Westamerica Bancorporation (WABC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 60.20 $ — 87% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 0.6% failed
- More than 10% revenue growth is expected for the coming year -3.5% failed
- Share count grows by less than 3% a year -2.6% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 31.4% failed
- Gross margin at 40% or higher and without meaningful erosion 95.2% failed
- Goodwill from acquisitions does not grow faster than revenue 2.0% passed
- Net debt below twice EBITDA 1,957 m net cash passed
- Operating cash flow covers the profits of the last three years 5 m passed
- Return on capital at 15% or higher, or up versus two years ago 15.9% passed
- Insiders hold at least 10% or are net buyers 3.6% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 6.3% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.64 | 4.55 – 4.72 | 252 | 2.5% | 2 |
| 12/31/2027 | 4.68 | 4.40 – 4.95 | 248 | 0.9% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.17 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.19 | -19.80 | 73 | -11.00 | 43.40 | 30 | 29 |
| 2025: Q1 | 1.16 | -14.70 | 70 | -11.50 | 44.50 | 42 | 42 |
| 2025: Q2 | 1.12 | -15.50 | 68 | -14.80 | 42.90 | 24 | 23 |
| 2025: Q3 | 1.12 | -15.10 | 68 | -15.40 | 41.90 | 29 | 29 |
| 2025: Q4 | 1.12 | -5.70 | 67 | -8.50 | 41.60 | 27 | 25 |
| 2026: Q1 | 1.13 | -3.40 | 65 | -6.40 | 41.80 | 40 | 39 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 182 | 80 | 59 | 2.29 | 78 | 561 | 5,366 |
| 2017 | 194 | 87 | 50 | 1.89 | 81 | 590 | 5,513 |
| 2018 | 200 | 91 | 72 | 2.67 | 97 | 616 | 5,569 |
| 2019 | 206 | 105 | 80 | 2.98 | 81 | 731 | 5,620 |
| 2020 | 208 | 107 | 80 | 2.98 | 108 | 845 | 6,748 |
| 2021 | 217 | 117 | 87 | 3.22 | 89 | 827 | 7,461 |
| 2022 | 267 | 166 | 122 | 4.54 | 114 | 602 | 6,950 |
| 2023 | 328 | 222 | 162 | 6.06 | 158 | 773 | 6,365 |
| 2024 | 311 | 189 | 139 | 5.20 | 142 | 890 | 6,076 |
| 2025 | 272 | 157 | 116 | 4.68 | 122 | 934 | 5,960 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Westamerica Bancorporation ist als Bankholdinggesellschaft der Westamerica Bank tätig, die verschiedene Bankprodukte und -dienstleistungen für Privat- und Firmenkunden in den USA anbietet. Das Unternehmen nimmt verschiedene Einlagenprodukte von lokalen Unternehmen und Fachkräften sowie Privatk…
| Employees | 608 |
|---|---|
| Headquarters | San Rafael, CA |
| Address | 1108 Fifth Avenue, 94901 San Rafael, United States |
| Phone | 707 863 6000 |
| Website | westamerica.com |
| IPO Date | 17. Mar 1992 |
| ISIN | US9570901036 |
| Stock Split | 3:1 on 02/26/1998 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David L. Payne | Chairman, President & CEO | 1955 |
| Anela M. Jonas | Senior VP & CFO | 1974 |
| Brian J. Donohoe | Senior VP & Chief Information Officer | 1981 |
| Russell W. Rizzardi | Senior VP & Chief Credit Administrator of Westamerica Bank | 1955 |
| Robert James Baker Jr. | Senior VP & Banking Division Manager | 1965 |
| Diane Cunningham | Corporate Executive Secretary | – |
| Cheryl Thorsen | Senior Vice President of Human Resources Division Manager | – |
| Curtis Belton | Senior VP & Risk Officer | – |
| Kris Irvine | VP & Corporate Secretary | – |
| Matthew Mihalik | Senior VP & Treasurer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 22. Apr 2026 | Inez Wondeh | Director | Buy | 61 | 53.78 | 3,281 |
| 20. Apr 2026 | Robert James Baker Jr | SVP | Sell | 759 | 53.83 | 40,857 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.