Westamerica/$WABC
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Capital at risk
About Westamerica
Westamerica Bancorp provides a full range of banking services to individual and commercial customers in Northern and Central California through its subsidiary bank. The Bank is a California-chartered commercial bank whose deposits are insured by the Federal Deposit Insurance Corporation (the FDIC) up to applicable limits. The principal communities served are located in Northern and Central California, from Mendocino, Lake and Nevada Counties in the north to Kern County in the south. The Company's strategic focus is on the banking needs of small businesses.
- Ticker
- $WABC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 608
- Headquarters
- San Rafael, United States
- Website
- www.westamerica.com
Westamerica Metrics
BasicAdvanced
$1.4B
13.10
$4.64
0.56
$1.88
3.16%
Price and volume
Market cap
$1.4B
Beta
0.56
52-week high
$63.61
52-week low
$46.23
Average daily volume
199K
Dividend rate
$1.88
Financial strength
Profitability
Net profit margin (TTM)
43.84%
Operating margin (TTM)
60.63%
Effective tax rate (TTM)
25.65%
Revenue per employee (TTM)
$420,000
Management effectiveness
Return on assets (TTM)
1.89%
Return on equity (TTM)
12.86%
Valuation
Price to earnings (TTM)
13.101
Price to revenue (TTM)
5.743
Price to book
1.77
Price to tangible book (TTM)
2.1
Dividend yield (TTM)
3.10%
Forward dividend yield
3.16%
Growth
Revenue change (TTM)
-4.59%
Earnings per share change (TTM)
0.97%
3-year revenue growth (CAGR)
-7.91%
3-year earnings per share growth (CAGR)
-8.44%
10-year earnings per share growth (CAGR)
7.26%
3-year dividend per share growth (CAGR)
3.41%
10-year dividend per share growth (CAGR)
1.88%
What the Analysts think about Westamerica
Analyst ratings (Buy, Hold, Sell) for Westamerica stock.
Analyst projections of the future price of Westamerica stock.
Bulls say / Bears say
Third-quarter net income rose to $28.2 million and diluted EPS to $1.22, from $27.4 million and $1.17 in the prior quarter. That sequential improvement suggests earnings have held up despite a shrinking loan book. (Westamerica Bancorporation)
Very low funding costs support the bank’s earnings: in the second quarter, its annualised funding cost was 0.24%, and 46% of deposits were non-interest-bearing checking accounts. This provides a cushion when asset yields or loan demand weaken. (Westamerica Bank)
Credit quality remained strong in the second quarter, with only $808,000 of nonperforming assets and no credit-loss provision. That limits the risk that loan losses will undermine current profits. (Westamerica Bank)
Average loans fell 10.4% year on year in the second quarter. A shrinking loan book limits a key source of future interest income and makes sustained growth harder. (Westamerica Bancorporation)
Second-quarter net interest income fell 3.5% year on year and net income declined 5.8%. The fall shows that low funding costs have not fully offset pressure on earnings. (Westamerica Bank)
The bank’s securities portfolio is exposed to interest-rate risk: at June 2026, market rates were above the book yields and fair values were generally below amortised cost. A further rise in rates or a need to sell securities before values recover could crystallise losses. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
Westamerica Financial Performance
Revenues and expenses
Westamerica Earnings Performance
Company profitability
Upcoming events
Funds containing Westamerica
Fund name | Fund size | $WABC weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.08% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.08% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.05% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.05% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.04% |
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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