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Upturn AI SWOT - About
WTBA 
West Bancorporation (WTBA)
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Upturn Advisory Summary
04/16/2025: WTBA (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
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20
1 Year Target Price $20
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.93% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 332.37M USD | Price to earnings Ratio 12.83 | 1Y Target Price 20 |
Price to earnings Ratio 12.83 | 1Y Target Price 20 | ||
Volume (30-day avg) 1 | Beta 0.87 | 52 Weeks Range 15.58 - 24.26 | Updated Date 06/30/2025 |
52 Weeks Range 15.58 - 24.26 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.09% | Basic EPS (TTM) 1.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.48% | Operating Margin (TTM) 45.99% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 11.3% |
Valuation
Trailing PE 12.83 | Forward PE - | Enterprise Value 507128992 | Price to Sales(TTM) 4.01 |
Enterprise Value 507128992 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 8.7 | Enterprise Value to EBITDA - | Shares Outstanding 16923300 | Shares Floating 15092350 |
Shares Outstanding 16923300 | Shares Floating 15092350 | ||
Percent Insiders 11.35 | Percent Institutions 47.88 |
Analyst Ratings
Rating 1 | Target Price 20 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
West Bancorporation
Company Overview
History and Background
West Bancorporation, Inc. was founded in 1893 as Valley National Bank. It has grown through acquisitions and organic expansion to become a leading community bank in Iowa and surrounding states.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including commercial real estate, equipment, and working capital loans, along with deposit services, cash management solutions, and international banking services.
- Retail Banking: Offers a variety of retail banking products and services, including checking and savings accounts, mortgage loans, consumer loans, and online and mobile banking services.
- Wealth Management: Provides wealth management services, including financial planning, investment management, trust services, and retirement planning.
Leadership and Structure
Kevin L. Vermeer is the CEO of West Bancorporation. The company operates under a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant portion of West Bancorporation's loan portfolio. Market share data specific to West Bancorporation is not readily available, but competition includes larger national and regional banks like Wells Fargo (WFC) and US Bancorp (USB).
- Agricultural Loans: Provides financing for farms and agribusinesses. Market share data specific to West Bancorporation is not readily available. Competitors include Farm Credit Services and other regional banks with agricultural lending expertise.
- Treasury Management Services: Offers treasury management services to businesses of various sizes. Market share data specific to West Bancorporation is not readily available. Competitors include JP Morgan Chase (JPM) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increased competition from fintech companies. Community banks like West Bancorporation need to focus on customer service and innovation to remain competitive.
Positioning
West Bancorporation is a well-established community bank with a strong presence in Iowa. Its competitive advantages include its local market knowledge, strong customer relationships, and commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in West Bancorporation's geographic market is estimated to be in the billions of dollars. West Bancorporation is positioned to capture a share of this market through its focus on relationship banking and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Commitment to community involvement
- Sound asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger competitors
- Reliance on traditional banking services
- Vulnerability to economic downturns in the region
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions
- Growing small business sector in their geographic area
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- CMA
Competitive Landscape
West Bancorporation faces competition from larger national and regional banks, as well as smaller community banks. Its ability to differentiate itself through personalized service and local market expertise will be crucial to its success.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is available from financial websites. Check for West Bancorporation's growth trends over the past years on financial websites.
Future Projections: Future projections are based on analyst estimates, which can be found on financial websites.
Recent Initiatives: Recent strategic initiatives can be found in West Bancorporation's investor relations materials and press releases.
Summary
West Bancorporation is a community bank with a regional focus, strong customer relationships, and sound financial performance. While its smaller size can be a disadvantage against larger competitors, its personalized service and local market knowledge provides a competitive edge. Economic conditions and competition from larger banks are challenges to watch. Future growth will depend on strategic initiatives, such as expanding digital banking and wealth management services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports (where available)
Disclaimers:
The information provided is for general informational purposes only and should not be considered financial advice. Market share data is based on estimates 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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