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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| WABC | -4.78% | +2.84% | +0.56% | +4,238% |
| S&P | +14.5% | +93.32% | +14.09% | +3,631% |
Westamerica Bancorporation operates as a bank holding company. It provides range of banking services to individual and corporate customers in Northern and Central California. It offers loans and lines of credit, online services, mobile banking, checking, savings, credit cards, cash management, overdraft services, merchant services, professional banking, bank owned property, preventing business loans, payroll services, and trust services. The company was founded in 1972 and is headquartered in San Rafael, CA.
These banks either have a smaller loan-to-asset ratio or make more of their revenue from non-interest income sources.
Is this California-based bank a good investment?
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $67.39M | -15.5% |
| Market Cap | $1.27B | -3.5% |
| Market Cap / Employee | $1.98M | 0.0% |
| Employees | 642 | 0.2% |
| Net Income | $28.26M | -19.4% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $17.12M | -92.1% |
| Short Term Debt | $133.65M | -0.3% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.99% | -0.3% |
| Return On Invested Capital | 15.12% | 0.9% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $22.78M | 22.7% |
| Operating Free Cash Flow | $23.52M | 23.6% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 10.10 | 10.14 | 10.12 | 10.89 | 20.94% |
| Price to Book | 1.54 | 1.52 | 1.38 | 1.39 | -4.36% |
| Price to Sales | 4.50 | 4.46 | 4.32 | 4.56 | 10.62% |
| Price to Tangible Book Value | 1.78 | 1.76 | 1.59 | 1.60 | -4.58% |
| Price to Free Cash Flow TTM | 23.75 | 15.08 | 16.26 | 14.43 | -17.84% |
| Free Cash Flow Yield | 4.2% | 6.6% | 6.2% | 6.9% | 21.72% |
| Return on Equity | 16.7% | 15.5% | 14.6% | 13.0% | -30.61% |
| Total Debt | $138.31M | $133.21M | $121.59M | $133.65M | -11.75% |
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