WABC Fundamental Analysis - WESTAMERICA BANCORPORATION

Fundamental Rating

WABC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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 it does not seem to be growing. WABC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year WABC was profitable.

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

In the past 5 years WABC has always been profitable.

In the past 5 years WABC always reported a positive cash flow from operatings.

1.2 Ratios

WABC's Return On Assets of 2.18% is amongst the best of the industry. WABC outperforms 96.69% of its industry peers.

WABC has a better Return On Equity (13.76%) than 90.59% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.18%
ROE	13.76%
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 has a better Profit Margin (46.19%) than 99.49% of its industry peers.

WABC's Profit Margin has improved in the last couple of years.

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)	46.19%
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.

The number of shares outstanding for WABC remains at a similar level 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.

2.2 Solvency

The Debt to FCF ratio of WABC is 0.75, which is an excellent value as it means it would take WABC, only 0.75 years of fcf income to pay off all of its debts.

WABC's Debt to FCF ratio of 0.75 is fine compared to the rest of the industry. WABC outperforms 78.88% of its industry peers.

WABC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.11, WABC is doing good in the industry, outperforming 67.18% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	0.75
Altman-Z	N/A

ROIC/WACCN/A

WACC9.25%

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

WABC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.42%.

WABC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.61% yearly.

Looking at the last year, WABC shows a very negative growth in Revenue. The Revenue has decreased by -12.38% in the last year.

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)-17.42%

EPS 3Y17.26%

EPS 5Y11.61%

EPS Q2Q%-15.79%

Revenue 1Y (TTM)-12.38%

Revenue growth 3Y11%

Revenue growth 5Y7.54%

Sales Q2Q%-12.64%

3.2 Future

WABC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.37% yearly.

The Revenue is expected to decrease by -9.87% on average over the next years.

EPS Next Y-12.74%

EPS Next 2Y-10.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-11.66%

Revenue Next 2Y-9.87%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.70, the valuation of WABC can be described as reasonable.

Based on the Price/Earnings ratio, WABC is valued a bit cheaper than the industry average as 76.34% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of WABC to the average of the S&P500 Index (27.24), we can say WABC is valued rather cheaply.

The Price/Forward Earnings ratio is 12.24, which indicates a correct valuation of WABC.

Based on the Price/Forward Earnings ratio, WABC is valued a bit more expensive than the industry average as 66.92% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, WABC is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	10.7
Fwd PE	12.24

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of WABC indicates a somewhat cheap valuation: WABC is cheaper than 70.99% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.63
EV/EBITDA	N/A

4.3 Compensation for Growth

WABC's earnings are expected to decrease with -10.37% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.92

EPS Next 2Y-10.37%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

WABC has a Yearly Dividend Yield of 3.78%. 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 3.30.

Compared to an average S&P500 Dividend Yield of 2.34, WABC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.78%

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 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

37.25% of the earnings are spent on dividend by WABC. This is a low number and sustainable payout ratio.

DP37.25%

EPS Next 2Y-10.37%

EPS Next 3YN/A

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WESTAMERICA BANCORPORATION

NASDAQ:WABC (8/22/2025, 8:00:02 PM)

After market: 50.74 0 (0%)

50.74

+2.04 (+4.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/dmh

Earnings (Next)10-15 2025-10-15

Inst Owners82.68%

Inst Owner Change-4.71%

Ins Owners4.69%

Ins Owner Change-4.69%

Market Cap1.29B

Analysts45.71

Price Target55.08 (8.55%)

Short Float %1.4%

Short Ratio2.6

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.78%

Yearly Dividend1.76

Dividend Growth(5Y)1.51%

DP37.25%

Div Incr Years34

Div Non Decr Years34

Ex-Date08-04 2025-08-04 (0.46)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)2.51%

Min EPS beat(2)2.39%

Max EPS beat(2)2.62%

EPS beat(4)3

Avg EPS beat(4)1.11%

Min EPS beat(4)-1.41%

Max EPS beat(4)2.62%

EPS beat(8)5

Avg EPS beat(8)1.03%

EPS beat(12)8

Avg EPS beat(12)4.06%

EPS beat(16)11

Avg EPS beat(16)3.94%

Revenue beat(2)0

Avg Revenue beat(2)-2.68%

Min Revenue beat(2)-3.34%

Max Revenue beat(2)-2.03%

Revenue beat(4)0

Avg Revenue beat(4)-3.23%

Min Revenue beat(4)-6.87%

Max Revenue beat(4)-0.68%

Revenue beat(8)1

Avg Revenue beat(8)-2.32%

Revenue beat(12)3

Avg Revenue beat(12)-0.94%

Revenue beat(16)5

Avg Revenue beat(16)-0.73%

PT rev (1m)-1.82%

PT rev (3m)2.86%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.89%

EPS NY rev (1m)1.48%

EPS NY rev (3m)0.33%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.07%

Revenue NY rev (1m)-1.67%

Revenue NY rev (3m)-1.1%

Valuation

		Industry Rank	Sector Rank
PE	10.7
Fwd PE	12.24
P/S	4.7
P/FCF	9.63
P/OCF	9.48
P/B	1.4
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)4.74

EY9.34%

EPS(NY)4.15

Fwd EY8.17%

FCF(TTM)5.27

FCFY10.38%

OCF(TTM)5.35

OCFY10.55%

SpS10.79

BVpS36.21

TBVpS31.43

PEG (NY)N/A

PEG (5Y)0.92

Profitability

		Industry Rank	Sector Rank
ROA	2.18%
ROE	13.76%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	46.19%
GM	N/A
FCFM	48.84%

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-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	0.75
Debt/EBITDA	N/A
Cap/Depr	23.78%
Cap/Sales	0.76%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	105.74%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC9.25%

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)-17.42%

EPS 3Y17.26%

EPS 5Y11.61%

EPS Q2Q%-15.79%

EPS Next Y-12.74%

EPS Next 2Y-10.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-12.38%

Revenue growth 3Y11%

Revenue growth 5Y7.54%

Sales Q2Q%-12.64%

Revenue Next Year-11.66%

Revenue Next 2Y-9.87%

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-24.72%

FCF growth 3Y16.96%

FCF growth 5Y12.76%

OCF growth 1Y-23.89%

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

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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