Stocks · Financial Services · Banks - Regional
Westamerica Bancorporation WABC
$59.60 +0.81% Close, Oct 2, 2026 · NASDAQ · Market cap $1.40B
High quality
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 9.9% in a year, mainly through buybacks.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +5.1%).
- The stock is in an uptrend: above its 200-day average for 181 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth10Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 13%
- EPS growth (TTM, YoY)Bottom 25%
- FCF growth (TTM, YoY)Bottom 20%
- Revenue growth, 3-year CAGRBottom 9%
- Revenue growth accelerationTop 24%
Quality88Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 45%
- Gross marginTop 4%
- Operating marginTop 6%
- Cash conversion (OCF / net income)Bottom 38%
- Accruals (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Top 17%
- Interest coverTop 14%
Value55Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 41%
- Free-cash-flow yieldBottom 49%
- EBITDA / enterprise valueTop 19%
- Sales / enterprise valueBottom 27%
- P/E vs own 5-year history (lower is better)Bottom 41%
Momentum79Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 38%
- 6-month returnTop 28%
- 1-year return vs S&P 500Top 32%
- Distance from 52-week highTop 31%
- Trend checklist (0–4)Top 11%
Revisions23Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 48%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 6%
Stability74Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 37%
- Maximum drawdown, 3 yearsTop 38%
- Beta vs S&P 500 (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Top 17%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -11.5% | -8.5% | ↑ |
| EPS growth (YoY) | -10.2% | -5.2% | ↑ |
| Gross margin | 94.8% | 94.9% | ↑ |
| Operating margin | 59.4% | 56.1% | ↓ |
| FCF margin | 46.2% | 40.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -8.5% | -11.5% | ↑ | Bottom 13% |
| EPS growth (TTM, YoY) | -5.2% | -10.2% | ↑ | Bottom 25% |
| Gross margin | 94.9% | 94.8% | ↑ | Top 4% |
| Operating margin | 56.1% | 59.4% | ↓ | Top 6% |
| Net margin | 41.7% | 43.7% | ↓ | — |
| Free-cash-flow margin | 40.7% | 46.2% | ↓ | — |
| Return on invested capital | 1.9% | — | Top 45% | |
| Revenue growth, 3-year CAGR | 0.6% | — | Bottom 9% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -2.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.97×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 10.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.26%
- Net buyback yield (TTM)
- 9.53%
- Shareholder yield
- 12.79%
- Share count change, 1 year
- -9.9%
- Share count change, 3-year CAGR
- -4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +5.1%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $57.00
- Target vs current price
- -4.4%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | +6.4% | +5.8% | +2.0% | +0.9% | — |
| Apr 16, 2026 | +5.6% | +0.8% | +1.1% | +1.0% | +10.0% |
| Jan 15, 2026 | +4.7% | +4.9% | +5.6% | +7.5% | +11.0% |
| Oct 16, 2025 | +3.7% | -1.4% | +2.2% | +4.0% | +4.8% |
| Jul 17, 2025 | +4.7% | -0.0% | -1.5% | -1.2% | -8.2% |
| Apr 17, 2025 | +4.5% | +0.8% | +6.2% | +11.2% | +10.4% |
| Jan 16, 2025 | +0.0% | -1.1% | -0.9% | -4.1% | -15.8% |
| Oct 17, 2024 | +2.4% | +1.6% | +1.2% | +11.8% | +0.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $1.17 | $1.10 | +6.4% | $63.0M |
| Apr 16, 2026 | $1.13 | $1.07 | +5.6% | $62.3M |
| Jan 15, 2026 | $1.12 | $1.07 | +4.7% | $63.6M |
| Oct 16, 2025 | $1.12 | $1.08 | +3.7% | $63.8M |
| Jul 17, 2025 | $1.12 | $1.07 | +4.7% | $64.6M |
| Apr 17, 2025 | $1.16 | $1.11 | +4.5% | $66.4M |
| Jan 16, 2025 | $1.19 | $1.19 | +0.0% | $69.9M |
| Oct 17, 2024 | $1.27 | $1.24 | +2.4% | $74.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.1× | 10.4× | 67th | Top 41% |
| P/E (forward) | 12.9× | — | — | — |
| EV / EBITDA | 8.2× | — | — | Top 19% |
| EV / Sales | 4.71× | — | — | Bottom 27% |
| Free-cash-flow yield | 7.72% | — | — | Bottom 49% |
| Earnings yield | 7.62% | — | — | Top 41% |
P/E over the past five years
Range 7.3× – 18.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +19.3%
- Earnings per share growth (TTM)
- -5.2%
- Change in P/E multiple
- +33.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 181
- 50-day average slope (20 days)
- -0.1%
- 200-day average slope (20 days)
- +2.1%
- Distance from 50-day average
- +0.5%
- Distance from 200-day average
- +8.5%
- RSI (14)
- 52.3
- Relative volume
- 0.52×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.4%
- Volatility vs own 5-year history
- 9th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.62
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -4.6%
- Maximum drawdown, 3 years
- -25.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | May 16, 2023 | -44.5% | 548 days | Not yet recovered |
| Nov 16, 2020 | Dec 22, 2020 | -11.6% | 25 days | 9 days (Jan 6, 2021) |
| Oct 12, 2020 | Nov 4, 2020 | -10.6% | 17 days | 4 days (Nov 10, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.40B
- P/E (TTM)
- 13.1
- EPS, diluted (TTM)
- $4.54
- Revenue (TTM)
- $265.7M
- Dividend yield
- 3.15%
- 52-week range
- $44.93 – $63.61
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $216.8M | $266.9M | $327.5M | $311.2M | $271.8M |
| Gross profit | $214.8M | $265.0M | $324.8M | $293.4M | $258.7M |
| Operating income | $117.0M | $165.6M | $221.6M | $189.1M | $156.7M |
| Net income | $86.5M | $122.0M | $161.8M | $138.6M | $116.2M |
| EPS (diluted) | $3.22 | $4.54 | $6.06 | $5.20 | $4.53 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $79.7M | $73.0M | $69.8M | $67.8M | $67.5M | $66.8M | $65.4M | $66.1M |
| Net income | $35.1M | $31.7M | $31.0M | $29.1M | $28.3M | $27.8M | $27.4M | $27.4M |
| EPS (diluted) | $1.31 | $1.19 | $1.17 | $1.12 | $1.12 | $1.12 | $1.13 | $1.17 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $88.7M | $113.7M | $158.2M | $141.6M | $121.9M |
| Capital expenditure | -$1.3M | -$811,000 | -$1.2M | -$1.7M | -$2.2M |
| Free cash flow | $87.4M | $112.9M | $157.0M | $139.8M | $119.6M |
| Dividends paid | -$44.3M | -$45.2M | -$46.0M | -$47.0M | -$46.9M |
| Net share buybacks | -$232,000 | -$218,000 | -$13.7M | -$210,000 | -$103.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $301.9M
- Total assets
- $5.81B
- Total liabilities
- $4.95B
- Total debt
- $154.0M
- Net debt
- -$147.9M
- Shareholders’ equity
- $853.1M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.48 | Aug 14, 2026 |
| May 4, 2026 | $0.48 | May 15, 2026 |
| Feb 2, 2026 | $0.46 | Feb 13, 2026 |
| Nov 3, 2025 | $0.46 | Nov 14, 2025 |
| Aug 4, 2025 | $0.46 | Aug 15, 2025 |
| May 5, 2025 | $0.46 | May 16, 2025 |
| Feb 3, 2025 | $0.44 | Feb 14, 2025 |
| Nov 4, 2024 | $0.44 | Nov 15, 2024 |
Short interest
- Shares sold short
- 949,492
- Days to cover
- 5.70
- Change vs previous report
- +5.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 26, 1998
- 3-for-1
- Jun 11, 1987
- 2-for-1
- Dec 3, 1981
- 5,359-for-5,000
- Jan 22, 1979
- 11-for-10
- Apr 10, 1978
- 2-for-1