
FCF(TTM)4.93
FCFY9.88%
OCF(TTM)5.02
OCFY10.06%
SpS10.6
BVpS37.37
TBVpS32.49
PEG (NY)N/A
PEG (5Y)1.17
Graham Number61.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 12.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 45.42% | ||
| GM | N/A | ||
| FCFM | 46.46% |
ROA(3y)2.19%
ROA(5y)1.79%
ROE(3y)18.92%
ROE(5y)15.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.43%
PM growth 5Y3.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 27.67% | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.29% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.24%
ROIC/WACCN/A
Cap/Depr(3y)10.48%
Cap/Depr(5y)9.8%
Cap/Sales(3y)0.42%
Cap/Sales(5y)0.58%
Profit Quality(3y)96.83%
Profit Quality(5y)104.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-12.4%
EPS 3Y-0.07%
EPS 5Y9.43%
EPS Q2Q%-5.88%
EPS Next Y-6.33%
EPS Next 2Y-2.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.46%
Revenue Next Year-8.93%
Revenue Next 2Y-6.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.7%
FCF growth 3Y16.96%
FCF growth 5Y12.76%
OCF growth 1Y-39.85%
OCF growth 3Y16.86%
OCF growth 5Y11.9%
WESTAMERICA BANCORPORATION / WABC FAQ
What is the fundamental rating for WABC stock?
ChartMill assigns a fundamental rating of 3 / 10 to WABC.
What is the valuation status of WESTAMERICA BANCORPORATION (WABC) stock?
ChartMill assigns a valuation rating of 5 / 10 to WESTAMERICA BANCORPORATION (WABC). This can be considered as Fairly Valued.
What is the profitability of WABC stock?
WESTAMERICA BANCORPORATION (WABC) has a profitability rating of 4 / 10.
What is the financial health of WESTAMERICA BANCORPORATION (WABC) stock?
The financial health rating of WESTAMERICA BANCORPORATION (WABC) is 3 / 10.
What is the earnings growth outlook for WESTAMERICA BANCORPORATION?
The Earnings per Share (EPS) of WESTAMERICA BANCORPORATION (WABC) is expected to decline by -6.33% in the next year.