Westamerica Bancorporation (WABC)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 206 | 215 | 265 | 324 | 294 | 258 | 252 | - |
| Operating profit | $m | 157 | 149 | ||||||
| Net profit | $m | 80 | 87 | 122 | 162 | 139 | 116 | 111 | 115 |
| EPS reported | $ | 4.53 | 4.54 | ||||||
| Operating cashflow per share | $ | 4.91 | 4.77 | ||||||
| Capex per share | $ | 0.09 | 0.13 | ||||||
| FCF per share | $ | 4.81 | 4.64 | ||||||
| Free cash flow | $m | 120 | 108 | ||||||
| Net debt | $m | -1,979 | -170 | ||||||
| Book value equity | $m | 934 | 853 | ||||||
| Book value per share | $ | 37.57 | 36.59 | ||||||
| Number of shares | m | 24.85 | 23.32 | ||||||
| DPS (TTM paid) | $ | 1.82 | 1.88 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.56 | 13.08 | ||||||
| P/B LTM | x | 1.27 | 1.39 | ||||||
| P/S LTM | x | 4.60 | 4.72 | ||||||
| P/FCF LTM | x | 9.94 | 10.99 | ||||||
| EV/EBITDA LTM | x | 4.79 | 5.10 | ||||||
| EV/Sales LTM | x | 2.87 | 4.53 | ||||||
| Earnings Yield LTM | % | +9.47% | +7.65% | ||||||
| FCF Yield | % | +10.06% | +9.10% | ||||||
| Quality | |||||||||
| ROE | % | +12.44% | +12.31% | ||||||
| ROIC | % | +10.37% | +1.91% | ||||||
| Operating margin | % | +57.64% | +56.07% | ||||||
| Gross margin | % | +95.16% | +94.95% | ||||||
| FCF/Sales | % | +43.99% | +40.69% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -12.88% | -12.69% | ||||||
| Sales Growth YoY | % | -12.13% | -14.22% | ||||||
| Net Income Growth YoY | % | -16.20% | -20.07% | ||||||
| FCF Growth | % | -14.47% | -22.67% | ||||||
| Operating Profit Growth | % | -17.12% | -21.20% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.95% | +3.22% | ||||||
| Dividend Growth | % | +3.41% | +6.82% | ||||||
| Payout Ratio | % | +41.70% | +41.16% | ||||||
| FCF/Debt | x | 0.75 | 0.70 | ||||||
| Net Debt/EBITDA | x | -2.51 | -1.11 | ||||||
| EBIT/Net interest | x | 11.43 | 10.84 | ||||||
| Net debt/market cap | % | +11.55% | +9.60% | ||||||
| Net debt/Equity | x | -2.12 | -0.20 | ||||||
| Gross debt/equity | x | 0.17 | 0.18 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Westamerica Bancorporation (WABC) functions as a bank holding company, overseeing Westamerica Bank. Through its subsidiary, it delivers a comprehensive suite of financial products and services to both individual consumers and commercial enterprises. Its deposit offerings cater to retail customers, encompassing savings accounts, checking accounts, and certificates of deposit. The institution's lending activities are diverse, featuring commercial loans, financing for both commercial and residential real estate, construction loans, consumer installment loans, and indirect automobile lending. Geographically, WABC maintains a presence across 21 counties in Northern and Central California, operating 78 branch locations. Incorporated in 1972, the company was initially known as Independent Bankshares Corporation. It adopted its current name, Westamerica Bancorporation, in 1983. Its corporate headquarters are situated in San Rafael, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Westamerica Bancorporation (WABC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Westamerica Bancorporation (WABC) functions as a bank holding company, overseeing Westamerica Bank. Through its subsidiary, it delivers a comprehensive suite of financial products and services to both individual consumers and commercial enterprises. Its deposit offerings cater to retail customers, encompassing savings accounts, checking accounts, and certificates of deposit. The institution's lending activities are diverse, featuring commercial loans, financing for both commercial and residential real estate, construction loans, consumer installment loans, and indirect automobile lending. Geographically, WABC maintains a presence across 21 counties in Northern and Central California, operating 78 branch locations. Incorporated in 1972, the company was initially known as Independent Bankshares Corporation. It adopted its current name, Westamerica Bancorporation, in 1983. Its corporate headquarters are situated in San Rafael, California.
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