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Upturn AI SWOT - About
WABC 
Westamerica Bancorporation (WABC)
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Upturn Advisory Summary
10/15/2025: WABC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $53
1 Year Target Price $53
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.45% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.19B USD | Price to earnings Ratio 10.16 | 1Y Target Price 53 |
Price to earnings Ratio 10.16 | 1Y Target Price 53 | ||
Volume (30-day avg) 2 | Beta 0.61 | 52 Weeks Range 41.21 - 58.34 | Updated Date 10/18/2025 |
52 Weeks Range 41.21 - 58.34 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 3.93% | Basic EPS (TTM) 4.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-16 | When After Market | Estimate 1.08 | Actual 1.12 |
Profitability
Profit Margin 45.37% | Operating Margin (TTM) 60.96% |
Management Effectiveness
Return on Assets (TTM) 1.99% | Return on Equity (TTM) 13.05% |
Valuation
Trailing PE 10.16 | Forward PE - | Enterprise Value 645624576 | Price to Sales(TTM) 4.49 |
Enterprise Value 645624576 | Price to Sales(TTM) 4.49 | ||
Enterprise Value to Revenue 4.57 | Enterprise Value to EBITDA - | Shares Outstanding 25461854 | Shares Floating 23858429 |
Shares Outstanding 25461854 | Shares Floating 23858429 | ||
Percent Insiders 4.89 | Percent Institutions 80.27 |
Upturn AI SWOT
Westamerica Bancorporation
Company Overview
History and Background
Westamerica Bancorporation was founded in 1884 and has evolved into a regional bank holding company primarily operating in Northern and Central California. It focuses on community banking with a long history of serving local businesses and individuals.
Core Business Areas
- Commercial Banking: Provides a range of loan products, deposit services, and cash management solutions for businesses of all sizes.
- Retail Banking: Offers deposit accounts, personal loans, mortgage lending, and other financial services to individual customers.
- Wealth Management: Provides investment advisory services, trust services, and estate planning to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank holding company, with various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses to expand, acquire assets, or manage working capital. Market share is not publicly available at this level of granularity. Competitors include larger national and regional banks like Bank of America (BAC), Wells Fargo (WFC), and U.S. Bancorp (USB).
- Mortgage Loans: Offer financing for residential properties. Market share varies by region. Competitors include national lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is based on deposit volume within its operating region. Competitors include large national banks and other regional institutions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies. Regional banks are focused on maintaining strong relationships with their local communities.
Positioning
Westamerica Bancorporation is positioned as a community-focused bank with a strong presence in Northern and Central California. Its competitive advantages include its local market expertise and long-standing customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Northern and Central California is substantial, encompassing individuals and businesses requiring deposit, loan, and wealth management services. Westamerica Bancorporation's TAM is within the banking sector and its position to acquire new and existing clients.
Upturn SWOT Analysis
Strengths
- Strong presence in Northern and Central California
- Long-standing customer relationships
- Experienced management team
- Conservative lending practices
- Strong capital position
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Exposure to interest rate risk
- Smaller scale compared to national banks
- Limited technology investment compared to larger competitors
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions of smaller banks
- Capitalize on disruption in traditional banking from fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in California
- Rising interest rates
- Changes in banking regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- WFC
- USB
- CMA
- FFBC
Competitive Landscape
Westamerica Bancorporation faces stiff competition from larger national banks and regional peers. Its competitive advantage lies in its local market knowledge and customer relationships, but it must innovate to compete with larger banks and fintech companies.
Major Acquisitions
Antelope Valley Bank
- Year: 2005
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded market presence in Southern California.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on the relevant time period.
Future Projections: Future projections depend on analysts' current estimates.
Recent Initiatives: Recent initiatives require real-time updates.
Summary
Westamerica Bancorporation is a community bank with a long-standing presence in California. The bank benefits from its strong customer relationships and conservative lending practices. However, it faces challenges related to increasing competition from larger banks and fintech companies, and its smaller size limits its investment in technology. The bank needs to innovate and potentially explore strategic acquisitions to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Financial News Outlets
- Industry Reports
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market data is subject to change. Real-time financial data was not accessible for this response.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.westamerica.com |
Full time employees 616 | Website https://www.westamerica.com | ||
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.
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