Westamerica Bancorporation
WABC Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$61.88
KIRA · Stoqly’s AI analyst, in plain words
- Westamerica Bancorporation had $258M of revenue in fiscal 2025, down 12.2% on the year before. Over five years, revenue changed +4.2% a year on average.
- Westamerica Bancorporation made $116M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.8% a year.
- Westamerica Bancorporation returned $151M to shareholders in fiscal 2025, 126% of free cash flow. The diluted share count fell 3.8%.
- It earned 12.7% on shareholders’ money. Running costs took 39.5% of revenue (the efficiency ratio; lower is better).
Market cap
$1.4B
P/E
13.6x
Revenue
$258M
Net income
$116M
Return on equity
12.7%
Efficiency ratio
39.5%
Westamerica Bancorporation in 30 seconds · fiscal 2025
Are sales growing?
−12.2%
No. Sales fell 12.2% last year.
Does it make a profit?
45.0%
Yes. It keeps 45.0% of every sale as profit.
How lean are its costs?
39.5%
Lean. Running costs take 39.5% of revenue.
How much does it earn on its capital?
12.7%
Good. It earns 12.7% a year on shareholders’ money.
How is the share priced?
13.6x
One share costs 13.6 times its yearly profit per share.
What Westamerica Bancorporation does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- WESTAMERICA BANCORPORATION
- CIK
- 0000311094
Westamerica Bancorporation · WABC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $215M | $265M | $324M | $294M | $258M |
| Revenue growth | 2.5% | 23.3% | 22.2% | −9.2% | −12.2% |
| Net interest income | $171M | $220M | $280M | $251M | $217M |
| Net income | $86.5M | $122M | $162M | $139M | $116M |
| Net margin | 40.3% | 46.1% | 50.0% | 47.2% | 45.0% |
| Diluted EPS | $3.22 | $4.54 | $6.06 | $5.20 | $4.52 |
| Cash | |||||
| Cash from operations | $88.7M | $114M | $158M | $142M | $122M |
| Capital expenditure | $1.3M | $0.8M | $1.2M | $1.7M | $2.2M |
| Free cash flow | $87.4M | $113M | $157M | $140M | $120M |
| FCF margin | 40.7% | 42.6% | 48.5% | 47.6% | 46.4% |
| Dividends paid | $44.3M | $45.2M | $46.0M | $47.0M | $46.9M |
| Share buybacks | $0.2M | $0.2M | $13.7M | $0.2M | $104M |
| Share count change | −0.3% | 0.1% | −0.7% | −0.1% | −3.8% |
| Debt and strength | |||||
| Debt incl. finance leases | $146M | $57.8M | $58.2M | $120M | $137M |
| Loans, net | — | — | — | $806M | $715M |
| Deposits | $6.4B | $6.2B | $5.5B | $5.0B | $4.8B |
| Shareholders' equity | $827M | $602M | $773M | $890M | $934M |
| Returns and quality | |||||
| Return on equity | 10.3% | 17.1% | 23.5% | 16.7% | 12.7% |
| Return on tangible equity | 12.3% | 25.4% | 24.9% | 18.0% | 14.3% |
| Efficiency ratio | 45.5% | 37.5% | 31.9% | 35.5% | 39.5% |
| Piotroski F-score | 4 | 5 | 5 | 4 | 4 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Westamerica Bancorporation · WABC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $61.88 a share, the company is worth $1.4B: 13.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000311094). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.