Profitability
Weight: 25%
A+
100
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 39.5%
- Efficiency Ratio Trend -2.61 pp/yr
WABC
Westamerica Bancorporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
83
- 5yr Avg ROE 15.9%
- 5yr Share-Count CAGR -1.6%
Growth Quality
Weight: 15%
B+
75
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 5.5%
- Efficiency Ratio Trend (growth quality check) -2.61 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
19
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.09
Balance Sheet
Weight: 20%
A+
96
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 15.7%
Stability
Weight: 10%
C
55
- EPS Volatility (σ/μ) 0.39
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 added; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- +74.7%
- New buys
- 0
- Full exits
- 1