49.98 USD
-0.9 (-1.77%)
49.98 USD
0 (0%)
WABC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. There are concerns on the financial health of WABC while its profitability can be described as average. WABC has a valuation in line with the averages, but it does not seem to be growing. WABC also has an excellent dividend rating.
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.
WABC had positive earnings in each of the past 5 years.
In the past 5 years WABC always reported a positive cash flow from operatings.
1.2 Ratios
WABC has a better Return On Assets (2.03%) than 96.65% of its industry peers.
WABC has a Return On Equity of 12.89%. This is amongst the best in the industry. WABC outperforms 86.08% 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
The Profit Margin of WABC (45.42%) is better than 99.23% 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.
Compared to 1 year ago, WABC has about the same amount of shares outstanding.
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 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.
With a decent Debt to FCF ratio value of 1.12, WABC is doing good in the industry, outperforming 62.11% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.17%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WABC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.78%.
Measured over the past years, WABC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.61% on average per year.
WABC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.21%.
The Revenue has been growing slightly by 7.54% on average over the past years.
EPS 1Y (TTM)-15.78%
EPS 3Y17.26%
EPS 5Y11.61%
EPS Q2Q%-11.81%
Revenue 1Y (TTM)-13.21%
Revenue growth 3Y11%
Revenue growth 5Y7.54%
Sales Q2Q%-13.95%
3.2 Future
The Earnings Per Share is expected to decrease by -8.32% on average over the next years.
WABC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.55% yearly.
EPS Next Y-11.57%
EPS Next 2Y-10.79%
EPS Next 3Y-8.32%
EPS Next 5YN/A
Revenue Next Year-12.04%
Revenue Next 2Y-10.5%
Revenue Next 3Y-8.55%
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.
4. Valuation
4.1 Price/Earnings Ratio
WABC is valuated reasonably with a Price/Earnings ratio of 10.89.
Compared to the rest of the industry, the Price/Earnings ratio of WABC indicates a somewhat cheap valuation: WABC is cheaper than 72.94% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.38. WABC is valued rather cheaply when compared to this.
WABC is valuated correctly with a Price/Forward Earnings ratio of 12.17.
Based on the Price/Forward Earnings ratio, WABC is valued a bit more expensive than 62.89% of the companies in the same industry.
WABC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 12.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WABC is valued a bit cheaper than 67.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as WABC's earnings are expected to decrease with -8.32% in the coming years.
PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y-10.79%
EPS Next 3Y-8.32%
5. Dividend
5.1 Amount
WABC has a Yearly Dividend Yield of 3.90%.
Compared to an average industry Dividend Yield of 2.73, WABC pays a better dividend. On top of this WABC pays more dividend than 81.70% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, WABC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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
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-10.79%
EPS Next 3Y-8.32%
49.98
-0.9 (-1.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.19%
Inst Owner Change-2.02%
Ins Owners4.81%
Ins Owner Change0%
Market Cap1.25B
Revenue(TTM)264.32M
Net Income(TTM)120.07M
Analysts45.71
Price Target54.06 (8.16%)
Short Float %1.76%
Short Ratio3.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Yearly Dividend1.76
Dividend Growth(5Y)1.51%
DP39.32%
Div Incr Years34
Div Non Decr Years34
Ex-Date
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 | 10.89 | ||
| Fwd PE | 12.17 | ||
| P/S | 4.71 | ||
| P/FCF | 10.15 | ||
| P/OCF | 9.96 | ||
| P/B | 1.34 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.59
EY9.18%
EPS(NY)4.11
Fwd EY8.22%
FCF(TTM)4.93
FCFY9.86%
OCF(TTM)5.02
OCFY10.04%
SpS10.6
BVpS37.37
TBVpS32.49
PEG (NY)N/A
PEG (5Y)0.94
Graham Number62.12
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
WACC9.17%
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)-15.78%
EPS 3Y17.26%
EPS 5Y11.61%
EPS Q2Q%-11.81%
EPS Next Y-11.57%
EPS Next 2Y-10.79%
EPS Next 3Y-8.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.21%
Revenue growth 3Y11%
Revenue growth 5Y7.54%
Sales Q2Q%-13.95%
Revenue Next Year-12.04%
Revenue Next 2Y-10.5%
Revenue Next 3Y-8.55%
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 4 / 10 to WABC.
What is the valuation status for 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.
How financially healthy is WESTAMERICA BANCORPORATION?
The financial health rating of WESTAMERICA BANCORPORATION (WABC) is 3 / 10.
What is the expected EPS growth for WESTAMERICA BANCORPORATION (WABC) stock?
The Earnings per Share (EPS) of WESTAMERICA BANCORPORATION (WABC) is expected to decline by -11.57% in the next year.