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WTBA 
West Bancorporation (WTBA)
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Upturn Advisory Summary
12/05/2025: 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 $24
1 Year Target Price $24
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.12% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 375.75M USD | Price to earnings Ratio 11.67 | 1Y Target Price 24 |
Price to earnings Ratio 11.67 | 1Y Target Price 24 | ||
Volume (30-day avg) 1 | Beta 0.82 | 52 Weeks Range 16.68 - 23.00 | Updated Date 12/6/2025 |
52 Weeks Range 16.68 - 23.00 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 4.45% | 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 11.67 | Forward PE - | Enterprise Value 529303616 | Price to Sales(TTM) 4.09 |
Enterprise Value 529303616 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 7.31 | Enterprise Value to EBITDA - | Shares Outstanding 16940785 | Shares Floating 15117787 |
Shares Outstanding 16940785 | Shares Floating 15117787 | ||
Percent Insiders 11.3 | Percent Institutions 47.47 |
Upturn AI SWOT
West Bancorporation
Company Overview
History and Background
West Bancorporation, Inc. was founded in 1893. It began as a small community bank and has grown through organic expansion and strategic acquisitions to become a regional bank holding company.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and treasury management services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers trust, investment, and financial planning services to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as lending, operations, and risk management, overseen by the board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide businesses with capital for expansion, operations, and real estate. Market share data is not readily available. Competitors include regional and national banks such as U.S. Bank (USB) and Wells Fargo (WFC).
- Mortgage Lending: Offers residential mortgage loans to individuals. Market share data is not readily available. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Wealth Management: Offers comprehensive wealth management services to clients. Market share data is not readily available. Competitors include national wealth management firms like Morgan Stanley (MS) and Merrill Lynch (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and evolving customer expectations, driven by technological advancements and economic conditions.
Positioning
West Bancorporation is a regional bank focusing on serving businesses and individuals in the Midwest. Its competitive advantages include strong local relationships and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the billions of dollars. West Bancorporation is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified product offerings
- Solid financial performance
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on regional economy
- Lower brand recognition than national competitors
Opportunities
- Expansion into new markets within the Midwest
- Adoption of new technologies to improve efficiency
- Increased demand for wealth management services
- Partnerships with fintech companies
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from online lenders
- Economic downturn in the Midwest
Competitors and Market Share
Key Competitors
- USB
- FHN
- MTB
- HBAN
Competitive Landscape
West Bancorporation faces competition from larger national banks and smaller community banks. Its advantages include strong local relationships and personalized service. Disadvantages include limited geographic reach.
Major Acquisitions
FirsTier Bank
- Year: 2014
- Acquisition Price (USD millions): 21.2
- Strategic Rationale: Expanded West Bancorporation's presence in the Des Moines metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: West Bancorporation's growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued growth for West Bancorporation, driven by its strong local presence and diversified product offerings. These projections are subject to change and require a review of recent analyst reports.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and efforts to improve customer service.
Summary
West Bancorporation is a regional bank with a strong local presence and diversified product offerings. Its financial performance is solid, but it faces competition from larger national banks and online lenders. Future growth depends on its ability to expand into new markets, adopt new technologies, and maintain strong customer relationships. One thing to look out for is rising interest rates.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available and requiring paid subscriptions)
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share data is estimated and may not be precise.
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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