Westamerica/$WABC
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About Westamerica
Westamerica Bancorp is based in San Rafael, California. Westamerica Bancorporation runs a regional community bank and has approximately $7.5 billion in assets. The banks' net revenue is generated by net interest income. Deposit service charges make up the noninterest income sources. The bank focuses mostly on commercial clients, such as smaller businesses. Its footprint encompasses central and northern California, extending north of San Francisco to Mendocino and Lake counties, south to Kern County in central California and all the way east to Nevada County.
Ticker
$WABC
Sector
Primary listing
Employees
616
Headquarters
Website
Westamerica Metrics
BasicAdvanced
$1.2B
10.28
$4.59
0.61
$1.80
3.90%
Price and volume
Market cap
$1.2B
Beta
0.61
52-week high
$52.84
52-week low
$42.00
Average daily volume
146K
Dividend rate
$1.80
Financial strength
Profitability
Net profit margin (TTM)
45.37%
Operating margin (TTM)
62.79%
Effective tax rate (TTM)
26.14%
Revenue per employee (TTM)
$430,000
Management effectiveness
Return on assets (TTM)
1.99%
Return on equity (TTM)
13.05%
Valuation
Price to earnings (TTM)
10.28
Price to revenue (TTM)
4.662
Price to book
1.27
Price to tangible book (TTM)
1.46
Dividend yield (TTM)
3.81%
Forward dividend yield
3.90%
Growth
Revenue change (TTM)
-12.95%
Earnings per share change (TTM)
-16.35%
3-year revenue growth (CAGR)
3.57%
3-year earnings per share growth (CAGR)
5.77%
10-year earnings per share growth (CAGR)
7.11%
3-year dividend per share growth (CAGR)
2.33%
10-year dividend per share growth (CAGR)
1.71%
Bulls say / Bears say
Westamerica reported no provision for credit losses in Q3 2025, with nonperforming assets at $2.6 million and an allowance for credit losses of $11.9 million, indicating robust asset quality (Westamerica Bancorporation)
Annualized cost of funding interest-earning loans, bonds, and cash stayed low at 0.26% in Q3 2025, highlighting disciplined deposit funding management (Westamerica Bancorporation)
Westamerica delivered an annualized 10.9% return on average common equity in Q3 2025, maintained capital ratios above top regulatory thresholds, and repurchased 488,000 shares, reflecting strong capital returns to shareholders (Westamerica Bancorporation)
Net interest income on a fully-taxable equivalent basis slipped to $53.8 million in Q3 2025 from $54.6 million in Q2, suggesting interest margins may have peaked (Westamerica Bancorporation)
Annualized yield on earning assets edged down to 4.06% from 4.07% in Q2, while funding costs increased to 0.26% from 0.22%, indicating possible margin compression (Westamerica Bancorporation)
Noninterest income was little changed at $10.2 million in Q3 2025 versus $10.3 million in Q2, showing revenue diversification beyond net interest income remains limited (Westamerica Bancorporation)
Data summarised monthly by Lightyear AI. Last updated on 7 Nov 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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FAQs
What’s the current market cap for Westamerica stock?
Westamerica (WABC) has a market cap of $1.2B as of November 07, 2025.
What is the P/E ratio for Westamerica stock?
The price to earnings (P/E) ratio for Westamerica (WABC) stock is 10.28 as of November 07, 2025.
Does Westamerica stock pay dividends?
Yes, the Westamerica (WABC) stock pays dividends to shareholders. As of November 07, 2025, the dividend rate is $1.8 and the yield is 3.9%. Westamerica has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Westamerica dividend payment date?
The next Westamerica (WABC) dividend payment is scheduled for November 14, 2025.
What is the beta indicator for Westamerica?
Westamerica (WABC) has a beta rating of 0.61. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.