Saturday 17 October 2026
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Westamerica Bancorporation
WABC Financial Banks Regional
Westamerica Bancorporation’s revenue for fiscal 2025 (year ended December 2025) was $271.8 million, down 12.7% from fiscal 2024. In the quarter to June 2026, revenue fell 2.49%, EPS grew 4.46% and free cash flow fell 33.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
61.28
0.38
+0.62%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
27.46 | 31.08 | 20.70 | 22.67 | 18.55 | 17.93 | 12.88 | 9.29 | 10.09 | 10.58 |
Piotroski F-Score |
5 | 7 | 6 | 7 | 7 | 6 | 6 | 6 | 7 | 6 |
P/S ratio |
8.86 | 8.01 | 7.42 | 8.86 | 7.04 | 7.15 | 5.88 | 4.59 | 4.50 | 4.52 |
P/FCF ratio |
21.33 | 20.00 | 15.79 | 23.72 | 13.62 | 17.74 | 13.90 | 9.57 | 9.64 | 10.26 |
P/Operating CF |
87.62 | 99.61 | 91.57 | 113.88 | 129.49 | 88.06 | 37.52 | (188.40) | 47.02 | 46.22 |
P/B ratio |
2.88 | 2.64 | 2.41 | 2.50 | 1.76 | 1.87 | 2.61 | 1.95 | 1.57 | 1.32 |
Price to Tangible BV |
3.74 | 3.36 | 3.02 | 3.00 | 2.06 | 2.20 | 3.27 | 2.31 | 1.82 | 1.51 |
EV/Sales |
6.44 | 5.16 | 5.42 | 7.15 | 4.17 | 1.98 | 4.81 | 4.19 | 2.95 | 2.92 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
15.14 | 12.45 | 11.21 | 18.26 | 8.18 | 4.84 | 11.30 | 8.67 | 6.49 | 6.51 |
EV/FCF |
15.50 | 12.89 | 11.53 | 19.13 | 8.06 | 4.91 | 11.38 | 8.73 | 6.33 | 6.63 |
Quick Ratio |
0.10 | 0.12 | 0.09 | 0.08 | 0.11 | 0.17 | 0.05 | 0.03 | 0.12 | 0.11 |
Current Ratio |
0.38 | 0.38 | 0.33 | 0.31 | 0.32 | 0.33 | 0.20 | 0.19 | 0.27 | 0.26 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.32 | 1.61 | 1.35 | 1.00 | 1.34 | 1.03 | 0.93 | 0.98 | 1.02 | 1.05 |
Capex/Depreciation |
(0.09) | (0.10) | (0.11) | (0.18) | 0.09 | (0.12) | (0.05) | (0.10) | 0.36 | (0.30) |
| 10.76% | 8.69% | 11.87% | 11.94% | 10.20% | 10.35% | 17.08% | 23.53% | 16.67% | 12.74% | |
| 1.12% | 0.92% | 1.29% | 1.44% | 1.30% | 1.22% | 1.69% | 2.43% | 2.23% | 1.93% | |
ROIC |
50.43% | 357.57% | 29.12% | 18.37% | 29.86% | 0.00% | 33.62% | 23.77% | 40.96% | 26.78% |
Return on Tangible Assets |
(2.00%) | (1.66%) | (2.18%) | (2.42%) | (2.06%) | (1.99%) | (2.43%) | (3.62%) | (3.75%) | (3.17%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
53.11% | 52.73% | 52.53% | 47.77% | 48.64% | 45.12% | 37.23% | 31.16% | 33.64% | 37.30% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.82% | 0.94% | 0.99% | 0.85% | 0.89% | 0.65% | 0.49% | 0.41% | 0.48% | 0.40% |
Graham Net Nets |
(1.86) | (1.98) | (2.26) | (1.87) | (2.72) | (2.87) | (3.26) | (3.03) | (2.70) | (3.05) |
Graham Number |
33.68 | 31.06 | 37.39 | 42.73 | 45.85 | 47.24 | 47.77 | 62.82 | 62.47 | 60.81 |
Earnings Yield |
3.64% | 3.22% | 4.83% | 4.41% | 5.39% | 5.58% | 7.76% | 10.76% | 9.91% | 9.45% |
Free Cash Flow Yield |
4.69% | 5.00% | 6.33% | 4.22% | 7.34% | 5.64% | 7.19% | 10.44% | 10.37% | 9.74% |
Revenue per Share |
7.13 | 7.41 | 7.50 | 7.65 | 7.85 | 8.07 | 9.92 | 12.27 | 11.66 | 10.59 |
Operating CF per Share |
3.03 | 3.07 | 3.63 | 2.99 | 4.00 | 3.30 | 4.23 | 5.92 | 5.31 | 4.75 |
Capex per Share |
(0.07) | (0.10) | (0.10) | (0.14) | 0.06 | (0.05) | (0.03) | (0.04) | 0.14 | (0.09) |
Free Cash Flow per Share |
2.96 | 2.97 | 3.53 | 2.86 | 4.06 | 3.25 | 4.20 | 5.88 | 5.44 | 4.66 |
Cash per Share |
18.05 | 21.87 | 15.77 | 13.85 | 23.06 | 42.16 | 10.94 | 7.13 | 22.54 | 22.12 |
Shareholders Equity per Share |
21.92 | 22.45 | 23.10 | 27.13 | 31.36 | 30.80 | 22.39 | 28.94 | 33.35 | 36.36 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.92 | 22.45 | 23.10 | 27.13 | 31.36 | 30.80 | 22.39 | 28.94 | 33.35 | 36.36 |
Free Cash Flow |
75.82 | 78.03 | 93.95 | 77.02 | 109.36 | 87.41 | 112.89 | 157.05 | 145.21 | 119.65 |
Working Capital |
(2,974.79) | (3,046.11) | (3,311.95) | (3,362.95) | (3,936.86) | (4,383.50) | (5,050.64) | (4,492.38) | (3,725.16) | (3,694.61) |
Capital Expenditures |
(1.82) | (2.72) | (2.68) | (3.69) | 1.62 | (1.32) | (0.81) | (1.16) | 3.63 | (2.25) |
Net Current Asset Value |
(3,015.69) | (3,082.83) | (3,346.80) | (3,407.54) | (4,049.46) | (4,457.23) | (5,115.77) | (4,551.65) | (3,779.30) | (3,743.96) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.02 | (0.01) | 0.01 | 0.00 | 0.00 | (0.01) | 0.01 |
Price to Operating Income |
20.11 | 17.90 | 16.31 | 17.36 | 13.98 | 13.26 | 9.48 | 6.79 | 7.40 | 7.84 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.54 | 0.74 | 0.70 | 0.59 | 0.55 | 0.35 | 0.52 | 0.41 | 0.39 | 0.29 |
Cash ROIC |
7.41% | 6.70% | 9.07% | 6.97% | 7.46% | 4.46% | 12.59% | 16.30% | 9.74% | 7.97% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
811,545.59 | 927,409.87 | 906,787.26 | 930,406.07 | 1,138,219.48 | 1,197,490.51 | 1,180,379.66 | 513,652.30 | 105,018.96 | 128,836.56 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,622.70 | 4,766.18 | 4,847.23 | 4,839.73 | 5,250.30 | 6,050.97 | 6,319.62 | 5,849.78 | 5,243.06 | 4,925.93 |
Average Assets |
5,267.48 | 5,439.56 | 5,540.79 | 5,594.04 | 6,183.74 | 7,104.48 | 7,205.67 | 6,657.45 | 6,220.43 | 6,018.23 |
Average Common Equity |
546.79 | 575.80 | 602.92 | 673.50 | 788.11 | 835.96 | 714.61 | 687.50 | 831.43 | 911.73 |
Columns are period end dates