WABC vs BOKF vs CVBF vs BANR vs FFIN

For growth investors, First Financial Bankshares, Inc.

(FFIN) is the stronger pick with 18. 8% revenue growth year-over-year, versus -5. 0% for Westamerica Bancorporation (WABC). Westamerica Bancorporation (WABC) offers the better valuation at 10. 5x trailing P/E (12. 3x forward), making it the more compelling value choice. Analysts rate Westamerica Bancorporation (WABC) a "Hold" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Westamerica Bancorporation (WABC) is the cheapest at 10.

5x versus First Financial Bankshares, Inc. at 20. 7x. On forward P/E, Banner Corporation is actually cheaper at 10. 5x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Banner Corporation wins at 0. 91x versus CVB Financial Corp. 's 4. 44x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, BOK Financial Corporation (BOKF) delivered a total return of +58.

5%, compared to -28. 2% for First Financial Bankshares, Inc. (FFIN). Over 10 years, the gap is even starker: BOKF returned +166. 8% versus WABC's +54. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Westamerica Bancorporation (WABC) is the lower-risk stock at 0.

61β versus BOK Financial Corporation's 1. 00β — meaning BOKF is approximately 65% more volatile than WABC relative to the S&P 500. On balance sheet safety, First Financial Bankshares, Inc. (FFIN) carries a lower debt/equity ratio of 12% versus 80% for BOK Financial Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), First Financial Bankshares, Inc.

(FFIN) is pulling ahead at 18. 8% versus -5. 0% for Westamerica Bancorporation (WABC). On earnings-per-share growth, the picture is similar: Banner Corporation grew EPS 15. 6% year-over-year, compared to -14. 2% for Westamerica Bancorporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Westamerica Bancorporation (WABC) is the more profitable company, earning 44.

6% net margin versus 15. 6% for BOK Financial Corporation — meaning it keeps 44. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: WABC leads at 60. 8% versus 19. 8% for BOKF. At the gross margin level — before operating expenses — WABC leads at 94. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Banner Corporation (BANR) is the more undervalued stock at a PEG of 0. 91x versus CVB Financial Corp. 's 4. 44x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banner Corporation (BANR) trades at 10. 5x forward P/E versus 15. 9x for First Financial Bankshares, Inc. — 5. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CVBF: 21. 7% to $24. 75.

All stocks in this comparison pay dividends.

CVB Financial Corp. (CVBF) offers the highest yield at 4. 0%, versus 1. 7% for BOK Financial Corporation (BOKF).

For long-horizon retirement investors, Westamerica Bancorporation (WABC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

61), 3. 2% yield). Both have compounded well over 10 years (WABC: +54. 8%, BOKF: +166. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: WABC is a small-cap deep-value stock; BOKF is a mid-cap deep-value stock; CVBF is a small-cap deep-value stock; BANR is a small-cap deep-value stock; FFIN is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.