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Westamerica Bancorporation WABC

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60.38 USD -0.86 (-1.40%)

At closeNov 4, 2026, 5:07 AM EST

61.42 +1.04 +1.73%

Pre-market · Nov 4, 5:07 AM ET

60.23 Day range 61.40
46.23 52-week range 63.61
YTD
+26.24%
1 year
+28.06%

Financial health

Altman Z-Score

0.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 10.6×
FY 2016: 27.4×FY 2017: 31.3×FY 2018: 20.7×FY 2019: 22.7×FY 2020: 18.6×FY 2021: 17.9×FY 2022: 13.0×FY 2023: 9.3×FY 2024: 10.1×FY 2025: 10.6×
FY 2016 5y median 10.6× FY 2025
P/S 4.4×
FY 2016: 8.8×FY 2017: 8.1×FY 2018: 7.4×FY 2019: 8.9×FY 2020: 7.2×FY 2021: 7.2×FY 2022: 5.9×FY 2023: 4.6×FY 2024: 4.5×FY 2025: 4.4×
FY 2016 5y median 4.6× FY 2025
P/B 1.3×
FY 2016: 2.9×FY 2017: 2.7×FY 2018: 2.4×FY 2019: 2.5×FY 2020: 1.8×FY 2021: 1.9×FY 2022: 2.6×FY 2023: 1.9×FY 2024: 1.6×FY 2025: 1.3×
FY 2016 5y median 1.9× FY 2025
P/FCF 9.9×
FY 2016: 21.3×FY 2017: 20.1×FY 2018: 15.9×FY 2019: 23.8×FY 2020: 14.1×FY 2021: 17.7×FY 2022: 14.1×FY 2023: 9.6×FY 2024: 10.0×FY 2025: 9.9×
FY 2016 5y median 10.0× FY 2025
EV/EBITDA 4.8×
FY 2016: 12.7×FY 2017: 9.8×FY 2018: 10.1×FY 2019: 12.2×FY 2020: 7.6×FY 2021: 4.4×FY 2022: 7.5×FY 2023: 6.0×FY 2024: 4.7×FY 2025: 4.8×
FY 2016 5y median 4.8× FY 2025
EV/Sales 2.9×
FY 2016: 6.9×FY 2017: 5.7×FY 2018: 5.8×FY 2019: 7.4×FY 2020: 4.8×FY 2021: 2.7×FY 2022: 5.1×FY 2023: 4.3×FY 2024: 3.0×FY 2025: 2.9×
FY 2016 5y median 3.0× FY 2025
FCF Yield 10.1%
FY 2016: 4.7%FY 2017: 5.0%FY 2018: 6.3%FY 2019: 4.2%FY 2020: 7.1%FY 2021: 5.6%FY 2022: 7.1%FY 2023: 10.4%FY 2024: 10.0%FY 2025: 10.1%
FY 2016 5y median 10.0% FY 2025

Profitability

Gross Margin 95.2%
FY 2016: 100.6%FY 2017: 100.0%FY 2018: 99.0%FY 2019: 99.1%FY 2020: 97.1%FY 2021: 99.1%FY 2022: 99.3%FY 2023: 99.2%FY 2024: 94.3%FY 2025: 95.2%
FY 2016 5y median 99.1% FY 2025
Operating Margin 57.6%
FY 2016: 43.8%FY 2017: 44.9%FY 2018: 45.5%FY 2019: 51.1%FY 2020: 51.4%FY 2021: 54.0%FY 2022: 62.0%FY 2023: 67.7%FY 2024: 60.8%FY 2025: 57.6%
FY 2016 5y median 60.8% FY 2025
Net Margin 42.7%
FY 2016: 32.2%FY 2017: 25.7%FY 2018: 35.8%FY 2019: 39.0%FY 2020: 38.7%FY 2021: 39.9%FY 2022: 45.7%FY 2023: 49.4%FY 2024: 44.6%FY 2025: 42.7%
FY 2016 5y median 44.6% FY 2025
ROE 12.4%
FY 2016: 10.5%FY 2017: 8.5%FY 2018: 11.6%FY 2019: 11.0%FY 2020: 9.5%FY 2021: 10.5%FY 2022: 20.3%FY 2023: 20.9%FY 2024: 15.6%FY 2025: 12.4%
FY 2016 5y median 15.6% FY 2025
ROIC 10.4%
FY 2016: 8.9%FY 2017: 7.3%FY 2018: 10.2%FY 2019: 10.0%FY 2020: 7.6%FY 2021: 8.3%FY 2022: 16.8%FY 2023: 18.2%FY 2024: 13.0%FY 2025: 10.4%
FY 2016 5y median 13.0% FY 2025
ROA 1.9%
FY 2016: 1.1%FY 2017: 0.9%FY 2018: 1.3%FY 2019: 1.4%FY 2020: 1.2%FY 2021: 1.2%FY 2022: 1.8%FY 2023: 2.5%FY 2024: 2.3%FY 2025: 1.9%
FY 2016 5y median 1.9% FY 2025

Growth (YoY)

Revenue -12.6%
FY 2016: -1.0%FY 2017: 6.5%FY 2018: 2.9%FY 2019: 3.1%FY 2020: 0.9%FY 2021: 4.2%FY 2022: 23.1%FY 2023: 22.7%FY 2024: -5.0%FY 2025: -12.6%
FY 2016 FY 2025
Operating Income -17.1%
FY 2016: 4.3%FY 2017: 9.0%FY 2018: 4.4%FY 2019: 15.6%FY 2020: 1.5%FY 2021: 9.6%FY 2022: 41.5%FY 2023: 33.8%FY 2024: -14.7%FY 2025: -17.1%
FY 2016 FY 2025
EPS (diluted) -12.9%
FY 2016: -0.4%FY 2017: -17.5%FY 2018: 41.3%FY 2019: 11.6%FY 2020: 0.0%FY 2021: 8.1%FY 2022: 41.0%FY 2023: 33.5%FY 2024: -14.2%FY 2025: -12.9%
FY 2016 FY 2025
Free Cash Flow -14.5%
FY 2016: 15.0%FY 2017: 2.9%FY 2018: 19.8%FY 2019: -18.0%FY 2020: 37.6%FY 2021: -17.2%FY 2022: 29.1%FY 2023: 39.1%FY 2024: -11.0%FY 2025: -14.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 0.4×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -2.5×
FY 2016: -3.4×FY 2017: -4.0×FY 2018: -2.8×FY 2019: -2.3×FY 2020: -3.9×FY 2021: -7.2×FY 2022: -1.2×FY 2023: -0.5×FY 2024: -2.3×FY 2025: -2.5×
FY 2016 5y median -2.3× FY 2025
Interest Coverage 11.4×
FY 2016: 37.8×FY 2017: 45.9×FY 2018: 46.5×FY 2019: 55.7×FY 2020: 58.6×FY 2021: 59.9×FY 2022: 86.0×FY 2023: 57.0×FY 2024: 10.9×FY 2025: 11.4×
FY 2016 5y median 57.0× FY 2025

Dividends

Dividend Yield 3.9%
FY 2016: 2.5%FY 2017: 2.6%FY 2018: 2.9%FY 2019: 2.4%FY 2020: 3.0%FY 2021: 2.9%FY 2022: 2.8%FY 2023: 3.1%FY 2024: 3.4%FY 2025: 3.9%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 40.4%
FY 2016: 67.8%FY 2017: 82.6%FY 2018: 59.6%FY 2019: 54.7%FY 2020: 55.1%FY 2021: 51.2%FY 2022: 37.0%FY 2023: 28.4%FY 2024: 33.9%FY 2025: 40.4%
FY 2016 5y median 37.0% FY 2025

Annual · latest fiscal year ends 2025-12-31