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Upturn AI SWOT - About
WTBA 
West Bancorporation (WTBA)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: 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 $20.5
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 -20.04% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 313.07M USD | Price to earnings Ratio 10.87 | 1Y Target Price 20.5 |
Price to earnings Ratio 10.87 | 1Y Target Price 20.5 | ||
Volume (30-day avg) 1 | Beta 0.89 | 52 Weeks Range 16.88 - 23.93 | Updated Date 08/15/2025 |
52 Weeks Range 16.88 - 23.93 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 5.31% | Basic EPS (TTM) 1.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 0.45 | Actual 0.47 |
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 10.87 | Forward PE - | Enterprise Value 360576992 | Price to Sales(TTM) 3.59 |
Enterprise Value 360576992 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 7.01 | Enterprise Value to EBITDA - | Shares Outstanding 16940800 | Shares Floating 15109825 |
Shares Outstanding 16940800 | Shares Floating 15109825 | ||
Percent Insiders 11.34 | Percent Institutions 47.43 |
Upturn AI SWOT
West Bancorporation
Company Overview
History and Background
West Bancorporation, Inc. was founded in 1984 and is headquartered in West Des Moines, Iowa. It began as a single bank and has grown through strategic acquisitions and organic growth to become a multi-bank holding company serving Iowa and Minnesota. Its growth strategy focuses on relationship banking and community involvement.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial loans, lines of credit, treasury management, and deposit accounts to businesses of various sizes.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgage loans, consumer loans, and wealth management services to individuals and families.
- Wealth Management: Provides investment advisory, trust, and brokerage services to individuals, families, and businesses.
Leadership and Structure
The leadership team includes Dave Nelson (CEO), and the organizational structure consists of various departments including lending, finance, operations, and technology, reporting to the CEO and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of West Bancorporation's lending portfolio. Market share data for specific loan types is difficult to ascertain. Competitors include regional and national banks such as US Bancorp and Wells Fargo.
- Mortgage Loans: Mortgage loans are offered to individuals for home purchases and refinancing. Market share data varies by region and product type. Competitors include Quicken Loans and local credit unions.
- Deposit Accounts: A variety of deposit accounts are offered, including checking, savings, and money market accounts. Market share data varies by region. Competitors include local credit unions and online banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, regulatory changes, and evolving customer expectations regarding technology and convenience.
Positioning
West Bancorporation positions itself as a community-focused bank that emphasizes relationship banking and personalized service. Their competitive advantage lies in their local presence and knowledge of the market.
Total Addressable Market (TAM)
The total addressable market includes banking services in Iowa and Minnesota, estimated at hundreds of billions of dollars. West Bancorporation is positioned to capture a portion of this market through its regional focus and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-focused banking model
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking solutions
- Growth in wealth management services
- 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
- USB
- WFC
- BOKF
Competitive Landscape
West Bancorporation competes with larger national banks, regional banks, and local credit unions. Its advantage lies in its community focus and relationship banking, while its disadvantage is its smaller scale and limited geographic diversification.
Major Acquisitions
Iowa State Savings Bank
- Year: 2015
- Acquisition Price (USD millions): 20
- Strategic Rationale: Expanded market share and customer base in central Iowa.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not available in real time. Therefore, actual data is omitted for this example.
Future Projections: Future projections data is not available in real time. Therefore, actual data is omitted for this example.
Recent Initiatives: Recent initiatives include investment in digital banking platforms and expansion of wealth management services.
Summary
West Bancorporation is a community-focused bank with a strong presence in Iowa and Minnesota. Its relationship-focused banking model is a key strength, but it faces competition from larger banks and fintech companies. The company's recent initiatives to invest in digital banking and expand wealth management services are positive steps for future growth. However, it needs to diversify its geographic presence to mitigate risks associated with regional economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice.
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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