21.93 USD
+0.65 (+3.05%)
21.93 USD
0 (0%)
Taking everything into account, WTBA scores 5 out of 10 in our fundamental rating. WTBA was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of WTBA while its profitability can be described as average. WTBA is growing strongly while it is still valued neutral. This is a good combination! Finally WTBA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year WTBA was profitable.
WTBA had a positive operating cash flow in the past year.
In the past 5 years WTBA has always been profitable.
WTBA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
WTBA's Return On Assets of 0.81% is in line compared to the rest of the industry. WTBA outperforms 43.70% of its industry peers.
The Return On Equity of WTBA (12.64%) is better than 84.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 12.64% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.99%
ROE(3y)14.39%
ROE(5y)15.37%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WTBA has a Profit Margin of 34.74%. This is amongst the best in the industry. WTBA outperforms 91.26% of its industry peers.
In the last couple of years the Profit Margin of WTBA has declined.
The Operating Margin and Gross Margin are not available for WTBA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.74% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.03%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WTBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WTBA remains at a similar level compared to 1 year ago.
WTBA has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WTBA has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of WTBA is 2.90, which is a good value as it means it would take WTBA, 2.90 years of fcf income to pay off all of its debts.
WTBA has a Debt to FCF ratio of 2.90. This is in the lower half of the industry: WTBA underperforms 60.15% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that WTBA is not too dependend on debt financing.
The Debt to Equity ratio of WTBA (0.47) is worse than 75.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 51.54% over the past year.
Measured over the past years, WTBA shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.04% on average per year.
The Revenue has grown by 20.18% in the past year. This is a very strong growth!
Measured over the past years, WTBA shows a small growth in Revenue. The Revenue has been growing by 1.33% on average per year.
EPS 1Y (TTM)51.54%
EPS 3Y-20.27%
EPS 5Y-3.04%
EPS Q2Q%57.14%
Revenue 1Y (TTM)20.18%
Revenue growth 3Y-8.69%
Revenue growth 5Y1.33%
Sales Q2Q%23.06%
3.2 Future
WTBA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.70% yearly.
WTBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.44% yearly.
EPS Next Y38.99%
EPS Next 2Y27.86%
EPS Next 3Y21.7%
EPS Next 5YN/A
Revenue Next Year20.19%
Revenue Next 2Y15.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.13, which indicates a very decent valuation of WTBA.
WTBA's Price/Earnings ratio is in line with the industry average.
WTBA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
With a Price/Forward Earnings ratio of 8.94, the valuation of WTBA can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WTBA indicates a somewhat cheap valuation: WTBA is cheaper than 66.07% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. WTBA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.94 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTBA indicates a somewhat cheap valuation: WTBA is cheaper than 71.72% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WTBA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as WTBA's earnings are expected to grow with 21.70% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y27.86%
EPS Next 3Y21.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.69%, WTBA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.35, WTBA pays a better dividend. On top of this WTBA pays more dividend than 86.89% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, WTBA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
5.2 History
The dividend of WTBA has a limited annual growth rate of 3.78%.
WTBA has been paying a dividend for at least 10 years, so it has a reliable track record.
WTBA has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.78%
Div Incr Years0
Div Non Decr Years13
5.3 Sustainability
52.75% of the earnings are spent on dividend by WTBA. This is a bit on the high side, but may be sustainable.
WTBA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.75%
EPS Next 2Y27.86%
EPS Next 3Y21.7%
21.93
+0.65 (+3.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46%
Inst Owner Change0.05%
Ins Owners4.3%
Ins Owner Change-0.72%
Market Cap371.49M
Revenue(TTM)92.78M
Net Income(TTM)32.23M
Analysts43.33
Price Target24.48 (11.63%)
Short Float %2.6%
Short Ratio9.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
Yearly Dividend1
Dividend Growth(5Y)3.78%
DP52.75%
Div Incr Years0
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.06%
Min EPS beat(2)2.17%
Max EPS beat(2)15.96%
EPS beat(4)4
Avg EPS beat(4)14.23%
Min EPS beat(4)2.17%
Max EPS beat(4)20.1%
EPS beat(8)6
Avg EPS beat(8)10.17%
EPS beat(12)9
Avg EPS beat(12)8%
EPS beat(16)12
Avg EPS beat(16)6.7%
Revenue beat(2)1
Avg Revenue beat(2)0.35%
Min Revenue beat(2)-0.59%
Max Revenue beat(2)1.3%
Revenue beat(4)2
Avg Revenue beat(4)0.24%
Min Revenue beat(4)-4.56%
Max Revenue beat(4)4.79%
Revenue beat(8)2
Avg Revenue beat(8)-0.75%
Revenue beat(12)2
Avg Revenue beat(12)-2.02%
Revenue beat(16)2
Avg Revenue beat(16)-1.96%
PT rev (1m)17.07%
PT rev (3m)17.07%
EPS NQ rev (1m)12.7%
EPS NQ rev (3m)12.7%
EPS NY rev (1m)7.58%
EPS NY rev (3m)7.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.94 | ||
| P/S | 4 | ||
| P/FCF | 9.04 | ||
| P/OCF | 8.08 | ||
| P/B | 1.46 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.97
EY8.98%
EPS(NY)2.45
Fwd EY11.18%
FCF(TTM)2.43
FCFY11.06%
OCF(TTM)2.72
OCFY12.38%
SpS5.48
BVpS15.05
TBVpS15.05
PEG (NY)0.29
PEG (5Y)N/A
Graham Number25.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 12.64% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.74% | ||
| GM | N/A | ||
| FCFM | 44.29% |
ROA(3y)0.84%
ROA(5y)0.99%
ROE(3y)14.39%
ROE(5y)15.37%
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-14.03%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 2.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 108.39% | ||
| Cap/Sales | 5.29% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 127.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.18%
ROIC/WACCN/A
Cap/Depr(3y)1351.69%
Cap/Depr(5y)958.48%
Cap/Sales(3y)33%
Cap/Sales(5y)21.97%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)51.54%
EPS 3Y-20.27%
EPS 5Y-3.04%
EPS Q2Q%57.14%
EPS Next Y38.99%
EPS Next 2Y27.86%
EPS Next 3Y21.7%
EPS Next 5YN/A
Revenue 1Y (TTM)20.18%
Revenue growth 3Y-8.69%
Revenue growth 5Y1.33%
Sales Q2Q%23.06%
Revenue Next Year20.19%
Revenue Next 2Y15.44%
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 1Y862.34%
FCF growth 3Y-34.2%
FCF growth 5Y-17.18%
OCF growth 1Y61.06%
OCF growth 3Y-11.59%
OCF growth 5Y1.59%
WEST BANCORPORATION / WTBA FAQ
Can you provide the ChartMill fundamental rating for WEST BANCORPORATION?
ChartMill assigns a fundamental rating of 5 / 10 to WTBA.
What is the valuation status of WEST BANCORPORATION (WTBA) stock?
ChartMill assigns a valuation rating of 6 / 10 to WEST BANCORPORATION (WTBA). This can be considered as Fairly Valued.
Can you provide the profitability details for WEST BANCORPORATION?
WEST BANCORPORATION (WTBA) has a profitability rating of 4 / 10.
What is the valuation of WEST BANCORPORATION based on its PE and PB ratios?
The Price/Earnings (PE) ratio for WEST BANCORPORATION (WTBA) is 11.13 and the Price/Book (PB) ratio is 1.46.
How financially healthy is WEST BANCORPORATION?
The financial health rating of WEST BANCORPORATION (WTBA) is 2 / 10.