Stock AnalizWestamerica Bancorporation WABC
Major Banks · data as of November 13, 2026
Westamerica Bancorporation (WABC) is a financial company listed in the US with a market value of about $1.4B. In the twelve months to September 30, 2026 it had revenue of $252M and net income of $111M, a net margin of 43.9%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (0/5).
Key numbers: a P/E of 12.8, a price to free cash flow of 12.2, 5-year revenue growth of 4% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 25% below the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $252M | $258M | $294M | $324M | $265M | $215M | $210M | $204M | $198M | $193M | $180M |
| Net income | $111M | $116M | $139M | $162M | $122M | $87M | $80M | $80M | $72M | $50M | $59M |
| Free cash flow | $113M | $120M | $140M | $157M | $113M | $87M | $106M | $77M | $94M | $78M | $76M |
| EPS (diluted) | $4.64 | $4.52 | $5.20 | $6.06 | $4.54 | $3.22 | $2.98 | $2.98 | $2.67 | $1.89 | $2.29 |
| Net margin | 43.9% | 45.0% | 47.2% | 50.0% | 46.1% | 40.3% | 38.4% | 39.4% | 36.2% | 25.9% | 32.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 1 analysts is $65.00, 9% above the current price; targets range from $65.00 to $65.00; the consensus rating is “none”; expected EPS is $4.74 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Westamerica Bancorporation’s P/E ratio?
About 12.8, based on the last twelve months of diluted earnings per share (forward P/E about 12.1).
Is Westamerica Bancorporation stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 25% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Westamerica Bancorporation pay a dividend?
Yes. The dividend yield is about 3.22%, and it has paid dividends for 10 years in our data.
Is Westamerica Bancorporation a good stock to buy?
We do not give buy or sell advice. Westamerica Bancorporation scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.