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Upturn AI Summary - About
Westamerica Bancorporation(WABC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for WABC
10/08/2026: WABC (2-star) is a SELL. SELL for 2 days. Simulated Profits (12.68%). Updated daily EoD!
Westamerica Bancorporation is a regional banking institution serving Northern and Central California, recognized for its conservative credit culture and stable financial management. The company has historically delivered consistent profitability through a focus on expense control and stable net interest income. Its primary growth story revolves around adapting its traditional community banking model to modern digital standards while maintaining a strong balance sheet. Risks include geographic concentration in California, intense competition from national banks, and sensitivity to interest rate fluctuations. The stock may best suit value and dividend-focused investors looking for stability, with key developments to monitor including deposit growth trends and branch efficiency improvements.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates as a mature, stable bank rather than a high-growth technology or disruptive business. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive Upturn signal in the banking sector and specific regional bank stock performance. |
| Value investor | Strong fit | The stock often appeals to value investors seeking consistent earnings and dividend stability. |
| Dividend investor | Strong fit | The company's history of reliable dividend payments makes it an attractive candidate for income-focused portfolios. |
| Low-risk investor | Strong fit | Conservative lending practices and strong capitalization provide a degree of stability suitable for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macroeconomic shifts and interest rate changes. |
| Valuation risk | Medium | Valuations for regional banks are heavily dependent on yield curve expectations. |
| Competition risk (banking competition) | High | Intense competition from larger banks and digital alternatives impacts deposit pricing and loan margins. |
| Business quality | Strong | The company has maintained a reputation for solid credit underwriting and operational efficiency. |
| Dividend income | Strong | Steady dividend payments are a hallmark of the bank's capital allocation strategy. |
| Execution risk | Low | The company has a well-established and predictable operational model. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -6.06% | Avg. Invested days 44 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.35B USD | Price to earnings Ratio 12.84 | 1Y Target Price 64 |
Price to earnings Ratio 12.84 | 1Y Target Price 64 | ||
Volume (30-day avg) 230.3K shares | Beta 0.56 | 52 Weeks Range 43.36 - 63.10 | Updated Date 10/08/2026 |
52 Weeks Range 43.36 - 63.10 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 3.17% | Basic EPS (TTM) 4.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the primary way the bank makes money by lending at higher rates than it pays to depositors. |
| Non-Interest Income | Service fees, deposit account charges, and trust management fees. | These represent reliable fee-based income streams that diversify the bank's revenue. |
| Geography: Northern/Central California | Branch network and regional lending activities. | The bank is deeply tied to the economic health of this specific region. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When After Market | Estimate 1.17 | Actual - |
Profitability
Profit Margin 43.94% | Operating Margin (TTM) 60.29% |
Management Effectiveness
Return on Assets (TTM) 1.91% | Return on Equity (TTM) 12.49% |
Valuation
Trailing PE 12.84 | Forward PE 21.1 | Enterprise Value 1.20B | Price to Sales(TTM) 5.34 |
Enterprise Value 1.20B | Price to Sales(TTM) 5.34 | ||
Enterprise Value to Revenue 4.57 | Enterprise Value to EBITDA - | Shares Outstanding 23.11M | Shares Floating 21.86M |
Shares Outstanding 23.11M | Shares Floating 21.86M | ||
Percent Insiders 3.61 | Percent Institutions 81.56 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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