Stocks · Financial Services · Banks - Regional
West Bancorporation, Inc. WTBA
$30.08 +4.16% Close, Oct 2, 2026 · NASDAQ · Market cap $512.7M
Strong trend
Next earnings report: Oct 29, 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
- Earnings beat analyst estimates in each of the last 8 quarters (average surprise over the last four: +7.3%).
- Net debt is 6.1× EBITDA, a high level of leverage.
- Operating margin widened to 24.3% from 17.2% a year earlier.
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.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 28%
- EPS growth (TTM, YoY)Top 34%
- FCF growth (TTM, YoY)Top 36%
- Revenue growth, 3-year CAGRBottom 48%
- Revenue growth accelerationTop 45%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 14%
- Gross marginBottom 24%
- Operating marginTop 43%
- Cash conversion (OCF / net income)Top 38%
- Accruals (lower is better)Top 50%
- Net debt / EBITDA (lower is better)Bottom 20%
- Interest coverBottom 26%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 43%
- Free-cash-flow yieldTop 39%
- EBITDA / enterprise valueTop 50%
- Sales / enterprise valueBottom 32%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 11%
- 6-month returnTop 14%
- 1-year return vs S&P 500Top 7%
- Distance from 52-week highTop 9%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 38%
- Consecutive EPS beatsTop 13%
- Share of analysts rating BuyBottom 30%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 47%
- Maximum drawdown, 3 yearsTop 47%
- Beta vs S&P 500 (lower is better)Top 47%
- Net debt / EBITDA (lower is better)Bottom 20%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.2% | 0.4% | ↑ |
| EPS growth (YoY) | 34.4% | 31.8% | ↓ |
| Gross margin | 43.2% | 51.4% | ↑ |
| Operating margin | 17.2% | 24.3% | ↑ |
| FCF margin | 18.1% | 24.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.4% | 0.2% | ↑ | Bottom 28% |
| EPS growth (TTM, YoY) | 31.8% | 34.4% | ↓ | Top 34% |
| Gross margin | 51.4% | 43.2% | ↑ | Bottom 24% |
| Operating margin | 24.3% | 17.2% | ↑ | Top 43% |
| Net margin | 19.1% | 14.5% | ↑ | — |
| Free-cash-flow margin | 24.6% | 18.1% | ↑ | — |
| Return on invested capital | -1.4% | — | Bottom 14% | |
| Revenue growth, 3-year CAGR | 14.1% | — | Bottom 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.31×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -11.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 6.07×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.31%
- Net buyback yield (TTM)
- -0.26%
- Shareholder yield
- 3.05%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 8
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +7.3%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 5 of 8
Analysts
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +1.6% | +2.1% | +5.0% | +5.6% | — |
| Apr 23, 2026 | +3.4% | +3.5% | +1.5% | -0.0% | +14.0% |
| Jan 29, 2026 | +7.0% | +4.2% | +15.9% | +11.6% | +7.6% |
| Oct 23, 2025 | +17.0% | +3.4% | +7.5% | +7.5% | +12.8% |
| Jul 24, 2025 | +4.4% | -2.7% | -5.9% | -2.3% | -1.1% |
| Apr 24, 2025 | +21.1% | -4.9% | -1.3% | -0.1% | -0.5% |
| Jan 23, 2025 | +5.0% | -0.2% | +3.9% | +4.7% | -10.5% |
| Oct 24, 2024 | +12.9% | +0.5% | +8.1% | +15.3% | +3.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.64 | $0.63 | +1.6% | $28.2M |
| Apr 23, 2026 | $0.61 | $0.59 | +3.4% | $27.0M |
| Jan 29, 2026 | $0.61 | $0.57 | +7.0% | $27.3M |
| Oct 23, 2025 | $0.55 | $0.47 | +17.0% | $24.8M |
| Jul 24, 2025 | $0.47 | $0.45 | +4.4% | $23.7M |
| Apr 24, 2025 | $0.46 | $0.38 | +21.1% | $22.9M |
| Jan 23, 2025 | $0.42 | $0.40 | +5.0% | $20.7M |
| Oct 24, 2024 | $0.35 | $0.31 | +12.9% | $20.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.4× | 11.2× | 86th | Top 43% |
| P/E (forward) | 11.6× | — | — | — |
| EV / EBITDA | 15.1× | — | — | Top 50% |
| EV / Sales | 4.27× | — | — | Bottom 32% |
| Free-cash-flow yield | 9.63% | — | — | Top 39% |
| Earnings yield | 7.45% | — | — | Top 43% |
P/E over the past five years
Range 7.1× – 16.3× 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
- +49.1%
- Earnings per share growth (TTM)
- +31.8%
- Change in P/E multiple
- +9.6%
Most of the move came from earnings growth.
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
- 2
- Days above the 200-day average
- 237
- 50-day average slope (20 days)
- +3.5%
- 200-day average slope (20 days)
- +2.8%
- Distance from 50-day average
- +4.5%
- Distance from 200-day average
- +18.3%
- RSI (14)
- 63.0
- Relative volume
- 2.46×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.2%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.67
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- +0.0%
- Maximum drawdown, 3 years
- -27.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 8, 2021 | May 12, 2023 | -54.6% | 379 days | Not yet recovered |
| Jun 7, 2021 | Jun 18, 2021 | -13.2% | 9 days | 31 days (Aug 3, 2021) |
| Mar 12, 2021 | Mar 24, 2021 | -11.9% | 8 days | 29 days (May 5, 2021) |
| Aug 11, 2021 | Sep 21, 2021 | -10.7% | 28 days | 28 days (Oct 29, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $512.7M
- P/E (TTM)
- 13.4
- EPS, diluted (TTM)
- $2.24
- Revenue (TTM)
- $200.6M
- Dividend yield
- 3.36%
- 52-week range
- $19.03 – $30.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $116.4M | $133.6M | $169.7M | $197.8M | $198.5M |
| Gross profit | $105.7M | $104.4M | $77.8M | $78.1M | $95.2M |
| Operating income | $62.9M | $59.4M | $29.8M | $27.4M | $41.4M |
| Net income | $49.6M | $46.4M | $24.1M | $24.1M | $32.6M |
| EPS (diluted) | $2.95 | $2.76 | $1.44 | $1.42 | $1.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $50.8M | $50.6M | $48.2M | $50.2M | $51.2M | $48.3M | $49.9M | $51.1M |
| Net income | $6.0M | $7.1M | $7.8M | $8.0M | $9.3M | $7.4M | $10.6M | $11.1M |
| EPS (diluted) | $0.35 | $0.42 | $0.46 | $0.47 | $0.55 | $0.44 | $0.61 | $0.64 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $57.9M | $59.4M | $25.2M | $39.8M | $46.5M |
| Capital expenditure | -$8.7M | -$21.3M | -$36.4M | -$26.1M | -$3.3M |
| Free cash flow | $49.1M | $38.1M | -$11.1M | $13.7M | $43.2M |
| Dividends paid | -$15.5M | -$16.6M | -$16.7M | -$16.8M | -$16.9M |
| Net share buybacks | -$1.2M | -$1.5M | -$935,000 | -$1.1M | -$1.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $477.6M
- Total assets
- $4.03B
- Total liabilities
- $3.75B
- Total debt
- $374.0M
- Net debt
- $343.1M
- Shareholders’ equity
- $281.0M
As of Jun 30, 2026 (filed Jul 23, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.26 | Aug 19, 2026 |
| May 6, 2026 | $0.25 | May 20, 2026 |
| Feb 11, 2026 | $0.25 | Feb 25, 2026 |
| Nov 5, 2025 | $0.25 | Nov 19, 2025 |
| Aug 6, 2025 | $0.25 | Aug 20, 2025 |
| May 7, 2025 | $0.25 | May 21, 2025 |
| Feb 5, 2025 | $0.25 | Feb 19, 2025 |
| Nov 6, 2024 | $0.25 | Nov 20, 2024 |
Short interest
- Shares sold short
- 425,631
- Days to cover
- 8.62
- Change vs previous report
- +2.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 27, 2006
- 21-for-20
- Jul 22, 2004
- 21-for-20
- May 4, 1999
- 3-for-2
- Aug 14, 1996
- 3-for-2