WESTAMERICA BANCORPORATION(NASDAQ:WABC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to WABC. WABC was compared to 396 industry peers in the Banks industry. While WABC is still in line with the averages on profitability rating, there are concerns on its financial health. 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.

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1. Profitability

1.1 Basic Checks

WABC had positive earnings in the past year.

In the past year WABC had a positive cash flow from operations.

Each year in the past 5 years WABC has been profitable.

Each year in the past 5 years WABC had a positive operating cash flow.

1.2 Ratios

WABC has a Return On Assets of 2.28%. This is amongst the best in the industry. WABC outperforms 96.97% of its industry peers.

WABC's Return On Equity of 15.58% is amongst the best of the industry. WABC outperforms 93.18% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.28%
ROE	15.58%
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 47.20% is amongst the best of the industry. WABC outperforms 99.49% of its industry peers.

In the last couple of years the Profit Margin of WABC has grown nicely.

WABC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	47.2%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WABC does not have a ROIC to compare to the WACC, probably because it is not profitable.

WABC has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, WABC has less shares outstanding

The debt/assets ratio for WABC is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of WABC is 0.86, which is an excellent value as it means it would take WABC, only 0.86 years of fcf income to pay off all of its debts.

WABC has a Debt to FCF ratio of 0.86. This is in the better half of the industry: WABC outperforms 77.02% of its industry peers.

A Debt/Equity ratio of 0.14 indicates that WABC is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.14, WABC is in the better half of the industry, outperforming 61.87% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	0.86
Altman-Z	N/A

ROIC/WACCN/A

WACC9.49%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WABC have decreased strongly by -16.39% in the last year.

The Earnings Per Share has been growing by 11.61% on average over the past years. This is quite good.

WABC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.10%.

Measured over the past years, WABC shows a small growth in Revenue. The Revenue has been growing by 7.54% on average per year.

EPS 1Y (TTM)-16.39%

EPS 3Y17.26%

EPS 5Y11.61%

EPS Q2Q%-15.33%

Revenue 1Y (TTM)-11.1%

Revenue growth 3Y11%

Revenue growth 5Y7.54%

Sales Q2Q%-12.43%

3.2 Future

Based on estimates for the next years, WABC will show a decrease in Earnings Per Share. The EPS will decrease by -9.79% on average per year.

WABC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.91% yearly.

EPS Next Y-13.02%

EPS Next 2Y-9.79%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-10.68%

Revenue Next 2Y-7.91%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.69, which indicates a very decent valuation of WABC.

79.04% of the companies in the same industry are more expensive than WABC, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 25.82. WABC is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of WABC.

Based on the Price/Forward Earnings ratio, WABC is valued a bit more expensive than 66.16% of the companies in the same industry.

WABC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.69
Fwd PE	11.42

4.2 Price Multiples

WABC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WABC is cheaper than 66.92% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.04
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as WABC's earnings are expected to decrease with -9.79% in the coming years.

PEG (NY)N/A

PEG (5Y)0.84

EPS Next 2Y-9.79%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.63%, WABC has a reasonable but not impressive dividend return.

WABC's Dividend Yield is a higher than the industry average which is at 3.34.

Compared to an average S&P500 Dividend Yield of 2.36, WABC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.63%

5.2 History

The dividend of WABC has a limited annual growth rate of 1.51%.

WABC has paid a dividend for at least 10 years, which is a reliable track record.

WABC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.51%

Div Incr Years34

Div Non Decr Years34

5.3 Sustainability

33.87% of the earnings are spent on dividend by WABC. This is a low number and sustainable payout ratio.

DP33.87%

EPS Next 2Y-9.79%

EPS Next 3YN/A

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WESTAMERICA BANCORPORATION

NASDAQ:WABC (5/23/2025, 9:03:12 PM)

After market: 47.97 0 (0%)

47.97

-0.37 (-0.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/dmh

Earnings (Next)07-16 2025-07-16

Inst Owners78.66%

Inst Owner Change3.19%

Ins Owners4.49%

Ins Owner Change6.41%

Market Cap1.26B

Analysts47.5

Price Target53.55 (11.63%)

Short Float %1.43%

Short Ratio1.84

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.63%

Yearly Dividend1.76

Dividend Growth(5Y)1.51%

DP33.87%

Div Incr Years34

Div Non Decr Years34

Ex-Date05-05 2025-05-05 (0.46)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.3%

Min EPS beat(2)-1.41%

Max EPS beat(2)0.82%

EPS beat(4)2

Avg EPS beat(4)-0.63%

Min EPS beat(4)-2.2%

Max EPS beat(4)0.82%

EPS beat(8)5

Avg EPS beat(8)2.22%

EPS beat(12)8

Avg EPS beat(12)4.98%

EPS beat(16)10

Avg EPS beat(16)3.91%

Revenue beat(2)0

Avg Revenue beat(2)-3.77%

Min Revenue beat(2)-6.87%

Max Revenue beat(2)-0.68%

Revenue beat(4)0

Avg Revenue beat(4)-3.32%

Min Revenue beat(4)-6.87%

Max Revenue beat(4)-0.68%

Revenue beat(8)2

Avg Revenue beat(8)-2.05%

Revenue beat(12)5

Avg Revenue beat(12)-0.15%

Revenue beat(16)6

Avg Revenue beat(16)-0.29%

PT rev (1m)-7.89%

PT rev (3m)-7.89%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-1.39%

Revenue NY rev (3m)-1.39%

Valuation

		Industry Rank	Sector Rank
PE	9.69
Fwd PE	11.42
P/S	4.3
P/FCF	9.04
P/OCF	8.93
P/B	1.42
P/tB	1.65
EV/EBITDA	N/A

EPS(TTM)4.95

EY10.32%

EPS(NY)4.2

Fwd EY8.75%

FCF(TTM)5.3

FCFY11.06%

OCF(TTM)5.37

OCFY11.2%

SpS11.14

BVpS33.76

TBVpS29.14

PEG (NY)N/A

PEG (5Y)0.84

Profitability

		Industry Rank	Sector Rank
ROA	2.28%
ROE	15.58%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	47.2%
GM	N/A
FCFM	47.6%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	0.86
Debt/EBITDA	N/A
Cap/Depr	16.76%
Cap/Sales	0.59%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	100.86%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC9.49%

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)-16.39%

EPS 3Y17.26%

EPS 5Y11.61%

EPS Q2Q%-15.33%

EPS Next Y-13.02%

EPS Next 2Y-9.79%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-11.1%

Revenue growth 3Y11%

Revenue growth 5Y7.54%

Sales Q2Q%-12.43%

Revenue Next Year-10.68%

Revenue Next 2Y-7.91%

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-10.96%

FCF growth 3Y16.96%

FCF growth 5Y12.76%

OCF growth 1Y-10.52%

OCF growth 3Y16.86%

OCF growth 5Y11.9%

WESTAMERICA BANCORPORATION (WABC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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