8-K Announcements
6Apr 24, 2026·SEC
Apr 23, 2026·SEC
Jan 29, 2026·SEC
West Bancorporation, Inc. (WTBA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
West Bancorporation, Inc. (WTBA) stock price & volume — 10-year historical chart
West Bancorporation, Inc. (WTBA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
West Bancorporation, Inc. (WTBA) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.61vs $0.59+3.4% | $27Mvs $27M-0.5% |
| Q1 2026 | Jan 29, 2026 | $0.61vs $0.57+7.0% | $27Mvs $27M+2.4% |
| Q4 2025 | Oct 23, 2025 | $0.55vs $0.47+17.0% | $25Mvs $25M-1.9% |
| Q3 2025 | Jul 24, 2025 | $0.47vs $0.45+4.4% | $24Mvs $24M-2.3% |
West Bancorporation, Inc. (WTBA) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
West Bancorporation, Inc. (WTBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
West Bancorporation, Inc. (WTBA) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 60.06M | 62.06M | 66.43M | 82.83M | 95.06M | 91.74M | 69.03M | 71.36M | 88.98M | 92.51M |
| NII Growth % | 5.15% | 3.33% | 7.04% | 24.69% | 14.76% | -3.49% | -24.75% | 3.38% | 24.69% | 91.15% |
| Net Interest Margin % | 2.84% | 2.7% | 2.69% | 2.6% | 2.72% | 2.54% | 1.8% | 1.78% | 2.15% | 2.31% |
| Interest Income | 73.03M | 84.79M | 98.67M | 100.23M | 107.28M | 123.35M | 160.31M | 190.07M | 192.22M | 193.48M |
| Interest Expense | 12.98M | 22.73M | 32.24M | 17.4M | 12.22M | 31.61M | 91.27M | 118.7M | 103.24M | 100.97M |
| Loan Loss Provision | 0 | -250K | 600K | 12M | -1.5M | -2.5M | 700K | 1M | 0 | 0 |
| Non-Interest Income | 8.65M | 7.75M | 8.32M | 9.14M | 9.14M | 10.21M | 9.44M | 7.77M | 6.26M | 6.21M |
| Non-Interest Income % | 10.59% | 8.38% | 7.77% | 8.36% | 7.85% | 7.64% | 5.56% | 3.93% | 3.16% | 3.11% |
| Total Revenue | 81.68M▲ 0% | 92.55M▲ 13.3% | 106.99M▲ 15.6% | 109.37M▲ 2.2% | 116.42M▲ 6.4% | 133.56M▲ 14.7% | 169.75M▲ 27.1% | 197.84M▲ 16.5% | 198.49M▲ 0.3% | 199.69M▲ 0% |
| Revenue Growth % | 13.26% | 13.3% | 15.61% | 2.22% | 6.44% | 14.72% | 27.1% | 16.55% | 0.33% | 0.93% |
| Non-Interest Expense | 32.27M | 34.99M | 38.41M | 38.59M | 42.79M | 45.05M | 47.99M | 50.69M | 53.83M | 53.9M |
| Efficiency Ratio | 39.5% | 37.81% | 35.9% | 35.28% | 36.75% | 33.73% | 28.27% | 25.62% | 27.12% | 26.99% |
| Operating Income | 36.44M▲ 0% | 35.07M▼ 3.8% | 35.74M▲ 1.9% | 41.38M▲ 15.8% | 62.91M▲ 52.0% | 59.4M▼ 5.6% | 29.79M▼ 49.9% | 27.44M▼ 7.9% | 41.42M▲ 50.9% | 44.82M▲ 0% |
| Operating Margin % | 44.61% | 37.89% | 33.41% | 37.83% | 54.04% | 44.47% | 17.55% | 13.87% | 20.87% | 22.45% |
| Operating Income Growth % | 10.58% | -3.76% | 1.92% | 15.78% | 52.02% | -5.58% | -49.85% | -7.87% | 50.92% | - |
| Pretax Income | 36.44M▲ 0% | 35.07M▼ 3.8% | 35.74M▲ 1.9% | 41.38M▲ 15.8% | 62.91M▲ 52.0% | 59.4M▼ 5.6% | 29.79M▼ 49.9% | 27.44M▼ 7.9% | 41.42M▲ 50.9% | 44.86M▲ 0% |
| Pretax Margin % | 44.61% | 37.89% | 33.41% | 37.83% | 54.04% | 44.47% | 17.55% | 13.87% | 20.87% | 22.46% |
| Income Tax | 13.37M | 6.56M | 7.05M | 8.67M | 13.3M | 13M | 5.65M | 3.39M | 8.86M | 9.57M |
| Effective Tax Rate % | 36.69% | 18.71% | 19.73% | 20.95% | 21.14% | 21.88% | 18.97% | 12.36% | 21.39% | 21.33% |
| Net Income | 23.07M▲ 0% | 28.51M▲ 23.6% | 28.69M▲ 0.6% | 32.71M▲ 14.0% | 49.61M▲ 51.6% | 46.4M▼ 6.5% | 24.14M▼ 48.0% | 24.05M▼ 0.4% | 32.56M▲ 35.4% | 35.29M▲ 0% |
| Net Margin % | 28.24% | 30.8% | 26.81% | 29.91% | 42.61% | 34.74% | 14.22% | 12.16% | 16.4% | 17.67% |
| Net Income Growth % | 0.23% | 23.57% | 0.64% | 14.02% | 51.65% | -6.47% | -47.98% | -0.36% | 35.38% | 35.3% |
| Net Income (Continuing) | 23.07M | 28.51M | 28.69M | 32.71M | 49.61M | 46.4M | 24.14M | 24.05M | 32.56M | 35.29M |
| EPS (Diluted) | 1.41▲ 0% | 1.74▲ 23.4% | 1.74▲ 0.0% | 1.98▲ 13.8% | 2.95▲ 49.0% | 2.76▼ 6.4% | 1.44▼ 47.8% | 1.42▼ 1.4% | 1.92▲ 35.2% | 2.07▲ 0% |
| EPS Growth % | -0.7% | 23.4% | 0% | 13.79% | 48.99% | -6.44% | -47.83% | -1.39% | 35.21% | 34.42% |
| EPS (Basic) | 1.42 | 1.75 | 1.75 | 1.99 | 3.00 | 2.79 | 1.44 | 1.43 | 1.92 | - |
| Diluted Shares Outstanding | 16.34M | 16.4M | 16.48M | 16.52M | 16.79M | 16.8M | 16.75M | 16.89M | 17.02M | 17.02M |
West Bancorporation, Inc. (WTBA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 479.17M | 500.13M | 436.39M | 498.26M | 951.65M | 689.01M | 689.28M | 788.04M | 493.62M | 2.05B |
| Cash & Due from Banks | 34.95M | 46.37M | 37.81M | 77.69M | 192.82M | 26.54M | 65.36M | 243.48M | 25.17M | 40.02M |
| Short Term Investments | 444.22M | 453.76M | 398.58M | 420.57M | 758.82M | 664.12M | 623.92M | 544.57M | 468.45M | 456.41M |
| Total Investments | 1.98B | 2.16B | 2.32B | 2.67B | 3.19B | 3.38B | 3.52B | 3.52B | 3.44B | 456.41M |
| Investments Growth % | 17.19% | 8.83% | 7.6% | 15.01% | 19.27% | 6.11% | 4.19% | -0.12% | -2.26% | -93.8% |
| Long-Term Investments | 1.54B | 1.71B | 1.92B | 2.25B | 2.43B | 2.72B | 2.9B | 2.97B | 3.15B | 9.47B |
| Accounts Receivables | 7.34M | 7.63M | 7.13M | 11.23M | 8.89M | 11.99M | 13.58M | 12.82M | 11.98M | 12.61M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 23.02M | 21.49M | 29.68M | 29.08M | 34.57M | 53.12M | 86.4M | 109.98M | 108.38M | 107.62M |
| Other Assets | 60.6M | 55.66M | 70.7M | 384.74M | 66.44M | 103.48M | 103.01M | 96.51M | -3.15B | 0 |
| Total Current Assets | 486.51M | 507.76M | 443.52M | 509.5M | 960.54M | 701M | 702.86M | 800.87M | 493.62M | 509.04M |
| Total Non-Current Assets | 1.63B | 1.79B | 2.03B | 2.68B | 2.54B | 2.91B | 3.12B | 3.21B | 108.38M | 133.55M |
| Total Assets | 2.11B▲ 0% | 2.3B▲ 8.6% | 2.47B▲ 7.7% | 3.19B▲ 28.8% | 3.5B▲ 9.9% | 3.61B▲ 3.2% | 3.83B▲ 5.9% | 4.01B▲ 4.9% | 4.14B▲ 3.2% | 4.01B▲ 0% |
| Asset Growth % | 14.03% | 8.62% | 7.71% | 28.79% | 9.87% | 3.23% | 5.88% | 4.95% | 3.17% | 5.75% |
| Return on Assets (ROA) | 1.16% | 1.29% | 1.2% | 1.16% | 1.48% | 1.3% | 0.65% | 0.61% | 0.8% | 0.87% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 143.17M | 232.37M | 225.39M | 222.38M | 199.87M | 485.86M | 592.64M | 392.63M | 106.41M | 25M |
| Net Debt | 108.22M | 186M | 187.58M | 144.69M | 7.04M | 459.32M | 527.28M | 149.15M | 81.23M | -15.02M |
| Long-Term Debt | 119.71M | 185.34M | 222.73M | 217.01M | 196.99M | 285.86M | 442.37M | 392.63M | 106.41M | 25M |
| Short-Term Debt | 23.46M | 47.02M | 2.66M | 5.38M | 2.88M | 200M | 150.27M | 0 | 275.59M | 0 |
| Other Liabilities | -22.92M | -27.04M | 0 | 0 | 0 | 0 | 34.3M | 36.89M | 3.77B | 0 |
| Total Current Liabilities | 1.84B | 1.95B | 2.04B | 2.75B | 3.04B | 3.12B | 3.12B | 3.36B | 3.47B | 0 |
| Total Non-Current Liabilities | 96.79M | 158.3M | 222.73M | 217.01M | 196.99M | 285.86M | 476.67M | 429.52M | 3.88B | 25M |
| Total Liabilities | 1.94B | 2.11B | 2.26B | 2.96B | 3.24B | 3.4B | 3.6B | 3.79B | 3.88B | 3.74B |
| Total Equity | 178.1M▲ 0% | 191.02M▲ 7.3% | 211.82M▲ 10.9% | 223.69M▲ 5.6% | 260.33M▲ 16.4% | 211.11M▼ 18.9% | 225.04M▲ 6.6% | 227.88M▲ 1.3% | 265.99M▲ 16.7% | 270.74M▲ 0% |
| Equity Growth % | 7.69% | 7.26% | 10.89% | 5.61% | 16.38% | -18.91% | 6.6% | 1.26% | 16.72% | 46.56% |
| Equity / Assets (Capital Ratio) | 8.42% | 8.32% | 8.56% | 7.02% | 7.44% | 5.84% | 5.88% | 5.68% | 6.42% | 6.75% |
| Return on Equity (ROE) | 13.43% | 15.45% | 14.24% | 15.02% | 20.5% | 19.68% | 11.07% | 10.62% | 13.19% | 13.67% |
| Book Value per Share | 10.90 | 11.65 | 12.85 | 13.54 | 15.51 | 12.57 | 13.44 | 13.49 | 15.63 | 15.91 |
| Tangible BV per Share | 10.90 | 11.65 | 12.85 | 13.54 | 15.51 | 12.57 | 13.44 | 13.49 | 15.63 | 15.91 |
| Common Stock | 3M | 3M | 3M | 3M | 3M | 3M | 3M | 3M | 3M | 3M |
| Additional Paid-in Capital | 23.46M | 25.13M | 27.26M | 28.82M | 30.18M | 32.02M | 34.2M | 35.62M | 37.23M | 0 |
| Retained Earnings | 153.53M | 169.71M | 184.82M | 203.72M | 237.78M | 267.56M | 271.37M | 278.61M | 294.26M | 300.6M |
| Accumulated OCI | -1.89M | -6.81M | -3.26M | -11.85M | -10.64M | -91.47M | -83.52M | -89.36M | -68.5M | -69.41M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
West Bancorporation, Inc. (WTBA) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 29.36M | 34.74M | 36.97M | 42.28M | 57.88M | 59.44M | 25.25M | 39.81M | 46.48M | 46.48M |
| Operating CF Growth % | -2.77% | 18.35% | 6.4% | 14.39% | 36.88% | 2.7% | -57.52% | 57.66% | 16.76% | 65.32% |
| Net Income | 23.07M | 28.51M | 28.69M | 32.71M | 49.61M | 46.4M | 24.14M | 24.05M | 32.56M | 35.29M |
| Depreciation & Amortization | 5.5M | 6.35M | 5.07M | 3.39M | 3.62M | 4.46M | 5.15M | 6.92M | 0 | 5.7M |
| Deferred Taxes | 2.83M | -359K | -33K | -3.02M | 82K | 1.58M | 447K | 2.98M | 0 | 64K |
| Other Non-Cash Items | -1.28M | -285K | -264K | 11.33M | -2.47M | -3.46M | -604K | 1.05M | 13.44M | 4.72M |
| Working Capital Changes | -3.4M | -2.21M | 512K | -4.43M | 4.47M | 7.1M | -6.99M | 2.3M | 475K | 1.84M |
| Cash from Investing | -293.96M | -188.73M | -155.5M | -367.16M | -537.21M | -357.83M | -168.68M | -27.34M | 93.3M | 114.52M |
| Purchase of Investments | -341.01M | -96.17M | -180.17M | -232.41M | -481.14M | -120.08M | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 156.37M | 121.34M | 245.45M | 215.88M | 126.11M | 79.96M | 53.66M | 68.2M | 0 | 28.9M |
| Net Investment Activity | -184.65M | 25.17M | 65.29M | -16.52M | -355.03M | -40.12M | 53.66M | 68.2M | 0 | 28.9M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -108.26M | -213.68M | -219.74M | -348.32M | -173.44M | -296.4M | -185.95M | -69.41M | 93.3M | 87.03M |
| Cash from Financing | 235.72M | 153.51M | 124.35M | 668.02M | 275.72M | 132.11M | 182.25M | 165.65M | 87.83M | -12.77M |
| Dividends Paid | -11.5M | -12.7M | -13.58M | -13.81M | -15.54M | -16.62M | -16.7M | -16.81M | -16.91M | -16.94M |
| Share Repurchases | -631K | -1.08M | -861K | -749K | -1.21M | -1.52M | -935K | -1.09M | -1.13M | 1.13M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 84K |
| Net Stock Activity | -631K | -1.08M | -861K | -749K | -1.21M | -1.52M | -935K | -1.09M | -1.13M | 1.22M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -3M |
| Other Financing | 255.06M | 103.16M | 102.9M | 688.95M | 312.52M | 61.52M | 43.64M | 233.55M | 110.87M | 6.79M |
| Net Change in Cash | -28.89M▲ 0% | -475K▲ 98.4% | 5.82M▲ 1324.4% | 343.14M▲ 5800.0% | -203.61M▼ 159.3% | -166.29M▲ 18.3% | 38.82M▲ 123.3% | 178.12M▲ 358.9% | 227.61M▲ 27.8% | 260.17M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 76.84M | 47.95M | 47.47M | 53.29M | 396.44M | 192.82M | 26.54M | 65.36M | 243.48M | 0 |
| Cash at End | 47.95M | 47.47M | 53.29M | 396.44M | 192.82M | 26.54M | 65.36M | 243.48M | 471.09M | 0 |
| Interest Paid | 12.52M | 22.15M | 31.49M | 18.53M | 12.64M | 28.87M | 87.85M | 117M | 106.32M | 52.42M |
| Income Taxes Paid | 9.3M | 7.31M | 5.88M | 11.19M | 13.38M | 10.63M | 5.72M | 1.48M | 5.55M | 5.55M |
| Free Cash Flow | 28.3M▲ 0% | 34.53M▲ 22.0% | 35.92M▲ 4.0% | 39.97M▲ 11.3% | 49.13M▲ 22.9% | 38.13M▼ 22.4% | -11.14M▼ 129.2% | 13.67M▲ 222.8% | 43.15M▲ 215.6% | 47.78M▲ 0% |
| FCF Growth % | 62.74% | 22.02% | 4.01% | 11.27% | 22.94% | -22.4% | -129.21% | 222.75% | 215.63% | 82.82% |
West Bancorporation, Inc. (WTBA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.43% | 15.45% | 14.24% | 15.02% | 20.5% | 19.68% | 11.07% | 10.62% | 13.19% | 13.67% |
| Return on Assets (ROA) | 1.16% | 1.29% | 1.2% | 1.16% | 1.48% | 1.3% | 0.65% | 0.61% | 0.8% | 0.87% |
| Net Interest Margin | 2.84% | 2.7% | 2.69% | 2.6% | 2.72% | 2.54% | 1.8% | 1.78% | 2.15% | 2.31% |
| Efficiency Ratio | 39.5% | 37.81% | 35.9% | 35.28% | 36.75% | 33.73% | 28.27% | 25.62% | 27.12% | 26.99% |
| Equity / Assets | 8.42% | 8.32% | 8.56% | 7.02% | 7.44% | 5.84% | 5.88% | 5.68% | 6.42% | 6.75% |
| Book Value / Share | 10.9 | 11.65 | 12.85 | 13.54 | 15.51 | 12.57 | 13.44 | 13.49 | 15.63 | 15.91 |
| NII Growth | 5.15% | 3.33% | 7.04% | 24.69% | 14.76% | -3.49% | -24.75% | 3.38% | 24.69% | 22.58% |
| Dividend Payout | 49.84% | 44.53% | 47.33% | 42.23% | 31.33% | 35.82% | 69.21% | 69.88% | 51.95% | 36% |
West Bancorporation, Inc. (WTBA) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 24, 2026·SEC
Apr 23, 2026·SEC
Jan 29, 2026·SEC
West Bancorporation, Inc. (WTBA) stock FAQ — growth, dividends, profitability & financials explained
West Bancorporation, Inc. (WTBA) grew revenue by 0.3% over the past year. Growth has been modest.
Yes, West Bancorporation, Inc. (WTBA) is profitable, generating $35.3M in net income for fiscal year 2025 (16.4% net margin).
Yes, West Bancorporation, Inc. (WTBA) pays a dividend with a yield of 4.12%. This makes it attractive for income-focused investors.
West Bancorporation, Inc. (WTBA) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.
West Bancorporation, Inc. (WTBA) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.
West Bancorporation, Inc. (WTBA) has an efficiency ratio of 27.1%. This is excellent, indicating strong cost control.
West Bancorporation, Inc. (WTBA) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates