Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
WTBA
BuyPremium GrowerFLAGWest Bancorporation, Inc. · Financial Services · United States · $485M · Avg Vol: $2M/d
West Bancorporation has strong momentum at M73 but value at V44 is below the calibrated floor and quality exactly at Q60, so stage one fails.
COMPANY DESCRIPTION
West Bancorporation is the holding company for West Bank, a relationship-focused regional bank operating in Iowa, Minnesota, and South Dakota. The bank specializes in commercial banking services, targeting medium-sized businesses with customized lending and treasury management solutions. Its disciplined credit culture and highly efficient operating model have consistently generated above-peer return on assets and low non-performing loan ratios.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 101.9M | 79.1M | 79.1M | 94.5M | -2.5% | 103.4M | 108.0M | 116.7M | 11.2% |
| EPS | 2.79 | 1.44 | 1.43 | 1.92 | -11.7% | 2.25 | 2.60 | 2.82 | 21.1% |
| Shares | 16.6M | 16.7M | 16.8M | 16.9M | +1.8% | 17.0M | — | — | — |
| Debt | 285.9M | 442.4M | 392.6M | 376.4M | 9.6% | 384.4M | — | — | — |
| Equity | 211.1M | 225.0M | 227.9M | 266.0M | 8.0% | — | — | — | — |
| Op CF | 59.4M | 25.2M | 39.8M | 46.5M | -7.9% | 50.5M | — | — | — |
| Inv CF | -357.8M | -168.7M | -27.3M | 93.3M | — | — | — | — | — |
| Fin CF | 132.1M | 182.3M | 165.7M | 87.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WTBA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| WTBA | West Bancorporation, Inc.(you) | $485M | 70 | Buy |
| BWFG | Bankwell Financial Group, Inc. | $531M | 70 | Buy |
| PLBC | Plumas Bancorp | $430M | 71 | Buy |
| OBT | Orange County Bancorp, Inc. | $511M | 67 | Buy |
| PCB | PCB Bancorp | $386M | 69 | Buy |
| RBB | RBB Bancorp | $444M | 75 | Buy |
| NECB | Northeast Community Bancorp, Inc. | $364M | 71 | Buy |
| CIVB | Civista Bancshares, Inc. | $571M | 73 | Buy |
| COFS | ChoiceOne Financial Services, Inc. | $499M | 76 | Buy |
| CBK | Commercial Bancgroup, Inc. | $467M | 64 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%