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0.67%
Westamerica bancorporation
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial and residential real estate, real estate construction, and consumer installment loans, as well as indirect automobile loans. It operates through 78 branch offices in 21 counties in Northern and Central California. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. The company was incorporated in 1972 and is headquartered in San Rafael, California.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Westamerica bancorporation (WABC) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating WABC's short-term business performance and financial health. For the latest updates on WABC's earnings releases, visit this page regularly.
According to historical valuation range analysis, Westamerica bancorporation (WABC)'s current price-to-earnings (P/E) ratio is 10.62, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Westamerica bancorporation (WABC) reported an Operating Profit of 37.84M with an Operating Margin of 59.78% this period, representing a decline of 13.43% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Westamerica bancorporation (WABC) announced revenue of 63.31M, with a Year-Over-Year growth rate of -9%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Westamerica bancorporation (WABC) held Total Cash and Cash Equivalents of 567.8M, accounting for 0.1 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Westamerica bancorporation (WABC) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 59.78%%, and net margin of 43.9%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess WABC's profit trajectory and future growth potential.
According to the past four quarterly reports, Westamerica bancorporation (WABC)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 1.12. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Westamerica bancorporation (WABC)'s Free Cash Flow (FCF) for the period is 25.94M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 10.87% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Westamerica bancorporation (WABC) has a Price-To-Earnings (PE) ratio of 10.62 and a Price/Earnings-To-Growth (PEG) ratio of -124.53. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.