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WTBA 
West Bancorporation (WTBA)
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Upturn Advisory Summary
01/09/2026: WTBA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $25
1 Year Target Price $25
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.09% | Avg. Invested days 31 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 380.66M USD | Price to earnings Ratio 11.83 | 1Y Target Price 25 |
Price to earnings Ratio 11.83 | 1Y Target Price 25 | ||
Volume (30-day avg) 1 | Beta 0.83 | 52 Weeks Range 16.68 - 24.27 | Updated Date 01/8/2026 |
52 Weeks Range 16.68 - 24.27 | Updated Date 01/8/2026 | ||
Dividends yield (FY) 4.57% | Basic EPS (TTM) 1.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.12% | Operating Margin (TTM) 48.36% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 13.14% |
Valuation
Trailing PE 11.83 | Forward PE - | Enterprise Value 534216448 | Price to Sales(TTM) 4.15 |
Enterprise Value 534216448 | Price to Sales(TTM) 4.15 | ||
Enterprise Value to Revenue 7.2 | Enterprise Value to EBITDA - | Shares Outstanding 16940785 | Shares Floating 15117787 |
Shares Outstanding 16940785 | Shares Floating 15117787 | ||
Percent Insiders 11.3 | Percent Institutions 47.09 |
Upturn AI SWOT
West Bancorporation
Company Overview
History and Background
West Bancorporation, Inc. (Nasdaq: WTBA) was founded in 1999 as a holding company for West Bank. The bank itself has a longer history, originating in 1969. West Bank is a community-focused bank with a strong presence in Iowa and Minnesota, emphasizing personalized service and local decision-making. Significant milestones include its expansion into new markets and its consistent growth as a publicly traded entity.
Core Business Areas
- Community Banking: West Bancorporation's primary business is through its subsidiary, West Bank. This segment offers a full range of banking products and services to individuals and businesses, including checking and savings accounts, loans (commercial, real estate, consumer), mortgages, and treasury management services. The focus is on building long-term relationships with local customers.
- Wealth Management: The company also provides wealth management services, offering investment advisory, trust services, and financial planning to help clients manage and grow their assets.
Leadership and Structure
West Bancorporation operates as a bank holding company with West Bank as its principal subsidiary. The leadership team consists of experienced professionals in banking and finance, overseeing strategic direction and operational management. The structure emphasizes a decentralized approach at the bank level to maintain community responsiveness.
Top Products and Market Share
Key Offerings
- Commercial and Industrial Loans: West Bank provides loans to businesses for operational needs, expansion, and working capital. Competitors include large national banks, regional banks, and other community banks. Specific market share data for this product line is not publicly disclosed by the company, but it's a core revenue driver.
- Residential Mortgages: The bank offers a range of mortgage products for home purchases and refinancing. Key competitors include national mortgage lenders and other local financial institutions. Market share details are proprietary.
- Deposit Accounts: West Bank offers various deposit accounts, including checking, savings, money market, and certificates of deposit (CDs). These are fundamental products for any bank and compete with offerings from a wide array of financial institutions.
- Treasury Management Services: For business clients, West Bank provides services like cash concentration, remote deposit capture, and payroll processing to streamline financial operations. Competitors are typically other banks with robust commercial banking divisions.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and regulated. It is characterized by a mix of large national banks, regional players, and a vast number of community banks. Key trends include digital transformation, evolving customer expectations for online and mobile services, interest rate sensitivity, and ongoing consolidation. Community banks like West Bancorporation differentiate themselves through personalized service and local market knowledge.
Positioning
West Bancorporation is positioned as a community-focused bank with a strong regional presence in Iowa and Minnesota. Its competitive advantages lie in its deep understanding of local markets, ability to make quick lending decisions, and commitment to customer relationships. It competes effectively with larger banks by offering more personalized service and with smaller community banks through its technological capabilities and broader product offerings.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, encompassing all individuals and businesses requiring banking and financial services within its operating regions. While West Bancorporation has a significant presence in its core markets, the overall TAM is vast. Its positioning is strong within its niche, focusing on deeper penetration in its chosen geographic areas rather than broad national coverage.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge and relationships
- Agile decision-making due to community bank structure
- Personalized customer service
- Stable, loyal customer base
- Experienced management team
Weaknesses
- Limited geographic diversification compared to larger banks
- Potential challenges in competing with the digital capabilities of larger institutions
- Reliance on interest rate environment for profitability
- Smaller scale may limit access to certain capital markets
Opportunities
- Expansion into adjacent geographic markets
- Leveraging technology to enhance digital offerings and customer experience
- Acquiring smaller financial institutions to gain market share
- Growing wealth management services
- Capitalizing on small business growth in its service areas
Threats
- Intensifying competition from other community banks, regional banks, and fintech companies
- Cybersecurity risks and data breaches
- Changes in regulatory environment and compliance costs
- Economic downturns affecting loan demand and credit quality
- Interest rate volatility impacting net interest margins
Competitors and Market Share
Key Competitors
- First National Corporation (US Stock Symbol: FNCB)
- MidWestOne Financial Group, Inc. (US Stock Symbol: MOFG)
- HMN Financial, Inc. (US Stock Symbol: HMNF)
Competitive Landscape
West Bancorporation's advantages include its strong community ties and personalized service. Disadvantages may stem from its smaller scale compared to larger regional banks, potentially limiting its reach and resources. It differentiates itself by focusing on relationship banking within its specific markets.
Growth Trajectory and Initiatives
Historical Growth: West Bancorporation has achieved historical growth through organic expansion, prudent lending, and a focus on customer acquisition and retention within its core markets. The company has also pursued strategic opportunities, including branch expansions and the development of new service lines.
Future Projections: Future growth is projected to be driven by continued expansion within its existing geographic footprint, potential strategic acquisitions, and enhancement of its digital banking capabilities. Analyst estimates typically forecast moderate earnings growth, aligned with industry trends and the company's strategic initiatives.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking platforms, improving operational efficiency, exploring strategic partnerships or acquisitions, and expanding into high-growth markets or service areas.
Summary
West Bancorporation is a stable community bank with a strong foundation in Iowa and Minnesota, built on personalized service and local expertise. Its core strengths lie in its loyal customer base and agile decision-making. While facing competition and the challenges of digital transformation, the company has opportunities for growth through market expansion and strategic acquisitions. Continued focus on customer relationships and prudent financial management will be key to its ongoing success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations website (if available)
- SEC Filings (10-K, 10-Q)
- Financial News and Data Providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This JSON output is generated based on publicly available information and may not encompass all aspects of West Bancorporation's business or the entire market landscape. Financial data and market share figures are subject to change and require verification from official sources. This analysis is for informational purposes only and does not constitute 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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