Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
WABC logo WABC
Upturn stock ratingUpturn stock rating
WABC logo

Westamerica Bancorporation (WABC)

Upturn stock ratingUpturn stock rating
$48.44
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: WABC (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $55

1 Year Target Price $55

Analysts Price Target For last 52 week
$55Target price
Low$41.61
Current$48.44
high$58.91

Analysis of Past Performance

Type Stock
Historic Profit -7.48%
Avg. Invested days 31
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.27B USD
Price to earnings Ratio 9.73
1Y Target Price 55
Price to earnings Ratio 9.73
1Y Target Price 55
Volume (30-day avg) 2
Beta 0.64
52 Weeks Range 41.61 - 58.91
Updated Date 06/30/2025
52 Weeks Range 41.61 - 58.91
Updated Date 06/30/2025
Dividends yield (FY) 3.79%
Basic EPS (TTM) 4.99

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 46.83%
Operating Margin (TTM) 63.79%

Management Effectiveness

Return on Assets (TTM) 2.14%
Return on Equity (TTM) 15.54%

Valuation

Trailing PE 9.73
Forward PE -
Enterprise Value 677470400
Price to Sales(TTM) 4.47
Enterprise Value 677470400
Price to Sales(TTM) 4.47
Enterprise Value to Revenue 4.54
Enterprise Value to EBITDA -
Shares Outstanding 26180700
Shares Floating 24908294
Shares Outstanding 26180700
Shares Floating 24908294
Percent Insiders 4.76
Percent Institutions 81.24

Analyst Ratings

Rating 2
Target Price 55
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Westamerica Bancorporation

stock logo

Company Overview

overview logo History and Background

Westamerica Bancorporation was founded in 1884 and is headquartered in San Rafael, California. It has grown through acquisitions and organic expansion, primarily focusing on community banking in Northern and Central California.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of lending and deposit products to businesses.
  • Retail Banking: Offers checking and savings accounts, mortgages, and other consumer financial services to individuals.
  • Wealth Management: Provides financial planning, investment management, and trust services.

leadership logo Leadership and Structure

The company is led by its Board of Directors and executive management team. The organizational structure includes various departments responsible for lending, operations, finance, and other key functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides loans to businesses for working capital, equipment, and real estate. Market share data is not publicly available. Competitors include larger national and regional banks like Wells Fargo and Bank of America, as well as other community banks.
  • Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Market share data is not publicly available. Competitors include mortgage lenders like Rocket Mortgage and regional banks.
  • Deposit Accounts: Provides checking and savings accounts for businesses and individuals. Market share data is not publicly available. Competitors include larger national and regional banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges related to interest rate volatility, increased competition from fintech companies, and regulatory changes. Economic conditions also play a significant role in the industry's performance.

Positioning

Westamerica Bancorporation is positioned as a community bank focused on providing personalized service and local expertise. Its competitive advantages include its strong relationships with customers and its deep understanding of the local markets it serves.

Total Addressable Market (TAM)

The TAM is the overall banking market in Northern and Central California, estimated to be worth billions of dollars annually. Westamerica Bancorporation is positioned to capture a portion of this TAM through its focus on community banking.

Upturn SWOT Analysis

Strengths

  • Strong customer relationships
  • Local market expertise
  • Conservative lending practices
  • Stable deposit base

Weaknesses

  • Limited geographic reach
  • Smaller size compared to national banks
  • Dependence on traditional banking services
  • Lower technological adoption compared to larger banks

Opportunities

  • Expansion into new markets within California
  • Increased adoption of digital banking services
  • Growth in wealth management business
  • Acquisition of smaller community banks

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • WFC
  • BAC
  • USB
  • CMA

Competitive Landscape

Westamerica Bancorporation faces competition from larger national banks, regional banks, and fintech companies. Its advantages include its local market expertise and strong customer relationships. Its disadvantages include its smaller size and limited geographic reach.

Growth Trajectory and Initiatives

Historical Growth: Westamerica Bancorporation's growth has been steady but moderate, driven by organic expansion and acquisitions.

Future Projections: Future growth projections depend on various factors, including economic conditions and competition.

Recent Initiatives: Recent initiatives may include investments in technology, expansion into new markets, and strategic acquisitions.

Summary

Westamerica Bancorporation is a community bank with strengths in customer relationships and local market expertise. Its smaller size and limited reach are weaknesses. Opportunities include expanding digital services and strategic acquisitions, while threats include competition and economic downturns. Overall, it's a stable but not high-growth company.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Yahoo Finance
  • Third Party Industry Reports

Disclaimers:

This analysis is based on publicly available information and should not be considered financial advice. Market share data may not be precise due to limited public information.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Westamerica Bancorporation

Exchange NASDAQ
Headquaters San Rafael, CA, United States
IPO Launch date 1992-03-17
Chairman, President & CEO Mr. David L. Payne
Sector Financial Services
Industry Banks - Regional
Full time employees 616
Full time employees 616

Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial and 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 headquartered in San Rafael, California.