WESTAMERICA BANCORPORATION (WABC) Stock Fundamental Analysis

NASDAQ:WABC • US9570901036

52.21 USD
+0.05 (+0.1%)
At close: Feb 13, 2026
52.21 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WABC. WABC was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of WABC while its profitability can be described as average. WABC is valued correctly, but it does not seem to be growing. Finally WABC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

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.
  • In the past 5 years WABC has always been profitable.
  • Of the past 5 years WABC 4 years 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

  • WABC has a Return On Assets of 2.03%. This is amongst the best in the industry. WABC outperforms 96.59% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.89%, WABC belongs to the top of the industry, outperforming 86.09% of the companies in the same industry.
Industry RankSector Rank
ROA 2.03%
ROE 12.89%
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

  • With an excellent Profit Margin value of 45.42%, WABC belongs to the best of the industry, outperforming 98.95% of the companies in the same industry.
  • 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) 45.42%
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 less shares outstanding than it did 1 year ago.
  • WABC has less shares outstanding than it did 5 years ago.
  • WABC has a worse debt/assets ratio than last year.
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 1.12, which is an excellent value as it means it would take WABC, only 1.12 years of fcf income to pay off all of its debts.
  • WABC's Debt to FCF ratio of 1.12 is fine compared to the rest of the industry. WABC outperforms 62.47% of its industry peers.
  • 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.12
Altman-Z N/A
ROIC/WACCN/A
WACC9.04%
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

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

1

3. Growth

3.1 Past

  • The earnings per share for WABC have decreased strongly by -12.40% in the last year.
  • Measured over the past years, WABC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.43% on average per year.
  • Looking at the last year, WABC shows a very negative growth in Revenue. The Revenue has decreased by -12.15% in the last year.
  • WABC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.25% yearly.
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.
  • The Revenue is expected to decrease by -4.67% on average over the next years.
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

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

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • WABC is valuated reasonably with a Price/Earnings ratio of 11.55.
  • Based on the Price/Earnings ratio, WABC is valued a bit cheaper than the industry average as 65.35% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, WABC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 12.03, the valuation of WABC can be described as correct.
  • 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 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.55
Fwd PE 12.03
WABC Price Earnings VS Forward Price EarningsWABC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, WABC is valued a bit cheaper than the industry average as 69.55% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.47
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)1.22
EPS Next 2Y-2.65%
EPS Next 3YN/A

More info and screens

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

7

5. Dividend

5.1 Amount

  • WABC has a Yearly Dividend Yield of 3.64%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, WABC pays a bit more dividend than its industry peers.
  • WABC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 3.64%

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
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

  • 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
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

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Find the best dividend stocksShow peers with best dividend

WESTAMERICA BANCORPORATION

NASDAQ:WABC (2/13/2026, 8:00:01 PM)

After market: 52.21 0 (0%)

52.21

+0.05 (+0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15
Earnings (Next)04-15
Inst Owners80.21%
Inst Owner Change-93.04%
Ins Owners4.81%
Ins Owner Change9.01%
Market Cap1.29B
Revenue(TTM)258.06M
Net Income(TTM)120.07M
Analysts45.71
Price Target56.1 (7.45%)
Short Float %1.68%
Short Ratio2.85
Dividend
Industry RankSector Rank
Dividend Yield 3.64%
Yearly Dividend1.76
Dividend Growth(5Y)1.51%
DP39.32%
Div Incr Years34
Div Non Decr Years34
Ex-Date02-02
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)3.77%
PT rev (3m)3.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.51%
EPS NY rev (3m)5.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.56%
Revenue NY rev (3m)2.56%
Valuation
Industry RankSector Rank
PE 11.55
Fwd PE 12.03
P/S 4.86
P/FCF 10.47
P/OCF 10.27
P/B 1.38
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)4.52
EY8.66%
EPS(NY)4.34
Fwd EY8.31%
FCF(TTM)4.99
FCFY9.55%
OCF(TTM)5.08
OCFY9.73%
SpS10.74
BVpS37.84
TBVpS32.9
PEG (NY)N/A
PEG (5Y)1.22
Graham Number62.04
Profitability
Industry RankSector 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)2.26%
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 1.12
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
WACC9.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 1Y19.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y20.51%
OCF growth 3YN/A
OCF growth 5YN/A

WESTAMERICA BANCORPORATION / WABC 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.