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Westamerica Bancorporation(WABC)Earnings, Financials & Key Ratios
WABC•NASDAQ•Banking & Credit
12.7× P/E·Price updated Jun 19, 2026
AboutWestamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial and residential real estate, real estate construction, and consumer installment loans, as well as indirect automobile loans. It operates through 78 branch offices in 21 counties in Northern and Central California. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. The company was incorporated in 1972 and is headquartered in San Rafael, California.Show more
- Net Interest Income$217M-13.3%
- Total Revenue$272M-12.6%
- Net Income$116M-16.2%
- Return on Equity12.74%-23.6%
- Net Interest Margin3.65%-11.6%
- Efficiency Ratio37.49%+11.8%
- ROA1.93%-13.4%
- Equity / Assets15.66%+6.9%
- Book Value per Share37.57+12.6%
WABC Key Insights
Westamerica Bancorporation (WABC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Dividend Aristocrat: 36 years of consecutive increases
- ✓Strong NIM of 3.6%
- ✓Efficient operations: 37.5% efficiency ratio
- ✓Well capitalized: 15.7% equity/assets
- ✓Good 3Y average ROE of 19.1%
- ✓Healthy dividend yield of 3.3%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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WABC Price & Volume
Westamerica Bancorporation (WABC) stock price & volume — 10-year historical chart
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WABC Growth Metrics
Westamerica Bancorporation (WABC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years3.96%
5 Years5.5%
3 Years0.62%
TTM-
Profit CAGR
10 Years7.06%
5 Years7.64%
3 Years-1.63%
TTM-16.2%
EPS CAGR
10 Years7.01%
5 Years8.74%
3 Years-0.07%
TTM-12.88%
Return on Capital
10 Years16.37%
5 Years17.84%
3 Years18.49%
Last Year4.64%
WABC Recent Earnings
Westamerica Bancorporation (WABC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (78%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 16, 2026Metric
Actual
Est
EPS
$1.13+5.6%
$1.07
Rev
$62M+2.6%
$61M
Q1 2026
Feb 27, 2026Metric
Actual
Est
EPS
$1.12
—
Rev
$67M
—
Q1 2026
Jan 15, 2026Metric
Actual
Est
EPS
$1.12+4.7%
$1.07
Rev
$64M+2.7%
$62M
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$1.12+3.7%
$1.08
Rev
$64M-0.6%
$64M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $1.13vs $1.07+5.6% | $62Mvs $61M+2.6% |
| Q1 2026 | Feb 27, 2026 | $1.12 | $67M |
| Q1 2026 | Jan 15, 2026 | $1.12vs $1.07+4.7% | $64Mvs $62M+2.7% |
| Q4 2025 | Oct 16, 2025 | $1.12vs $1.08+3.7% | $64Mvs $64M-0.6% |
Based on last 12 quarters of dataView full earnings history →
WABC Peer Comparison
Westamerica Bancorporation (WABC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 BANR | 2.2B | 64.83 | 11.49 | -0.95% | 23.84% | 10.34% | 0.19 | |
 COLB | 7.27B | 30.55 | 13.28 | 8.35% | 17.11% | 8.39% | 0.51 | |
 PFSI | 4.3B | 82.38 | 8.86 | 173.81% | 14.31% | 12.02% | 5.35 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 | |
 EWBC | 17.45B | 126.81 | 13.32 | 4.63% | 28.27% | 15.77% | 0.36 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 UMBF | 10.13B | 133.06 | 14.57 | 68.52% | 19.79% | 11.67% | 0.49 |
Compare WABC vs Peers
Westamerica Bancorporation (WABC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
WABC Income Statement
Westamerica Bancorporation (WABC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 136.41M | 149.76M | 156.79M | 164.03M | 171.49M | 219.83M | 280.12M | 250.59M | 217.27M |
NII Growth % | 1.95% | 9.79% | 4.69% | 4.62% | 4.55% | 28.19% | 27.43% | -10.54% | -13.3% |
Net Interest Margin % | 2.47% | 2.69% | 2.79% | 2.43% | 2.3% | 3.16% | 4.4% | 4.12% | 3.65% |
Interest Income | 138.31M | 151.72M | 158.68M | 165.86M | 173.44M | 221.76M | 284.01M | 268.01M | 230.98M |
Interest Expense | 1.9M | 1.96M | 1.89M | 1.82M | 1.96M | 1.93M | 3.89M | 17.42M | 13.71M |
Loan Loss Provision | -1.9M | 0 | 0 | 4.3M | 0 | 0 | -1.15M | 300K | -550K |
Non-Interest Income | 56M | 48.15M | 47.41M | 42.1M | 43.34M | 45.12M | 43.52M | 43.16M | 40.86M |
Non-Interest Income % | 28.82% | 24.09% | 23% | 20.25% | 19.99% | 16.91% | 13.29% | 13.87% | 15.03% |
Total Revenue | 194.31M▲ 0% | 199.87M▲ 2.9% | 206.09M▲ 3.1% | 207.96M▲ 0.9% | 216.79M▲ 4.2% | 266.88M▲ 23.1% | 327.54M▲ 22.7% | 311.17M▼ 5.0% | 271.84M▼ 12.6% |
Revenue Growth % | 6.48% | 2.86% | 3.11% | 0.91% | 4.25% | 23.11% | 22.73% | -5% | -12.64% |
Non-Interest Expense | 107.14M | 106.92M | 98.99M | 95.03M | 97.81M | 99.36M | 103.22M | 104.39M | 101.92M |
Efficiency Ratio | 55.14% | 53.49% | 48.03% | 45.7% | 45.12% | 37.23% | 31.51% | 33.55% | 37.49% |
Operating Income | 87.17M▲ 0% | 91M▲ 4.4% | 105.22M▲ 15.6% | 106.8M▲ 1.5% | 117.03M▲ 9.6% | 165.59M▲ 41.5% | 221.58M▲ 33.8% | 189.06M▼ 14.7% | 156.69M▼ 17.1% |
Operating Margin % | 44.86% | 45.53% | 51.05% | 51.36% | 53.98% | 62.05% | 67.65% | 60.76% | 57.64% |
Operating Income Growth % | 9.02% | 4.39% | 15.63% | 1.51% | 9.57% | 41.5% | 33.81% | -14.68% | -17.12% |
Pretax Income | 87.17M▲ 0% | 91M▲ 4.4% | 105.22M▲ 15.6% | 106.8M▲ 1.5% | 117.03M▲ 9.6% | 165.59M▲ 41.5% | 221.58M▲ 33.8% | 189.06M▼ 14.7% | 156.69M▼ 17.1% |
Pretax Margin % | 44.86% | 45.53% | 51.05% | 51.36% | 53.98% | 62.05% | 67.65% | 60.76% | 57.64% |
Income Tax | 37.15M | 19.43M | 24.83M | 26.39M | 30.52M | 43.56M | 59.81M | 50.42M | 40.51M |
Effective Tax Rate % | 42.61% | 21.36% | 23.6% | 24.71% | 26.08% | 26.3% | 26.99% | 26.67% | 25.86% |
Net Income | 50.02M▲ 0% | 71.56M▲ 43.1% | 80.39M▲ 12.3% | 80.41M▲ 0.0% | 86.51M▲ 7.6% | 122.03M▲ 41.1% | 161.77M▲ 32.6% | 138.64M▼ 14.3% | 116.17M▼ 16.2% |
Net Margin % | 25.74% | 35.8% | 39.01% | 38.67% | 39.9% | 45.73% | 49.39% | 44.55% | 42.74% |
Net Income Growth % | -15% | 43.06% | 12.33% | 0.03% | 7.58% | 41.07% | 32.56% | -14.3% | -16.2% |
Net Income (Continuing) | 50.02M | 71.56M | 80.39M | 80.41M | 86.51M | 122.03M | 161.77M | 138.64M | 116.17M |
EPS (Diluted) | 1.89▲ 0% | 2.67▲ 41.3% | 2.98▲ 11.6% | 2.98▲ 0.0% | 3.22▲ 8.1% | 4.54▲ 41.0% | 6.06▲ 33.5% | 5.20▼ 14.2% | 4.53▼ 12.9% |
EPS Growth % | -17.47% | 41.27% | 11.61% | 0% | 8.05% | 40.99% | 33.48% | -14.19% | -12.88% |
EPS (Basic) | 1.90 | 2.69 | 2.98 | 2.98 | 3.22 | 4.54 | 6.06 | 5.20 | 4.53 |
Diluted Shares Outstanding | 26.42M | 26.76M | 27.01M | 26.96M | 26.87M | 26.91M | 26.71M | 26.69M | 24.85M |
WABC Balance Sheet
Westamerica Bancorporation (WABC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.77B | 3.07B | 3.45B | 4.68B | 5.77B | 4.63B | 4.19B | 1.94B | 4.04B |
Cash & Due from Banks | 575M | 420.28M | 373.42M | 621.27M | 1.13B | 294.24M | 190.31M | 601.49M | 567.8M |
Short Term Investments | 2.19B | 2.65B | 3.08B | 4.06B | 4.64B | 4.33B | 4B | 1.34B | 3.47B |
Total Investments | 4.63B | 4.84B | 4.95B | 5.83B | 6.03B | 6.22B | 5.76B | 5.07B | 4.29B |
Investments Growth % | 1.11% | 4.53% | 2.23% | 17.89% | 3.39% | 3.21% | -7.45% | -11.85% | -15.5% |
Long-Term Investments | 2.44B | 2.18B | 1.87B | 1.77B | 1.39B | 1.89B | 1.76B | 3.74B | 819.57M |
Accounts Receivables | 23.56M | 25.83M | 28.8M | 33.02M | 35.52M | 53.56M | 54.57M | 44.61M | 714.91M |
Goodwill & Intangibles | 125.52M | 123.6M | 123.06M | 122.78M | 122.51M | 122.26M | 122.02M | 121.8M | 121.67M |
Goodwill | 121.67M | 121.67M | 121.67M | 121.67M | 121.67M | 121.67M | 121.67M | 121.67M | 121.67M |
Intangible Assets | 3.85M | 1.93M | 1.39M | 1.1M | 835K | 583K | 347K | 125K | 0 |
PP&E (Net) | 35.3M | 34.51M | 51.73M | 51.65M | 49.13M | 44.56M | 45.83M | 44.12M | 25.72M |
Other Assets | 88.02M | 80.13M | 82.69M | 84.98M | 89.85M | 85.23M | 90.4M | 95.28M | 0 |
Total Current Assets | 2.8B | 3.11B | 3.48B | 4.72B | 5.81B | 4.68B | 4.25B | 1.99B | 4.75B |
Total Non-Current Assets | 2.72B | 2.46B | 2.13B | 2.03B | 1.65B | 2.27B | 2.11B | 4.09B | 966.97M |
Total Assets | 5.51B▲ 0% | 5.57B▲ 1.0% | 5.62B▲ 0.9% | 6.75B▲ 20.1% | 7.46B▲ 10.6% | 6.95B▼ 6.8% | 6.36B▼ 8.4% | 6.08B▼ 4.5% | 5.96B▼ 1.9% |
Asset Growth % | 2.74% | 1.01% | 0.92% | 20.08% | 10.57% | -6.84% | -8.43% | -4.53% | -1.91% |
Return on Assets (ROA) | 0.92% | 1.29% | 1.44% | 1.3% | 1.22% | 1.69% | 2.43% | 2.23% | 1.93% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 116.94M | 102.49M | 78.99M | 121.38M | 164.23M | 73.54M | 76.98M | 138.31M | 159.5M |
Net Debt | -458.06M | -317.79M | -294.43M | -499.9M | -967.86M | -220.7M | -113.34M | -463.19M | -408.3M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 116.94M | 102.49M | 61.86M | 102.55M | 146.25M | 57.79M | 58.16M | 120.32M | 143.72M |
Other Liabilities | -21.75M | -16.4M | -3.48M | 67.99M | 53.24M | 49.38M | 40.45M | 36.16M | 4.87B |
Total Current Liabilities | 4.94B | 4.97B | 4.87B | 5.79B | 6.56B | 6.28B | 5.53B | 5.13B | 143.72M |
Total Non-Current Liabilities | -21.75M | -16.4M | 13.66M | 112.6M | 73.72M | 65.13M | 59.27M | 54.15M | 4.89B |
Total Liabilities | 4.92B | 4.95B | 4.89B | 5.9B | 6.63B | 6.35B | 5.59B | 5.19B | 5.03B |
Total Equity | 590.24M▲ 0% | 615.59M▲ 4.3% | 731.42M▲ 18.8% | 844.81M▲ 15.5% | 827.1M▼ 2.1% | 602.11M▼ 27.2% | 772.89M▲ 28.4% | 889.96M▲ 15.1% | 933.51M▲ 4.9% |
Equity Growth % | 5.14% | 4.3% | 18.82% | 15.5% | -2.1% | -27.2% | 28.36% | 15.15% | 4.89% |
Equity / Assets (Capital Ratio) | 10.71% | 11.05% | 13.02% | 12.52% | 11.09% | 8.66% | 12.14% | 14.65% | 15.66% |
Return on Equity (ROE) | 8.69% | 11.87% | 11.94% | 10.2% | 10.35% | 17.08% | 23.53% | 16.67% | 12.74% |
Book Value per Share | 22.34 | 23.01 | 27.08 | 31.34 | 30.78 | 22.38 | 28.94 | 33.35 | 37.57 |
Tangible BV per Share | 17.59 | 18.39 | 22.53 | 26.78 | 26.22 | 17.83 | 24.37 | 28.79 | 32.67 |
Common Stock | 431.73M | 448.35M | 465.46M | 466.01M | 471.01M | 475.09M | 473.14M | 476.47M | 439.98M |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 173.8M | 205.84M | 239.13M | 264.36M | 306.39M | 383.09M | 490M | 581.55M | 584.63M |
Accumulated OCI | -16.83M | -40M | 26.05M | 114.41M | 49.66M | -256.11M | -190.28M | -168.1M | -91.14M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
WABC Cash Flow Statement
Westamerica Bancorporation (WABC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 80.75M | 96.63M | 80.7M | 107.74M | 88.73M | 113.7M | 158.21M | 141.57M | 121.9M |
Operating CF Growth % | 4.01% | 19.66% | -16.48% | 33.51% | -17.64% | 28.14% | 39.14% | -10.52% | -13.9% |
Net Income | 50.02M | 71.56M | 80.39M | 80.41M | 86.51M | 122.03M | 161.77M | 138.64M | 116.17M |
Depreciation & Amortization | 26.08M | 24.4M | 20.63M | 22.65M | 16.62M | 16.57M | 11.77M | 10.4M | 7.25M |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 3.02M | -869K | -8.42M | 3.56M |
Other Non-Cash Items | -10.7M | -1.03M | -910K | -3.82M | -5.61M | -2.63M | -1.88M | -1.54M | -378K |
Working Capital Changes | 13.52M | -290K | -21.15M | 6.63M | -10.2M | -26.59M | -13.94M | 1.01M | -5.81M |
Cash from Investing | -73.26M | -253.56M | -22.3M | -748.92M | -306.08M | -631.29M | 547.27M | 715.68M | 149.67M |
Purchase of Investments | -635.81M | -854.55M | -970.54M | -2.1B | -1.91B | -1.36B | 0 | -20.73M | -710.14M |
Sale/Maturity of Investments | 497.75M | 520.36M | 871.26M | 1.48B | 1.41B | 611.22M | 459.96M | 687.53M | 770.85M |
Net Investment Activity | -138.06M | -334.2M | -99.28M | -623.97M | -498.51M | -743.95M | 459.96M | 666.8M | 60.7M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | 67.52M | 83.76M | 80.98M | -122.75M | 193.75M | 113.47M | 88.47M | 50.62M | 91.22M |
Cash from Financing | 105.23M | 2.22M | -105.27M | 889.03M | 728.16M | -320.26M | -809.4M | -446.07M | -305.2M |
Dividends Paid | -41.3M | -42.63M | -43.94M | -44.28M | -44.3M | -45.18M | -45.95M | -46.96M | -46.94M |
Share Repurchases | -314K | -524K | -488K | -16.5M | -232K | -218K | -13.75M | -210K | -103.78M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 376K |
Net Stock Activity | -314K | -524K | -488K | -16.5M | -232K | -218K | -13.75M | -210K | -103.41M |
Debt Issuance (Net) | -607K | -1000K | -1000K | 1000K | 1000K | -1000K | 370K | 1000K | 1000K |
Other Financing | 147.46M | 52.6M | -40.52M | 878.2M | 728.99M | -186.41M | -750.07M | -461.06M | -171.83M |
Net Change in Cash | 112.73M▲ 0% | -154.72M▼ 237.2% | -46.86M▲ 69.7% | 247.85M▲ 628.9% | 510.81M▲ 106.1% | -837.85M▼ 264.0% | -103.92M▲ 87.6% | 411.18M▲ 495.7% | -33.69M▼ 108.2% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 462.27M | 575M | 420.28M | 373.42M | 621.27M | 1.13B | 294.24M | 190.31M | 601.49M |
Cash at End | 575M | 420.28M | 373.42M | 621.27M | 1.13B | 294.24M | 190.31M | 601.49M | 567.8M |
Interest Paid | 1.93M | 1.93M | 1.9M | 1.83M | 2.03M | 1.94M | 3.9M | 17.43M | 0 |
Income Taxes Paid | 17.35M | 13.63M | 24.49M | 26.46M | 27.67M | 39.84M | 64.02M | 57.26M | 0 |
Free Cash Flow | 78.03M▲ 0% | 93.51M▲ 19.8% | 76.71M▼ 18.0% | 105.54M▲ 37.6% | 87.41M▼ 17.2% | 112.89M▲ 29.1% | 157.05M▲ 39.1% | 139.83M▼ 11.0% | 119.59M▼ 14.5% |
FCF Growth % | 2.92% | 19.83% | -17.96% | 37.59% | -17.18% | 29.15% | 39.11% | -10.96% | -14.47% |
WABC Banking Ratios
Westamerica Bancorporation (WABC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 10.76% | 8.69% | 11.87% | 11.94% | 10.2% | 10.35% | 17.08% | 23.53% | 16.67% | 12.74% |
Return on Assets (ROA) | 1.12% | 0.92% | 1.29% | 1.44% | 1.3% | 1.22% | 1.69% | 2.43% | 2.23% | 1.93% |
Net Interest Margin | 2.49% | 2.47% | 2.69% | 2.79% | 2.43% | 2.3% | 3.16% | 4.4% | 4.12% | 3.65% |
Efficiency Ratio | 56.78% | 55.14% | 53.49% | 48.03% | 45.7% | 45.12% | 37.23% | 31.51% | 33.55% | 37.49% |
Equity / Assets | 10.46% | 10.71% | 11.05% | 13.02% | 12.52% | 11.09% | 8.66% | 12.14% | 14.65% | 15.66% |
Book Value / Share | 21.86 | 22.34 | 23.01 | 27.08 | 31.34 | 30.78 | 22.38 | 28.94 | 33.35 | 37.57 |
NII Growth | -0.23% | 1.95% | 9.79% | 4.69% | 4.62% | 4.55% | 28.19% | 27.43% | -10.54% | -13.3% |
Dividend Payout | 67.84% | 82.56% | 59.58% | 54.66% | 55.07% | 51.21% | 37.02% | 28.41% | 33.87% | 40.4% |
Related:WABC Dividend History·WABC Revenue History·WABC Price History·WABC P/E History·WABC Financial Ratios·WABC Institutional Holders
WABC SEC Filings & Documents
Westamerica Bancorporation (WABC) SEC filings — annual & quarterly reports (10-K, 10-Q)
WABC Frequently Asked Questions
Westamerica Bancorporation (WABC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Westamerica Bancorporation (WABC) saw revenue decline by 12.6% over the past year.
Yes, Westamerica Bancorporation (WABC) is profitable, generating $116.2M in net income for fiscal year 2025 (42.7% net margin).
Dividend & Returns
Yes, Westamerica Bancorporation (WABC) pays a dividend with a yield of 3.27%. This makes it attractive for income-focused investors.
Westamerica Bancorporation (WABC) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.
Industry Metrics
Westamerica Bancorporation (WABC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Westamerica Bancorporation (WABC) has an efficiency ratio of 37.5%. This is excellent, indicating strong cost control.