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Westamerica Bancorporation (WABC)



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Upturn Advisory Summary
06/30/2025: WABC (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $55
1 Year Target Price $55
0 | Strong Buy |
0 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.48% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 - |
Upturn AI SWOT
Westamerica Bancorporation

Company Overview
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.
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 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
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
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
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.
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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