WABC

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Westamerica Bancorporation

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Key Metrics

Previous Close: $58.10
52-Week Range: $44.93 – $63.61
Market Cap: $1.35B
P/E (TTM): 12.82
EPS (TTM): 4.55
Dividend Yield: 3.30%

Advanced Metrics

Price/Book: 1.57
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: $1.20B

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	—
Selling, General & Admin	$12.30M	$12.39M	$11.87M	$12.32M	—
Pretax Income	$39.06M	$37.94M	$37.84M	$36.47M	—
Income Tax	$10.00M	$9.68M	$10.04M	$9.12M	—
Net Income	$29.07M	$28.26M	$27.81M	$27.36M	—
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	$727.34M	$626.44M	$659.27M	$567.80M	$397.28M
Receivables	$42.12M	$40.17M	$39.38M	$37.14M	$36.76M
Total Assets	$5.97B	$5.83B	$5.91B	$5.96B	$5.86B
Total Debt	$19.99M	$20.38M	$22.43M	$22.21M	$21.03M
Total Liabilities	$5.04B	$4.90B	$4.98B	$5.03B	$4.98B
Retained Earnings	$589.06M	$581.57M	$582.96M	$584.63M	$567.61M
Shareholders' Equity	$923.14M	$921.78M	$931.65M	$933.51M	$882.69M

WABC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$42.39M	$23.52M	$29.42M	$26.57M	$39.74M
Capital Expenditure	-$199.00K	-$735.00K	-$686.00K	-$626.00K	-$1.01M
Free Cash Flow	$42.20M	$22.78M	$28.73M	$25.94M	$38.72M
Depreciation & Amortisation	$2.01M	$2.21M	$1.88M	$1.15M	$929.00K
Stock-Based Compensation	$300.00K	$300.00K	$200.00K	$300.00K	$225.00K
Investing Cash Flow	$258.28M	$64.52M	-$39.47M	-$133.72M	-$98.88M
Financing Cash Flow	-$174.84M	-$188.94M	$42.88M	$15.69M	-$111.38M
Dividends Paid	-$11.75M	-$12.02M	-$11.70M	-$11.46M	-$11.27M
Share Repurchases	-$18.23M	-$38.35M	-$23.88M	-$23.33M	-$51.00M
Net Change in Cash	$125.84M	-$100.90M	$32.83M	-$91.47M	-$170.52M

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.