Symbols / WABC Stock $53.78 -0.74% Westamerica Bancorporation

Financial Services • Banks - Regional • United States • NMS
WABC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. David L. Payne
Exch · Country NMS · United States
Market Cap 1.26B
Enterprise Value 1.03B
Income 112.49M
Sales 253.92M
FCF (ttm) —
Book/sh 37.35
Cash/sh 16.91
Employees 608
Insider 10d —
IPO Mar 17, 1980
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 40.98%
P/E 11.98
Forward P/E 12.52
PEG 4.62
P/S 4.97
P/B 1.44
P/C —
EV/EBITDA —
EV/Sales 4.06
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.49
EPS next Y 4.29
EPS Growth -3.00%
Revenue Growth -6.70%
EPS Gr Q/Q -11.90%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) 2026-04-16
ROA 1.90%
ROE 12.46%
ROIC —
Gross Margin 0.00%
Oper. Margin 60.24%
Profit Margin 44.30%
Shs Outstand 23.49M
Shs Float 22.25M
Insider Own 3.64%
Instit Own 83.06%
Short Float 3.35%
Short Ratio 2.72
Short Interest 522.79K
52W High 56.22
vs 52W High -4.34%
52W Low 44.93
vs 52W Low 19.70%
Beta 0.56
Impl. Vol. 81.57%
Rel Volume 1.34
Avg Volume 198.09K
Volume 266.25K
Target (mean) $58.00
Tgt Median $58.00
Tgt Low $58.00
Tgt High $58.00
# Analysts 1
Recom None
Prev Close $54.18
Price $53.78
Change -0.74%
About

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products from local businesses and professionals, as well as retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial real estate, residential real estate, real estate construction, consumer installment loans, as well as indirect automobile loans. The company serves small businesses, professionals, and consumers. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1884 and is headquartered in San Rafael, California.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$58.00
Mean price target
2. Current target
$53.78
Latest analyst target
3. DCF / Fair value
$67.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$53.78
Low
$58.00
High
$58.00
Mean
$58.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-17 main Keefe, Bruyette & Woods Market Perform → Market Perform $58
2026-01-20 main Keefe, Bruyette & Woods Market Perform → Market Perform $55
2025-07-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $54
2025-04-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $55
2025-04-21 main Piper Sandler Neutral → Neutral $50
2024-07-22 down Maxim Group Buy → Hold —
2024-07-19 main Piper Sandler Neutral → Neutral $57
2024-04-22 reit Keefe, Bruyette & Woods Market Perform → Market Perform $57
2024-04-19 main Piper Sandler Neutral → Neutral $50
2024-01-19 main Piper Sandler Neutral → Neutral $55
2024-01-19 main Keefe, Bruyette & Woods Market Perform → Market Perform $58
2023-10-20 main Piper Sandler Neutral → Neutral $48
2023-04-21 main Piper Sandler — → Neutral $45
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $55
2020-07-17 main Piper Sandler — → Neutral $58
2019-10-22 main BMO Capital — → Market Perform $58
2018-12-18 up BMO Capital Underperform → Market Perform —
2018-10-25 main BMO Capital Underperform → Underperform $47
2018-04-25 main BMO Capital Underperform → Underperform $50
2017-04-21 up Keefe, Bruyette & Woods Underperform → Market Perform —
News
RSS: Latest WABC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-01 BAKER ROBERT JAMES JR Officer — 10,200 $55.26 $563,652
2026-04-24 BELTON CURTIS Officer — 10,600 $55.02 $583,212
2026-04-22 WONDEH INEZ Director — 61 $53.78 $3,281
2026-04-20 BAKER ROBERT JAMES JR Officer — 759 $53.83 $40,860
2026-02-24 JONAS ANELA MARYA Chief Financial Officer — 15 $0.00 $0
2026-01-22 ENSINGER GEORGE S Officer — 2,806 $0.00 $0
2026-01-22 DONOHOE BRIAN J Chief Technology Officer — 2,040 $0.00 $0
2026-01-22 DONOHOE BRIAN J Chief Technology Officer — 2,040 $0.00 $0
2026-01-22 BAKER ROBERT JAMES JR Officer — 1,360 $0.00 $0
2025-07-09 THORSON JOHN A. Officer and Treasurer — 10 $51.30 $513
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
258.06
-12.15%
293.75
-9.24%
323.64
+22.15%
264.95
Operating Revenue
258.06
-12.15%
293.75
-9.24%
323.64
+22.15%
264.95
Selling General And Administration
48.69
-3.19%
50.29
+5.06%
47.87
+3.79%
46.12
General And Administrative Expense
48.69
-3.19%
50.29
+5.06%
47.87
+3.79%
46.12
Salaries And Wages
48.69
-3.19%
50.29
+5.06%
47.87
+3.79%
46.12
Other Gand A
—
—
—
—
Reconciled Depreciation
7.25
-30.35%
10.40
-11.64%
11.77
-28.92%
16.57
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Net Income
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Pretax Income
156.69
-17.12%
189.06
-14.68%
221.58
+33.81%
165.59
Net Interest Income
217.27
-13.30%
250.59
-10.54%
280.12
+27.43%
219.83
Interest Expense
13.71
-21.28%
17.42
+347.79%
3.89
+102.08%
1.93
Interest Income
230.98
-13.82%
268.01
-5.63%
284.01
+28.07%
221.76
Gain On Sale Of Security
0.00
0.00
+100.00%
-0.12
0.00
Tax Provision
40.51
-19.65%
50.42
-15.70%
59.81
+37.32%
43.56
Tax Rate For Calcs
0.00
-2.94%
0.00
-1.09%
0.00
+1.10%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Net Income From Continuing Operation Net Minority Interest
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Net Income From Continuing And Discontinued Operation
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Net Income Continuous Operations
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Normalized Income
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Net Income Common Stockholders
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Diluted EPS
4.52
-13.08%
5.20
-14.19%
6.06
+33.48%
4.54
Basic EPS
4.52
-13.08%
5.20
-14.19%
6.06
+33.48%
4.54
Basic Average Shares
25.67
-3.79%
26.68
-0.07%
26.70
-0.71%
26.89
Diluted Average Shares
25.67
-3.79%
26.69
-0.07%
26.71
-0.75%
26.91
Diluted NI Availto Com Stockholders
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Amortization
—
—
—
—
Amortization Of Intangibles Income Statement
—
—
—
—
Depreciation Amortization Depletion Income Statement
—
—
—
—
Depreciation And Amortization In Income Statement
—
—
—
—
Occupancy And Equipment
20.87
+0.96%
20.67
+0.75%
20.52
+3.20%
19.88
Other Non Interest Expense
26.76
-0.03%
26.77
-2.01%
27.32
+9.28%
25.00
Professional Expense And Contract Services Expense
1.96
+33.61%
1.47
-16.05%
1.75
-33.37%
2.63
Line Item Trend 2023-12-31
Total Assets
6,364.59
Cash And Cash Equivalents
190.31
Other Short Term Investments
3,999.80
Receivables
54.57
Accounts Receivable
54.57
Prepaid Assets
5.20
Net PPE
45.83
Gross PPE
107.66
Accumulated Depreciation
-61.83
Land And Improvements
11.45
Buildings And Improvements
43.19
Machinery Furniture Equipment
26.59
Other Properties
18.81
Leases
7.62
Goodwill And Other Intangible Assets
122.02
Goodwill
121.67
Other Intangible Assets
0.35
Investments And Advances
4,907.02
Long Term Equity Investment
28.67
Total Liabilities Net Minority Interest
5,591.70
Long Term Debt And Capital Lease Obligation
18.81
Long Term Capital Lease Obligation
18.81
Non Current Deferred Liabilities
—
Non Current Deferred Taxes Liabilities
—
Stockholders Equity
772.89
Common Stock Equity
772.89
Capital Stock
473.14
Common Stock
473.14
Share Issued
26.67
Ordinary Shares Number
26.67
Treasury Shares Number
0.00
Retained Earnings
490.00
Gains Losses Not Affecting Retained Earnings
-190.28
Other Equity Adjustments
-190.28
Total Equity Gross Minority Interest
772.89
Total Debt
18.81
Capital Lease Obligations
18.81
Net Tangible Assets
650.87
Tangible Book Value
650.87
Available For Sale Securities
0.16
Cash Cash Equivalents And Federal Funds Sold
190.31
Held To Maturity Securities
878.40
Other Equity Interest
0.04
Trading Securities
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
121.90
-13.90%
141.57
-10.52%
158.21
+39.14%
113.70
Cash Flow From Continuing Operating Activities
121.90
-13.90%
141.57
-10.52%
158.21
+39.14%
113.70
Net Income From Continuing Operations
116.17
-16.20%
138.64
-14.30%
161.77
+32.56%
122.03
Depreciation Amortization Depletion
7.25
-30.35%
10.40
-11.64%
11.77
-28.92%
16.57
Depreciation And Amortization
7.25
-30.35%
10.40
-11.64%
11.77
-28.92%
16.57
Other Non Cash Items
-0.21
-2.97%
-0.20
+27.60%
-0.28
+70.00%
-0.93
Stock Based Compensation
1.10
-25.83%
1.48
+9.37%
1.36
+3.59%
1.31
Deferred Tax
2.75
+132.64%
-8.42
-869.39%
-0.87
-128.77%
3.02
Deferred Income Tax
2.75
+132.64%
-8.42
-869.39%
-0.87
-128.77%
3.02
Operating Gains Losses
—
-1.37
-1193.60%
0.12
—
Gain Loss On Investment Securities
0.00
0.00
-100.00%
0.12
0.00
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
-4.93
-587.55%
1.01
+107.26%
-13.94
+47.56%
-26.59
Change In Receivables
7.46
-25.09%
9.96
+1086.34%
-1.01
+94.40%
-18.04
Changes In Account Receivables
7.46
-25.09%
9.96
+1086.34%
-1.01
+94.40%
-18.04
Change In Payables And Accrued Expense
-0.02
-162.50%
-0.01
+33.33%
-0.01
-20.00%
-0.01
Change In Payable
-0.02
-162.50%
-0.01
+33.33%
-0.01
-20.00%
-0.01
Change In Account Payable
-0.02
-162.50%
-0.01
+33.33%
-0.01
-20.00%
-0.01
Change In Other Working Capital
0.06
—
—
—
Change In Other Current Assets
-1.67
+8.65%
-1.83
+46.94%
-3.44
-42.57%
-2.42
Change In Other Current Liabilities
-14.33
-64.58%
-8.71
-16.35%
-7.48
-9.62%
-6.83
Investing Cash Flow
149.61
-79.10%
715.68
+30.77%
547.27
+186.69%
-631.29
Cash Flow From Continuing Investing Activities
149.61
-79.10%
715.68
+30.77%
547.27
+186.69%
-631.29
Net PPE Purchase And Sale
-2.25
-28.78%
-1.74
-50.22%
-1.16
-43.16%
-0.81
Purchase Of PPE
-2.25
-28.78%
-1.74
-50.22%
-1.16
-43.16%
-0.81
Sale Of PPE
—
—
—
0.00
Capital Expenditure
-2.25
-28.78%
-1.74
-50.22%
-1.16
-43.16%
-0.81
Net Investment Purchase And Sale
60.64
-90.91%
666.80
+44.97%
459.96
+161.83%
-743.95
Purchase Of Investment
-710.14
-3324.86%
-20.73
0.00
+100.00%
-1,355.17
Sale Of Investment
770.78
+12.11%
687.53
+49.48%
459.96
-24.75%
611.22
Net Other Investing Changes
0.90
-85.96%
6.44
+473.81%
-1.72
-132.08%
5.37
Financing Cash Flow
-305.20
+31.58%
-446.07
+44.89%
-809.40
-152.73%
-320.26
Cash Flow From Continuing Financing Activities
-305.20
+31.58%
-446.07
+44.89%
-809.40
-152.73%
-320.26
Net Issuance Payments Of Debt
16.98
-72.69%
62.16
+16700.00%
0.37
+100.42%
-88.45
Net Short Term Debt Issuance
16.98
-72.69%
62.16
+16700.00%
0.37
+100.42%
-88.45
Net Common Stock Issuance
-103.78
-49321.43%
-0.21
+98.47%
-13.75
-6205.96%
-0.22
Common Stock Payments
-103.78
-49321.43%
-0.21
+98.47%
-13.75
-6205.96%
-0.22
Common Stock Dividend Paid
-46.94
+0.05%
-46.96
-2.18%
-45.95
-1.71%
-45.18
Cash Dividends Paid
-46.94
+0.05%
-46.96
-2.18%
-45.95
-1.71%
-45.18
Repurchase Of Capital Stock
-103.78
-49321.43%
-0.21
+98.47%
-13.75
-6205.96%
-0.22
Proceeds From Stock Option Exercised
0.38
-74.71%
1.49
+56.53%
0.95
-57.87%
2.25
Net Other Financing Charges
—
-0.13
—
—
Changes In Cash
-33.69
-108.19%
411.18
+495.66%
-103.92
+87.60%
-837.85
Beginning Cash Position
601.49
+216.05%
190.31
-35.32%
294.24
-74.01%
1,132.09
End Cash Position
567.80
-5.60%
601.49
+216.05%
190.31
-35.32%
294.24
Free Cash Flow
119.65
-14.43%
139.83
-10.96%
157.05
+39.11%
112.89
Interest Paid Supplemental Data
13.73
-21.20%
17.43
+346.62%
3.90
+101.65%
1.94
Income Tax Paid Supplemental Data
33.02
-42.33%
57.26
-10.56%
64.02
+60.69%
39.84
Change In Income Tax Payable
—
—
-0.87
-128.77%
3.02
Change In Tax Payable
—
—
-0.87
-128.77%
3.02
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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