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WABCWestamerica Bancorporation
$59.84$1.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
WABC logo

Westamerica Bancorporation

WABC
NASDAQ · Regional Banks
$59.84
At close - Nov 6, 4:00 PM EST - USD
Market Cap$1.41B
P/E12.5x
52W High$63.61
Volume120.71K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Fortress Capital Base Meets Shrinking Revenue Trajectory

Westamerica's equity-to-assets ratio has risen from 0.13 in Q2 2024 to 0.14 in Q3 2026 while total assets contracted from roughly $6.3B to $5.8B, suggesting deliberate balance sheet discipline and a conservative capital cushion.

GrowthContracting
ProfitabilityStrong
ValuationReview
TechnicalsHealthy
Explore valuation models
MARKET ACTION

WABC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

10/12 Beats

EPS beat 10 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 74 · Avg

Average momentum (RS Rating: 74)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 15

Market performance

Price History →

Trailing total returns as of 11/9/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
WABC+29.08%
S&P 500 (^GSPC)+7.63%
1-Year Return
WABC+30.81%
S&P 500 (^GSPC)+9.69%
3-Year Return
WABC+33.41%
S&P 500 (^GSPC)+68.93%
5-Year Return
WABC+20.67%
S&P 500 (^GSPC)+56.95%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
12.5x
Forward P/E
12.6x
EV/EBITDA80th %ile
6.6x
FCF YieldCash Flow
5.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.5x
10.6x
60th· Fair
EV/EBITDA
6.6x
4.8x
80th· High
Price/FCF
17.7x
10.0x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$54.00-9.8%
Base (Fair)$92.31+54.3%
Bull$140.11+134.1%
$54.00 Bear$92.31 Base$140.11 Bull
Current Market Price: $59.84
Trades at a 35.2% discount to Base DCF ($92.31)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$258M-12.1% YoY
Net income FY25
$116M-16.2% YoY
Free cash flow FY25
$120M-14.5% YoY
Operating margin FY25
60.7%-3.7 pts YoY
ROIC (FY25)11.1%
Avg ROIC 5Y14.4%
ROE (TTM)12.8%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate10/12 (83%)
Revenue Beat Rate9/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 15, 2026
$1.22+4.3%
vs $1.17
$64M+1.8%
vs $63M
Q3 2026
Jul 16, 2026
$1.17+6.4%
vs $1.10
$63M+2.2%
vs $62M
Q2 2026
Apr 16, 2026
$1.13+5.6%
vs $1.07
$62M+2.6%
vs $61M
Q1 2026
Jan 15, 2026
$1.12+4.7%
vs $1.07
$64M+2.7%
vs $62M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·Oct 22, 2026
Westamerica Bancorporation Declares Quarterly Cash Dividend

SAN RAFAEL, Calif., Oct. 22, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Westamerica Bancorporation (NASDAQ: WABC) today declared a quarterly cash dividend of $0.48 per share on common stock outstanding to shareholders of record at the close of business November 2, 2026. The dividend is payable November 13, 2026.

GlobeNewsWire·Oct 15, 2026
Westamerica Bancorporation Reports Third Quarter 2026 Financial Results

SAN RAFAEL, Calif., Oct. 15, 2026 (GLOBE NEWSWIRE) -- Westamerica Bancorporation (Nasdaq: WABC), parent company of Westamerica Bank, generated net income for the third quarter 2026 of $28.2 million and diluted earnings per common share ("EPS") of $1.22.

Defense World·Aug 30, 2026
Connor Clark & Lunn Investment Management Ltd. Makes New Investment in Westamerica Bancorporation $WABC

Connor Clark and Lunn Investment Management Ltd. acquired a new position in Westamerica Bancorporation (NASDAQ: WABC) during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund acquired 27,060 shares of the financial services provider's stock, valued at approximately $1,588,000. Connor

Defense World·Aug 28, 2026
BlackRock Inc. Invests $195.71 Million in Westamerica Bancorporation $WABC

BlackRock Inc. bought a new stake in shares of Westamerica Bancorporation (NASDAQ: WABC) during the undefined quarter, according to its most recent filing with the SEC. The fund bought 3,335,703 shares of the financial services provider's stock, valued at approximately $195,706,000. BlackRock Inc. owned approximately 14.20% of Westamerica Bancorporation as of its most

Filtered for Westamerica BancorporationMore Headlines
04

Compare before deciding

Benchmark WABC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Westamerica Bancorporation (WABC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
WABC logoWABCWestamerica BancorporationCurrent
$59.84$1.41B12.50-12.13%43.89%12.8%3.16%
CVBF logoCVBFCVB Financial Corp.
$22.74$3.26B17.147.23%36.65%8.52%3.59%
BANR logoBANRBanner Corporation
$70.09$2.38B12.12-0.08%38.63%10.07%2.8%
COLB logoCOLBColumbia Banking System, Inc.
$30.48$8.62B10.2319.28%30.19%11.08%3.7%
PFSI logoPFSIPennyMac Financial Services, Inc.
$65.59$3.41B14.5255.29%5.44%5.54%1.77%
BOKF logoBOKFBOK Financial Corporation
$129.48$7.87B11.629.59%29.56%11.21%1.87%

Compare WABC vs Peers

Westamerica Bancorporation (WABC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CVBF

Most directly comparable listed peer for WABC.

Scale Benchmark

vs V

Larger-name benchmark to compare WABC against a more recognizable public peer.

Peer Set

Compare Top 5

vs CVBF, BANR, COLB, PFSI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

WABC SEC Filings & Documents

Westamerica Bancorporation (WABC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 22, 2026·SEC

Material company update

Oct 15, 2026·SEC

Material company update

Jul 23, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Nov 6, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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WABC Frequently Asked Questions

Westamerica Bancorporation (WABC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Westamerica Bancorporation growing?

Westamerica Bancorporation (WABC) revenue fell by 4.6% over the trailing twelve months, compared with the twelve months before.

Is WABC profitable?

Yes. Westamerica Bancorporation (WABC) earned $110.7M in net income over the trailing twelve months (a 43.9% net margin).

Dividend & Returns
Does WABC pay dividends?

Yes. Westamerica Bancorporation (WABC) pays a dividend that yields 3.16% at the current price, a moderate yield.

What is WABC's return on equity?

Westamerica Bancorporation (WABC) had a return on equity (ROE) of 12.8% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Westamerica Bancorporation's net interest margin?

Westamerica Bancorporation (WABC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Westamerica Bancorporation's efficiency ratio?

Westamerica Bancorporation (WABC) has an efficiency ratio of 39.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WABC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →