Westamerica Bancorporation

WABC | NASDAQ

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$59.48

-$1.22 (-2.01%)

At close: Sep 21, 2026, 4:00 PM ET

$59.48

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.4B

Enterprise Value $1.23B

Beta 0.55

Average Volume 176.08K

Shares Outstanding (Diluted) 23.32M

Shares Change YoY -9.93%

Institutional Ownership 74.63%

Exchange NASDAQ

ISIN US9570901036

Price Performance

Price Change 1M 1.9%

Price Change 3M 1.2%

Price Change 6M 15.6%

Price Change YTD 24.4%

Price Change 1Y 21.8%

Price Change 3Y 40.5%

Price Change 5Y 7.2%

1M CAGR (ann.) 0.6%

1Y CAGR (ann.) 23.1%

5Y CAGR (ann.) 5.5%

All-Time CAGR 4.1%

Valuation

PE Ratio 13.10

Forward PE 12.03

PEG Ratio -2.61

Forward PEG 15.15

PS Ratio 5.26

Forward PS 5.60

PB Ratio 1.64

P/FCF Ratio 12.08

P/Adj. FCF Ratio 12.19

P/OCF Ratio 12.47

EV/Sales 4.62

EV/EBIT 8.24

EV/EBITDA 8.02

EV/FCF 10.61

Earnings Yield 7.6%

FCF Yield 8.3%

Adj. FCF Yield 8.2%

Financial Health

Net Cash $170.12M

Total Debt $131.81M

Cash & Short-Term Investments $301.93M

Total Assets $5.81B

Current Ratio 2.29

Quick Ratio 2.29

Debt / Equity Ratio 0.18

Debt / EBITDA 0.86

Debt / FCF 1.14

OCF / Debt 0.90

Interest Coverage 10.84

Altman Z-Score 0.47

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 95.0%

Operating Profit Margin 56.1%

EBITDA Margin 57.6%

Net Profit Margin 41.7%

FCF Margin 43.5%

Adj. FCF Margin 43.1%

SBC / Revenue 0.4%

SBC Impact (per share) -0.9%

Returns

Return on Assets 1.9%

Return on Equity 12.3%

Return on Invested Capital 1.9%

Return on Capital Employed 2.6%

Return on Tangible Assets 1.9%

Historical Growth (CAGR)

Revenue CAGR 3Y -5.4%

Revenue CAGR 5Y 4.5%

Revenue CAGR 10Y 3.8%

EPS CAGR 3Y -7.7%

EPS CAGR 5Y 7.1%

EPS CAGR 10Y 7.1%

FCF CAGR 3Y -5.2%

FCF CAGR 5Y 6.3%

FCF CAGR 10Y 5.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 8

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 14, 2026

EPS Estimate (next Q) $1.17

EPS Growth Est (next Q) 4.5%

Revenue Est (next Q) $63.1M

Revenue Growth Est (next Q) -1.1%

Fair Value Estimates

Graham Number $61.15

Graham Upside 2.8%

Lynch Fair Value $32.28

Lynch Upside -45.7%

Price Target $57

Price Target Upside -4.2%

Cash Flow

Operating Cash Flow $119.24M

Free Cash Flow $115.67M

Adj. Free Cash Flow $114.65M

FCF Per Share $4.64

OCF Per Share $4.77

OCF/S Ratio 41.9%

Income Statement

Revenue $265.72M

Gross Profit $252.29M

Operating Income $148.99M

EBITDA $152.94M

Net Income $110.81M

EPS (Diluted) $4.54

Revenue / Employee $437.03K

Profit / Employee $182.25K

Employees 608

Dividends

Annual Dividend $1.88

Dividend Yield 3.16%

Payout Ratio 41.4%

FCF Payout Ratio 40.2%

Adj. FCF Payout Ratio 40.5%

Dividend Growth (YoY) 4.4%

Pay Frequency Quarterly

Ex-Dividend Date Aug 2, 2026