WABC

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Westamerica Bancorporation

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Key Metrics

Previous Close: $59.12
52-Week Range: $44.93 – $63.61
Market Cap: $1.38B
P/E (TTM): 13.13
EPS (TTM): 4.54
Dividend Yield: 3.22%

Advanced Metrics

Price/Book: 1.61
PEG Ratio: 4.62
Return on Equity: 12.49%
Return on Assets: 1.91%
Gross Margin: 0.00%
Operating Margin: 60.29%
Profit Margin: 43.94%
Current Ratio: —
Debt/Equity: —
Total Debt: $154.01M
Free Cash Flow: —
Revenue Growth: -2.70%
Earnings Growth: 4.50%
Enterprise Value: $1.23B

WABC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$264.95M	$323.64M	$293.75M	$258.06M
Selling, General & Admin	$46.13M	$47.87M	$50.29M	$48.69M
Pretax Income	$165.59M	$221.58M	$189.06M	$156.69M
Income Tax	$43.56M	$59.81M	$50.42M	$40.51M
Net Income	$122.03M	$161.77M	$138.64M	$116.17M
Diluted EPS	4.54	6.06	5.20	4.52
Diluted Shares	26.91M	26.71M	26.69M	25.67M

WABC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$294.24M	$190.31M	$601.49M	$567.80M
Receivables	$53.56M	$54.57M	$44.61M	$37.14M
Total Assets	$6.95B	$6.36B	$6.08B	$5.96B
Total Debt	$15.75M	$18.81M	$17.98M	$22.21M
Total Liabilities	$6.35B	$5.59B	$5.19B	$5.03B
Retained Earnings	$383.09M	$490.00M	$581.55M	$584.63M
Shareholders' Equity	$602.11M	$772.89M	$889.96M	$933.51M

WABC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$113.70M	$158.21M	$141.57M	$121.90M
Capital Expenditure	-$811.00K	-$1.16M	-$1.74M	-$2.25M
Free Cash Flow	$112.89M	$157.05M	$139.83M	$119.65M
Depreciation & Amortisation	$16.57M	$11.77M	$10.40M	$7.25M
Stock-Based Compensation	$1.31M	$1.36M	$1.48M	$1.10M
Investing Cash Flow	-$631.29M	$547.27M	$715.68M	$149.61M
Financing Cash Flow	-$320.26M	-$809.40M	-$446.07M	-$305.20M
Dividends Paid	-$45.18M	-$45.95M	-$46.96M	-$46.94M
Share Repurchases	-$218.00K	-$13.75M	-$210.00K	-$103.78M
Net Change in Cash	-$837.85M	-$103.92M	$411.18M	-$33.69M

WABC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$64.59M	$63.74M	$63.31M	$62.08M	$62.77M
Selling, General & Admin	$12.30M	$12.39M	$11.87M	$12.32M	$12.54M
Pretax Income	$39.06M	$37.94M	$37.84M	$36.47M	$36.73M
Income Tax	$10.00M	$9.68M	$10.04M	$9.12M	$9.35M
Net Income	$29.07M	$28.26M	$27.81M	$27.36M	$27.39M
Diluted EPS	1.12	1.12	1.12	1.13	1.17
Diluted Shares	25.89M	25.34M	24.85M	24.31M	23.32M

WABC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$626.44M	$659.27M	$567.80M	$397.28M	$301.93M
Receivables	$40.17M	$39.38M	$37.14M	$36.76M	$35.70M
Total Assets	$5.83B	$5.91B	$5.96B	$5.86B	$5.81B
Total Debt	$20.38M	$22.43M	$22.21M	$21.03M	$22.20M
Total Liabilities	$4.90B	$4.98B	$5.03B	$4.98B	$4.95B
Retained Earnings	$581.57M	$582.96M	$584.63M	$567.61M	$555.70M
Shareholders' Equity	$921.78M	$931.65M	$933.51M	$882.69M	$853.15M

WABC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$23.52M	$29.42M	$26.57M	$39.74M	$15.54M
Capital Expenditure	-$735.00K	-$686.00K	-$626.00K	-$1.01M	-$305.00K
Free Cash Flow	$22.78M	$28.73M	$25.94M	$38.72M	$15.23M
Depreciation & Amortisation	$2.21M	$1.88M	$1.15M	$929.00K	$736.00K
Stock-Based Compensation	$300.00K	$200.00K	$300.00K	$225.00K	$225.00K
Investing Cash Flow	$64.52M	-$39.47M	-$133.72M	-$98.88M	-$39.80M
Financing Cash Flow	-$188.94M	$42.88M	$15.69M	-$111.38M	-$71.09M
Dividends Paid	-$12.02M	-$11.70M	-$11.46M	-$11.27M	-$11.27M
Share Repurchases	-$38.35M	-$23.88M	-$23.33M	-$51.00M	-$41.52M
Net Change in Cash	-$100.90M	$32.83M	-$91.47M	-$170.52M	-$95.35M

Market Snapshot

About

Westamerica Bancorporation is a bank holding company operating community banks primarily in Northern and Central California. The company provides a full range of commercial and consumer banking services including loans, deposits, and wealth management through its network of branches.