Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
WABC
HoldPremium GrowerWestamerica Bancorporation · Financial Services · United States · $1.3B · Avg Vol: $7M/d
COMPANY DESCRIPTION
Westamerica Bancorporation operates Westamerica Bank, a regional financial institution providing a full range of commercial and retail banking services across Northern and Central California. The company benefits from its deeply embedded community presence and a relationship-based banking model, serving small to medium-sized businesses and individual customers. Its conservative lending practices and established market share contribute to a stable financial performance.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 265.0M | 323.6M | 293.8M | 258.1M | -0.9% | 252.2M | 250.9M | 246.7M | -2.2% |
| EPS | 4.54 | 6.06 | 5.20 | 4.52 | -0.1% | 4.53 | 4.63 | 4.67 | 1.7% |
| Shares | 26.9M | 26.7M | 26.7M | 24.6M | -8.5% | 23.1M | — | — | — |
| Debt | 15.7M | 18.8M | 18.0M | 22.2M | 12.1% | 154.0M | — | — | — |
| Equity | 602.1M | 772.9M | 890.0M | 933.5M | 15.7% | — | — | — | — |
| Op CF | 113.7M | 158.2M | 141.6M | 121.9M | 2.3% | 111.3M | — | — | — |
| Inv CF | -631.3M | 547.3M | 715.7M | 149.6M | — | — | — | — | — |
| Fin CF | -320.3M | -809.4M | -446.1M | -305.2M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WABC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| WABC | Westamerica Bancorporation(you) | $1.3B | 58 | Hold |
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 56 | Hold |
| AMTB | Amerant Bancorp Inc. | $1.1B | 58 | Hold |
| HFWA | Heritage Financial Corporation | $1.2B | 56 | Hold |
| LKFN | Lakeland Financial Corporation | $1.5B | 55 | Hold |
| TCBK | TriCo Bancshares | $1.7B | 58 | Hold |
| HOPE | Hope Bancorp, Inc. | $1.8B | 59 | Hold |
| CLBK | Columbia Financial, Inc. | $1.2B | 53 | Hold |
| FSBC | Five Star Bancorp | $1.1B | 62 | Hold |
| TRST | TrustCo Bank Corp NY | $973M | 60 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%