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WABC
Westamerica Bancorporation – NASDAQ
Weekly Share Price & Valuation Overview
Market Overview
Open
49.7900
Close
48.7000
High
50.0700
Low
48.5300
Trend
0.46427

Westamerica Bancorporation

United States • NASDAQ - Nasdaq • WABC • Currency: USD

Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. 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, 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.

Key strengths
  • Healthy operating margin (≥15%) indicates efficient core operations.
  • Double-digit profit margin (≥10%) supports robust bottom-line economics.
  • Net cash balance sheet provides flexibility for downturns and investment.
Scale & Structure Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
Market Cap Total equity value of the company (share price × shares outstanding).
USD 1.24B
Enterprise Value Operating value: market cap + total debt − cash.
USD 735.14M
Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
USD 274.79M
Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
USD 10.38
EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
4.80
Dividend Yield Annual dividend ÷ share price. Reconciled using dividend per share when available.
3.78%
Shares Outstanding
25.46M
Float Shares
24.19M
Implied Shares Outstanding
25.46M
Profitability & Efficiency TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful.
Operating Margin (TTM) Strong Operating income ÷ revenue over the last twelve months (reconciled when possible).
61.83%
Profit Margin (TTM) Solid Net income ÷ revenue over the last twelve months (reconciled when possible).
46.17%
ROA Return on assets: net income ÷ total assets.
2.09%
ROE Return on equity: net income ÷ shareholder equity.
14.60%
Growth Growth rates are YoY unless labeled QoQ.
Revenue Growth Year-over-year revenue growth.
-13.20%
Earnings Growth (YoY) Year-over-year earnings growth.
-15.70%
Earnings Growth (QoQ) Quarter-over-quarter earnings growth.
-18.00%
Liquidity & Solvency Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
Total Cash Cash and equivalents.
USD 626.44M
Total Debt Short + long-term interest-bearing debt.
USD 121.58M
Net Debt Net Cash Total debt − cash (negative = net cash).
USD -504.85M
Sharemaestro House View
Confidence: 2 Sharemaestro internal conviction (0–3, higher is better). Risk: 3 Sharemaestro internal risk profile (0–3, higher is safer). Operational: 3 Operational quality/consistency (0–3, higher is better). Composite Score: 3 Overall internal composite (0–3, higher is better). Suggested Allocation: 5.00% Indicative portfolio weighting suggestion based on house view.
Structural Insights (experimental)
Ownership & Liquidity
Free Float Proportion of shares available for public trading. 95.0%
Insiders Shares held by company insiders (officers, directors). 4.9%
Institutions Shares held by institutions (funds, pensions). 79.6%
Capital Structure
Potential Dilution Increase in share count if options/convertibles exercise.
None detected
Net Debt Total debt − cash (negative = net cash).
USD -504.85M
-183.7% of revenue Net debt relative to revenue — debt load vs business scale.
Resilience Score 0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating. 100
Methodology Notes
  • Gross Profit hidden for financial institutions (often redundant with revenue).
As of: 2025-08-18 10:04

Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.

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