WESTAMERICA BANCORPORATION (WABC) Fundamental Analysis & Valuation

NASDAQ:WABC • US9570901036

Current stock price

51.17 USD
-0.3 (-0.58%)
At close:
51.17 USD
0 (0%)
After Hours:

This WABC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. WABC Profitability Analysis

1.1 Basic Checks

  • In the past year WABC was profitable.
  • WABC had a positive operating cash flow in the past year.
  • 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.
WABC Yearly Net Income VS EBIT VS OCF VS FCFWABC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • With an excellent Return On Assets value of 1.95%, WABC belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.44%, WABC belongs to the top of the industry, outperforming 82.37% of the companies in the same industry.
Industry RankSector Rank
ROA 1.95%
ROE 12.44%
ROIC N/A
ROA(3y)2.26%
ROA(5y)1.94%
ROE(3y)16.32%
ROE(5y)15.93%
ROIC(3y)N/A
ROIC(5y)N/A
WABC Yearly ROA, ROE, ROICWABC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • WABC's Profit Margin of 45.02% is amongst the best of the industry. WABC outperforms 98.16% 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 RankSector Rank
OM N/A
PM (TTM) 45.02%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.76%
PM growth 5Y3.25%
GM growth 3YN/A
GM growth 5YN/A
WABC Yearly Profit, Operating, Gross MarginsWABC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. WABC Health Analysis

2.1 Basic Checks

  • WABC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for WABC has been reduced compared to 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.
WABC Yearly Shares OutstandingWABC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
WABC Yearly Total Debt VS Total AssetsWABC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of WABC is 1.15, which is an excellent value as it means it would take WABC, only 1.15 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.15, WABC is doing good in the industry, outperforming 65.79% of the companies in the same industry.
  • A Debt/Equity ratio of 0.15 indicates that WABC is not too dependend on debt financing.
  • The Debt to Equity ratio of WABC (0.15) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.15
Altman-Z N/A
ROIC/WACCN/A
WACC8.95%
WABC Yearly LT Debt VS Equity VS FCFWABC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WABC Yearly Current Assets VS Current LiabilitesWABC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. WABC Growth Analysis

3.1 Past

  • WABC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.40%.
  • WABC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.43% yearly.
  • The Revenue for WABC has decreased by -12.15% in the past year. This is quite bad
  • The Revenue has been growing slightly by 4.25% on average over the past years.
EPS 1Y (TTM)-12.4%
EPS 3Y-0.07%
EPS 5Y9.43%
EPS Q2Q%-5.88%
Revenue 1Y (TTM)-12.15%
Revenue growth 3Y-0.87%
Revenue growth 5Y4.25%
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.
  • Based on estimates for the next years, WABC will show a decrease in Revenue. The Revenue will decrease by -4.67% on average per year.
EPS Next Y-3.98%
EPS Next 2Y-2.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.6%
Revenue Next 2Y-4.67%
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.
WABC Yearly Revenue VS EstimatesWABC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
WABC Yearly EPS VS EstimatesWABC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

4

4. WABC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.32 indicates a reasonable valuation of WABC.
  • Compared to the rest of the industry, the Price/Earnings ratio of WABC is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of WABC to the average of the S&P500 Index (24.88), we can say WABC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.79, the valuation of WABC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WABC indicates a slightly more expensive valuation: WABC is more expensive than 65.26% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. WABC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 11.32
Fwd PE 11.79
WABC Price Earnings VS Forward Price EarningsWABC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • WABC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WABC is cheaper than 64.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.35
EV/EBITDA N/A
WABC Per share dataWABC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)1.2
EPS Next 2Y-2.65%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. WABC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.64%, WABC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, WABC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, WABC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.64%

5.2 History

  • The dividend of WABC has a limited annual growth rate of 2.16%.
  • WABC has paid a dividend for at least 10 years, which is 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)2.16%
Div Incr Years34
Div Non Decr Years34
WABC Yearly Dividends per shareWABC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 40.40% of the earnings are spent on dividend by WABC. This is a bit on the high side, but may be sustainable.
DP40.4%
EPS Next 2Y-2.65%
EPS Next 3YN/A
WABC Yearly Income VS Free CF VS DividendWABC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
WABC Dividend Payout.WABC Dividend Payout, showing the Payout Ratio.WABC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

WABC Fundamentals: All Metrics, Ratios and Statistics

WESTAMERICA BANCORPORATION

NASDAQ:WABC (3/27/2026, 8:00:01 PM)

After market: 51.17 0 (0%)

51.17

-0.3 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15
Earnings (Next)04-16
Inst Owners81.79%
Inst Owner Change-0.95%
Ins Owners4.89%
Ins Owner Change7.99%
Market Cap1.24B
Revenue(TTM)258.06M
Net Income(TTM)116.17M
Analysts45.71
Price Target56.1 (9.63%)
Short Float %2.09%
Short Ratio2.96
Dividend
Industry RankSector Rank
Dividend Yield 3.64%
Yearly Dividend1.83
Dividend Growth(5Y)2.16%
DP40.4%
Div Incr Years34
Div Non Decr Years34
Ex-Date02-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.58%
Min EPS beat(2)2.05%
Max EPS beat(2)3.1%
EPS beat(4)4
Avg EPS beat(4)2.54%
Min EPS beat(4)2.05%
Max EPS beat(4)3.1%
EPS beat(8)6
Avg EPS beat(8)0.95%
EPS beat(12)9
Avg EPS beat(12)2.33%
EPS beat(16)12
Avg EPS beat(16)4.37%
Revenue beat(2)1
Avg Revenue beat(2)-1.2%
Min Revenue beat(2)-2.66%
Max Revenue beat(2)0.27%
Revenue beat(4)1
Avg Revenue beat(4)-1.94%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)0.27%
Revenue beat(8)1
Avg Revenue beat(8)-2.63%
Revenue beat(12)3
Avg Revenue beat(12)-2.01%
Revenue beat(16)6
Avg Revenue beat(16)-0.6%
PT rev (1m)0%
PT rev (3m)3.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.44%
EPS NY rev (1m)0%
EPS NY rev (3m)5.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.56%
Valuation
Industry RankSector Rank
PE 11.32
Fwd PE 11.79
P/S 4.8
P/FCF 10.35
P/OCF 10.15
P/B 1.33
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)4.52
EY8.83%
EPS(NY)4.34
Fwd EY8.48%
FCF(TTM)4.95
FCFY9.67%
OCF(TTM)5.04
OCFY9.85%
SpS10.67
BVpS38.59
TBVpS33.56
PEG (NY)N/A
PEG (5Y)1.2
Graham Number62.65
Profitability
Industry RankSector Rank
ROA 1.95%
ROE 12.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 45.02%
GM N/A
FCFM 46.37%
ROA(3y)2.26%
ROA(5y)1.94%
ROE(3y)16.32%
ROE(5y)15.93%
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 3Y-0.76%
PM growth 5Y3.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.15
Debt/EBITDA N/A
Cap/Depr 31%
Cap/Sales 0.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 102.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.95%
ROIC/WACCN/A
Cap/Depr(3y)19.21%
Cap/Depr(5y)14.05%
Cap/Sales(3y)0.61%
Cap/Sales(5y)0.55%
Profit Quality(3y)100.31%
Profit Quality(5y)98.9%
High Growth Momentum
Growth
EPS 1Y (TTM)-12.4%
EPS 3Y-0.07%
EPS 5Y9.43%
EPS Q2Q%-5.88%
EPS Next Y-3.98%
EPS Next 2Y-2.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.15%
Revenue growth 3Y-0.87%
Revenue growth 5Y4.25%
Sales Q2Q%-4.46%
Revenue Next Year-6.6%
Revenue Next 2Y-4.67%
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-14.43%
FCF growth 3Y1.95%
FCF growth 5Y2.55%
OCF growth 1Y-13.9%
OCF growth 3Y2.35%
OCF growth 5Y2.51%

WESTAMERICA BANCORPORATION / WABC Fundamental Analysis FAQ

What is the fundamental rating for WABC stock?

ChartMill assigns a fundamental rating of 4 / 10 to WABC.


What is the valuation status of WESTAMERICA BANCORPORATION (WABC) stock?

ChartMill assigns a valuation rating of 4 / 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 5 / 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 -3.98% in the next year.