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Upturn AI SWOT - About
WTBA 
West Bancorporation (WTBA)
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Upturn Advisory Summary
10/15/2025: WTBA (1-star) is a SELL. SELL since 3 days. Simulated Profits (-2.50%). Updated daily EoD!
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
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20.5
1 Year Target Price $20.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.04% | Avg. Invested days 29 | Today’s Advisory SELL |
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 327.80M USD | Price to earnings Ratio 11.38 | 1Y Target Price 20.5 |
Price to earnings Ratio 11.38 | 1Y Target Price 20.5 | ||
Volume (30-day avg) 1 | Beta 0.86 | 52 Weeks Range 16.88 - 23.93 | Updated Date 10/17/2025 |
52 Weeks Range 16.88 - 23.93 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 5.22% | Basic EPS (TTM) 1.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.47 | Actual - |
Profitability
Profit Margin 33.15% | Operating Margin (TTM) 46.22% |
Management Effectiveness
Return on Assets (TTM) 0.72% | Return on Equity (TTM) 12.42% |
Valuation
Trailing PE 11.38 | Forward PE - | Enterprise Value 365913344 | Price to Sales(TTM) 3.76 |
Enterprise Value 365913344 | Price to Sales(TTM) 3.76 | ||
Enterprise Value to Revenue 7.28 | Enterprise Value to EBITDA - | Shares Outstanding 16940785 | Shares Floating 15109825 |
Shares Outstanding 16940785 | Shares Floating 15109825 | ||
Percent Insiders 11.34 | Percent Institutions 47.76 |
Upturn AI SWOT
West Bancorporation
Company Overview
History and Background
West Bancorporation, Inc. was founded in 1978. It has grown through organic expansion and strategic acquisitions, establishing a strong presence in Iowa. Initially focused on commercial banking, it has diversified into wealth management and other financial services.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, deposit accounts, and cash management services to businesses of all sizes.
- Retail Banking: Offers traditional retail banking products and services, such as checking accounts, savings accounts, and personal loans, to individuals and families.
- Wealth Management: Provides wealth management services, including investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Dave Nelson serves as President and CEO. The organizational structure includes departments for commercial banking, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a key product, contributing significantly to revenue. Competitors include larger national and regional banks (e.g., JPM, USB) and other community banks. Market share data is not readily available.
- Deposit Accounts: Deposit accounts (checking, savings, money market) form a substantial part of the business. Competitors include online banks and credit unions. Market share data is not readily available.
- Wealth Management Services: Wealth management includes investment advice, trust services, and financial planning. Competitors include national brokerage firms and RIAs. Revenue contribution is significant, but market share is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increasing regulatory scrutiny, and competition from fintech companies. Consolidation is ongoing.
Positioning
West Bancorporation is positioned as a strong regional bank with a focus on relationship banking. It benefits from its deep understanding of the local market and its ability to provide personalized service. Its competitive advantages include its strong capital base and its reputation for sound risk management.
Total Addressable Market (TAM)
The TAM includes all banking and wealth management services in the Iowa region. West Bancorporation captures a portion of this, but the exact value is difficult to quantify. They focus on specific client segments within this market.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Sound risk management practices
- Strong capital base
- Relationship-focused banking model
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on the Iowa economy
- Lower brand recognition than national competitors
Opportunities
- Expansion into adjacent markets
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Potential acquisitions of smaller banks
- Leveraging digital channels to expand reach
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic downturn in Iowa
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- USB
- FFBC
- BOH
Competitive Landscape
West Bancorporation competes with larger national banks and other regional banks. Its strength lies in its local knowledge and customer relationships. Its disadvantage is its smaller scale and limited resources compared to the larger players.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires accessing and processing past financial data.
Future Projections: Future projections necessitate obtaining analyst estimates from financial data providers.
Recent Initiatives: Recent initiatives would require access to company press releases and investor relations materials.
Summary
West Bancorporation is a regional bank with a strong presence in Iowa, focusing on commercial and retail banking, as well as wealth management. Its relationship-focused model is a key strength. Limited geographic diversification and smaller scale compared to national banks pose challenges. Economic conditions in Iowa and competition from larger and fintech firms require careful attention.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data is estimated based on available information and may not be precise. Consult with a qualified financial advisor before making any investment decisions.
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 West Bancorporation
Exchange NASDAQ | Headquaters West Des Moines, IA, United States | ||
IPO Launch date 1999-05-03 | CEO, President & Director Mr. David D. Nelson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 180 | Website https://www.westbankstrong.com |
Full time employees 180 | Website https://www.westbankstrong.com | ||
West Bancorporation, Inc. operates as the financial holding company provides community banking and trust services to individuals and small- to medium-sized businesses in the United States. The company offers deposit services, including checking, savings, and money market accounts, as well as time certificates of deposit. It also provides loan products comprising commercial real estate loans, construction and land development loans, commercial lines of credit, and commercial term loans; consumer loans, including loans extended to individuals for household, family, and other personal expenditures not secured by real estate; and 1-4 family residential mortgages and home equity loans. In addition, the company offers online and mobile banking, treasury management services including cash management, client-generated automated clearing house transactions, remote deposit, and fraud protection services; merchant credit card processing and corporate credit cards; and administration of estates, conservatorships, personal trusts, and agency accounts. West Bancorporation, Inc. was founded in 1893 and is headquartered in West Des Moines, Iowa.
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