Westamerica Bancorporation

Valuation Analysis

About the Company

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products from local businesses and professionals, as well as retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial real estate, residential real estate, real estate construction, consumer installment loans, as well as indirect automobile loans. The company serves small businesses, professionals, and consumers. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1884 and is he

Westamerica Bancorporation Stock at a Glance

Westamerica Bancorporation (WABC) is currently trading at $58.15 with a market capitalization of $1.4B. The trailing P/E ratio stands at 12.95x, with a forward P/E of 13.54x. The 52-week range spans from $44.93 to $58.48; the current price is 0.6% below the yearly high. Year-over-year revenue growth stands at -6.7%. The net profit margin stands at 44.3%.

💰 Dividend

Westamerica Bancorporation pays an annual dividend of $1.86 per share, representing a yield of 3.2%. The payout ratio stands at 40.98%.

📊 Analyst Rating

1 analysts rate Westamerica Bancorporation (WABC) on consensus: None. The average price target is $58.00, implying -0.26% from the current price. Analyst price targets range from $58.00 to $58.00.

Westamerica Bancorporation: The Investment Case in Detail

Westamerica Bancorporation (WABC) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue is contracting at -6.7% year-over-year — until that trend reverses, valuation is exposed to further downgrades.

Valuation in Context

At a PEG of 4.62, investors are paying more than three times the growth rate for each unit of earnings — that pricing assumes growth not only continues but accelerates from here.

What to Watch Next

• The share is trading at 97.6% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.2% combined with a payout ratio of 40.98% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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