Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.50 | 11.95 | 12.54 | 11.54 | 10.68 | 11.16 | 10.81 | 10.82 | 11.02 | 9.43 | 9.12 | 8.92 | 9.53 | 6.93 | 6.34 | 7.33 | 10.10 | 10.13 | 14.80 | 18.01 | 17.82 |
| — | +7.1% | +15.9% | +6.6% | -3.1% | +18.3% | +18.5% | +21.3% | +15.7% | +36.1% | +43.9% | +21.6% | -5.7% | -31.6% | -57.2% | -59.3% | -43.3% | -40.9% | -14.3% | -14.0% | +14.7% | |
| P/S Ratio | 5.57 | 5.26 | 5.45 | 5.10 | 4.69 | 4.96 | 4.85 | 5.08 | 5.03 | 4.45 | 4.36 | 4.30 | 4.68 | 3.47 | 3.17 | 3.73 | 5.02 | 4.88 | 6.37 | 7.41 | 7.27 |
| — | +6.1% | +12.3% | +0.5% | -6.8% | +11.5% | +11.4% | +18.1% | +7.6% | +28.2% | +37.7% | +15.1% | -6.7% | -28.8% | -50.3% | -49.6% | -31.0% | -29.5% | -10.5% | -8.4% | +3.6% | |
| P/B Ratio | 1.59 | 1.71 | 1.60 | 1.44 | 1.27 | 1.36 | 1.36 | 1.46 | 1.57 | 1.45 | 1.59 | 1.65 | 1.95 | 1.78 | 1.57 | 1.85 | 2.64 | 2.61 | 2.43 | 2.32 | 1.88 |
| — | +25.6% | +17.9% | -1.7% | -19.1% | -6.3% | -14.3% | -11.3% | -19.1% | -18.4% | +1.4% | -11.0% | -26.2% | -31.9% | -35.5% | -20.1% | +40.7% | +44.7% | +31.0% | +11.7% | +6.8% | |
| P/FCF | 17.70 | — | 22.45 | 8.18 | 11.68 | 11.02 | 13.76 | 7.99 | 12.03 | 8.23 | 17.43 | 6.26 | — | 4.95 | 4.86 | 5.45 | 9.50 | 12.03 | 36.68 | 12.86 | 22.38 |
| — | — | +63.2% | +2.4% | -2.9% | +33.9% | -21.0% | +27.7% | — | +66.3% | +258.6% | +14.8% | — | -58.9% | -86.7% | -57.6% | -57.6% | -19.1% | +17.9% | -1.9% | -33.8% | |
| EV / EBITDA | 6.57 | 7.70 | 8.14 | 6.92 | 5.00 | 4.79 | 4.54 | 4.30 | 5.11 | 4.82 | 5.53 | 5.44 | 6.01 | 3.61 | 3.96 | 4.71 | 6.01 | 5.37 | 5.62 | 5.15 | 4.25 |
| — | +60.6% | +79.4% | +60.9% | -2.1% | -0.5% | -17.9% | -20.9% | -15.0% | +33.4% | +39.7% | +15.5% | +0.0% | -32.8% | -29.6% | -8.6% | +41.4% | +15.3% | -8.0% | -37.4% | -37.7% | |
| EV / EBIT | 6.36 | 7.70 | 8.30 | 7.10 | 5.15 | 5.03 | 4.79 | 4.51 | 5.36 | 5.06 | 5.86 | 5.76 | 6.34 | 3.80 | 4.15 | 4.97 | 6.32 | 5.74 | 6.44 | 6.09 | 4.95 |
| — | +53.0% | +73.2% | +57.4% | -3.9% | -0.6% | -18.1% | -21.8% | -15.4% | +33.2% | +41.1% | +16.1% | +0.3% | -33.7% | -35.5% | -18.5% | +27.7% | +7.4% | -4.2% | -35.9% | -35.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.2% | 100.0% | 100.0% | 100.5% | 100.0% | 100.0% | 100.0% | 100.8% | 100.0% | 100.0% | 100.0% | 99.6% | 100.0% | 99.5% | 100.0% | 101.9% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| — | -0.0% | 0.0% | -0.3% | 0.0% | +0.0% | 0.0% | +1.2% | 0.0% | +0.5% | 0.0% | -2.3% | 0.0% | -0.5% | 0.0% | +1.9% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Operating Margin | 60.7% | 59.1% | 58.5% | 58.7% | 59.8% | 59.5% | 60.5% | 63.0% | 62.8% | 64.5% | 64.8% | 65.2% | 68.2% | 68.6% | 67.9% | 69.1% | 68.3% | 65.7% | 58.1% | 54.7% | 55.2% |
| — | -0.7% | -3.2% | -6.7% | -4.9% | -7.8% | -6.7% | -3.4% | -7.9% | -6.0% | -4.6% | -5.6% | -0.1% | +4.5% | +16.9% | +26.4% | +23.8% | +19.9% | +4.3% | +4.8% | -8.4% | |
| Net Margin | 45.0% | 44.0% | 43.6% | 44.1% | 43.9% | 44.3% | 45.0% | 46.7% | 45.6% | 47.3% | 47.8% | 48.0% | 49.1% | 50.1% | 49.9% | 50.8% | 49.7% | 48.2% | 43.1% | 41.2% | 40.7% |
| — | -0.8% | -3.0% | -5.7% | -3.6% | -6.4% | -5.8% | -2.7% | -7.2% | -5.6% | -4.4% | -5.4% | -1.2% | +4.0% | +16.0% | +23.1% | +22.1% | +19.3% | +4.6% | +6.5% | -9.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.7% | 3.4% | 3.2% | 3.0% | 3.0% | 3.0% | 3.2% | 3.4% | 3.5% | 4.1% | 4.4% | 4.7% | 5.6% | 6.4% | 6.2% | 6.5% | 6.9% | 6.0% | 3.8% | 3.0% | 2.6% |
| — | +12.4% | +0.1% | -12.0% | -15.4% | -25.0% | -28.6% | -26.5% | -36.5% | -36.5% | -29.0% | -28.4% | -19.5% | +6.4% | +62.0% | +119.6% | +164.3% | +129.0% | +40.6% | +21.7% | -8.6% | |
| ROA | 1.9% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.5% | 0.3% | 0.3% | 0.3% |
| — | +0.8% | -4.8% | -10.2% | -9.6% | -14.3% | -11.2% | -9.2% | -15.1% | -11.2% | -8.4% | -4.2% | +9.6% | +31.0% | +73.9% | +93.5% | +90.6% | +59.2% | +8.5% | +3.8% | -18.4% | |
| ROIC | 11.1% | 2.9% | 2.7% | 2.6% | 2.6% | 2.7% | 2.8% | 3.0% | 3.1% | 3.3% | 3.3% | 3.9% | 5.0% | 5.4% | 5.3% | 5.8% | 6.2% | 5.1% | 3.2% | 2.5% | 2.2% |
| — | +9.8% | -3.9% | -15.1% | -17.1% | -18.2% | -15.1% | -22.4% | -37.7% | -39.3% | -38.0% | -33.4% | -18.7% | +4.8% | +65.3% | +137.7% | +176.2% | +130.9% | +44.9% | +20.0% | -9.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.18 | 0.18 | 0.19 | 0.17 | 0.17 | 0.13 | 0.14 | 0.16 | 0.17 | 0.39 | 0.34 | 0.10 | 0.21 | 0.24 | 0.15 | 0.12 | 0.17 | 0.22 | 0.20 | 0.20 |
| — | +5.1% | +36.9% | +29.9% | +9.9% | +0.6% | -66.3% | -57.7% | +56.0% | -19.3% | +64.7% | +122.8% | -18.5% | +19.1% | +8.0% | -24.2% | -38.5% | +5.0% | -7.7% | -23.0% | +38.2% | |
| Debt / EBITDA | 0.97 | 3.68 | 4.11 | 4.42 | 4.09 | 3.92 | 2.95 | 3.04 | 3.01 | 3.02 | 6.26 | 5.16 | 1.33 | 2.23 | 2.69 | 1.70 | 1.29 | 1.85 | 3.47 | 4.00 | 4.78 |
| — | -6.2% | +39.5% | +45.6% | +35.7% | +29.9% | -52.9% | -41.1% | +126.6% | +35.1% | +132.2% | +204.1% | +3.0% | +20.9% | -22.3% | -57.6% | -73.0% | -54.2% | -41.9% | -41.1% | +42.1% | |
| Current Ratio | 0.43 | 2.32 | 2.29 | 2.91 | 0.43 | 0.41 | 0.39 | 0.39 | 0.39 | 0.59 | 0.57 | 0.55 | 0.77 | 0.50 | 0.75 | 0.75 | 0.75 | 0.74 | 0.83 | 0.87 | 0.89 |
| — | +465.2% | +486.0% | +644.4% | +11.9% | -30.2% | -31.5% | -28.7% | -49.5% | +18.6% | -23.7% | -26.7% | +3.0% | -32.7% | -9.6% | -14.3% | -15.8% | -16.4% | -2.0% | +9.0% | +8.6% | |
| Quick Ratio | 0.43 | 2.32 | 2.29 | 2.91 | 0.43 | 0.41 | 0.39 | 0.39 | 0.39 | 0.59 | 0.57 | 0.55 | 0.77 | 0.50 | 0.75 | 0.75 | 0.75 | 0.74 | 0.83 | 0.87 | 0.89 |
| — | +465.2% | +486.0% | +644.4% | +11.9% | -30.2% | -31.5% | -28.7% | -49.5% | +18.6% | -23.7% | -26.7% | +3.0% | -32.7% | -9.6% | -14.3% | -15.8% | -16.4% | -2.0% | +9.0% | +8.6% | |
| Interest Coverage | 11.43 | 10.45 | 11.06 | 11.07 | 10.87 | 10.41 | 12.25 | 12.32 | 12.61 | 8.46 | 9.07 | 16.48 | 32.67 | 50.26 | 90.19 | 116.86 | 113.89 | 97.26 | 70.70 | 62.46 | 58.47 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying WABC stock.
Westamerica Bancorporation's current P/E is 12.5x. The average P/E over the last 4 quarters is 11.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Westamerica Bancorporation's current operating margin is 60.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Westamerica Bancorporation's business trajectory between earnings reports.