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Westamerica Bancorporation (WABC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Westamerica Bancorporation

WABCMarket cap $1.35BPrice $58.3

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Northern California, offering deposits and loans to small businesses and consumers. Keeps costs razor-thin and skips risky lending, making it one of the most efficient, conservatively run banks in the country.

In Bastion Portfolios?

52W Return+28%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)-1%–

Rev CAGR (5y)-1%1

Earnings Forecast

EPS Growth Y+1+4%5

EPS Growth Y+2-5%3

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%6

Net Income Margin44%10

Free Cash Flow Margin43%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE12%6

ROA2%4

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)136

P/BV1.68

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield3.3%8

Momentum

Short term

1 month return-0%8

3 month return+2%7

YTD return+25%8

Mid term

Price vs 52wHigh92%9

1 year return+28%8

Long term

3 year return+45%5

5 year return+23%5

Risk Shield

Price Risk

Beta0.67

Volatility19%10

Free Cash Flow

Free Cash Flow Margin43%10

Free Cash Flow Yield0.0%8

Quality

ROCE16%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

WABCWestamerica Bancorporation

Revenue FY25$258M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR-1%–

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+4%5

EPS growth, FY27E-5%3

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue -1%/yr). One year dips: EPS falls 5% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to shrink 1%/yr over the next 3 years, behind most of the market.1/10

Revenue fell 0.7%/yr over the last 3 years and is set to keep shrinking around 1%/yr.

Over five years revenue is set to shrink 0.8%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is still shrinking. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG75 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+2%7

YTD return+25%8

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+28%8

3-year return+45%5

5-year return+23%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 28% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+2%) and so far this year (+25%).

WATCH

Average long-term results. Multi-year returns are middling (+45% over three years and +23% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Westamerica Bancorporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

WABCWestamerica Bancorporation

Revenue FY25$258M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR-1%–

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+4%5

EPS growth, FY27E-5%3

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue -1%/yr). One year dips: EPS falls 5% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to shrink 1%/yr over the next 3 years, behind most of the market.1/10

Revenue fell 0.7%/yr over the last 3 years and is set to keep shrinking around 1%/yr.

Over five years revenue is set to shrink 0.8%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is still shrinking. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG75 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+2%7

YTD return+25%8

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+28%8

3-year return+45%5

5-year return+23%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 28% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+2%) and so far this year (+25%).

WATCH

Average long-term results. Multi-year returns are middling (+45% over three years and +23% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Westamerica Bancorporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community