Westamerica Bancorporation logo WABC - Westamerica Bancorporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 5
SELL 3
STRONG
SELL
0
| PRICE TARGET: $57.00 DETAILS
HIGH: $57.00
LOW: $57.00
MEDIAN: $57.00
CONSENSUS: $57.00
UPSIDE: 2.96%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 271.8 311.2 327.5 266.9 216.8 208.0 206.1 199.9 194.3 182.5 184.4 192.0 211.4 240.4 268.1 282.4 305.1 206.4 295.1 301.9 297.3 264.3 266.4 274.2 299.7 310.6 297.9 304.7 307.7 310.5 317.9 153.6 160.8
Cost of Revenue 13.2 17.7 2.7 1.9 2.0 6.1 1.9 2.0 0 (1.1) 2.4 6.2 12.7 16.9 19.6 24.0 29.9 35.9 73.3 65.7 44.5 23.8 30.5 42.8 72.5 92.3 83.3 91.9 95.7 104 110.8 47 51.8
Gross Profit 258.7 293.4 324.8 265.0 214.8 201.8 204.2 197.9 194.3 183.6 182.0 185.8 198.7 223.4 248.5 258.4 275.2 170.5 221.9 236.1 252.8 240.5 235.9 231.4 227.2 218.4 214.6 212.8 212 206.5 207.1 106.6 109
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 70.7 50.3 47.9 46.1 48.0 50.7 51.1 53.0 51.5 51.5 52.2 54.8 56.6 57.4 58.5 61.7 75.5 55.3 63.0 52.3 55.9 55.9 54.0 55.4 52.9 51.3 50.7 51.1 62.5 61 66.2 34.3 39
Other Expenses 31.2 54.1 55.3 53.2 49.8 44.3 47.9 53.9 55.6 52.1 53.1 52.0 56.0 59.5 69.2 65.2 16.5 45.4 38.5 49.4 51.4 55.6 47.7 48.0 49.8 48.9 49.4 50.3 75.4 75.1 75.8 36.7 57.5
Operating Expenses 101.9 104.4 103.2 99.4 97.8 95.0 99.0 106.9 107.1 103.6 105.3 106.8 112.6 116.9 127.7 127.0 91.9 100.8 101.4 101.7 107.2 111.5 101.7 103.3 102.7 100.2 100.1 101.4 137.9 136.1 142 71 96.5
Operating Income
Operating Income 156.7 189.1 221.6 165.6 117.0 106.8 105.2 91.0 87.2 80.0 76.7 79.0 86.1 106.6 120.8 131.4 183.3 69.7 120.5 134.4 145.5 129.0 134.2 128.1 124.6 118.2 114.5 111.4 74.1 70.4 65.1 35.6 12.5
Interest Expense 13.7 17.4 3.9 1.9 2.0 1.8 1.9 2.0 1.9 2.1 2.4 3.4 4.7 5.7 8.4 12.8 19.4 33.2 72.6 65.3 43.6 21.1 27.2 39.2 68.9 88.6 78.5 86.7 88.1 91.7 95.6 41.1 42.3
Interest Income 231.0 268.0 284.0 221.8 173.4 165.9 158.7 151.7 138.3 135.9 136.5 140.2 154.4 183.4 208.0 221.2 241.9 208.5 235.9 246.5 242.8 216.3 223.5 237.6 257.1 269.5 257.7 266.9 270.7 274.2 283.7 134.2 136.9
Profitability
EBITDA 162.8 199.5 233.4 182.2 133.6 129.4 125.8 115.4 113.3 99.9 93.1 94.5 104.1 120.6 135.1 146.7 193.7 79.1 130.0 144.2 155.3 135.1 140.4 135.0 134.1 126.6 124 120.5 82.7 79.3 73.9 38.1 15.7
EBIT 156.7 189.1 221.6 165.6 117.0 106.8 105.2 91.0 87.2 80.0 76.7 79.0 86.1 106.6 120.8 131.4 183.3 69.7 120.5 134.4 145.5 129.0 134.2 128.1 124.6 118.2 114.5 111.4 74.1 70.4 65.1 35.6 12.5
Income Before Tax 156.7 189.1 221.6 165.6 117.0 106.8 105.2 91.0 87.2 80.0 76.7 79.0 86.1 106.6 120.8 131.4 183.3 69.7 120.5 134.4 145.5 129.0 134.2 128.1 124.6 118.2 114.5 111.4 74.1 70.4 65.1 35.6 12.5
Income Tax Expense 40.5 50.4 59.8 43.6 30.5 26.4 24.8 19.4 37.1 21.1 17.9 18.3 18.9 25.4 32.9 36.8 57.9 9.9 30.7 35.6 39.5 35.8 39.1 40.9 40.3 38.4 38.4 38 26 23.6 21.9 10.9 3
Net Income 116.2 138.6 161.8 122.0 86.5 80.4 80.4 71.6 50.0 58.9 58.8 60.6 67.2 81.1 87.9 94.6 125.4 59.8 89.8 98.8 106.0 93.3 95.1 87.1 84.3 79.8 76.1 73.4 48.1 46.8 43.2 24.7 9.5
Per Share Data
EPS (Basic) 4.53 5.20 6.06 4.54 3.22 2.98 2.98 2.69 1.90 2.30 2.30 2.32 2.50 2.93 3.07 3.24 4.17 2.07 3.02 3.17 3.28 2.93 2.89 2.59 2.39 2.19 1.97 1.76 1.12 1.10 0.99 1.02 0.58
EPS (Diluted) 4.53 5.20 6.06 4.54 3.22 2.98 2.98 2.67 1.89 2.29 2.30 2.32 2.50 2.93 3.06 3.21 4.14 2.04 2.98 3.11 3.22 2.87 2.85 2.55 2.36 2.16 1.94 1.73 1.10 1.08 0.98 1.02 0.57
Shares Outstanding 24.8 26.7 26.7 26.9 26.9 26.9 27.0 26.6 26.3 25.6 25.6 26.1 26.8 27.7 28.6 29.2 29.1 28.9 29.8 31.2 32.3 31.8 32.8 33.7 35.2 36.4 38.6 41.8 42.9 34.6 29.6 24.2 24.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 567.8 601.5 190.3 294.2 1,132.1 621.3 373.4 420.3 575.0 462.3 361.1 138.9 126.2 189.6 222.6 179.2 286.5 255.7 229.7 250.8 355.2 182.1 112.4 102.6
Short-Term Investments 1,548.9 1,338.6 3,999.8 4,331.7 4,638.9 4,063.2 3,078.8 2,654.7 2,191.7 1,890.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 37.1 44.6 54.6 53.6 35.5 33.0 28.8 25.8 23.6 21.5 256.0 150.2 136.7 131.7 136.6 117.4 121.2 101.2 102.8 96.1 93.3 60.6 51.4 41.7
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 2,159.7 1,990.4 4,249.9 4,684.4 5,811.2 4,722.1 3,484.8 3,105.4 2,795.2 2,379.3 617.2 289.1 262.9 321.3 359.2 296.6 407.7 356.9 332.5 346.9 448.5 242.7 163.8 144.3
Non-Current Assets
Property, Plant & Equipment 47.9 44.1 45.8 44.6 49.1 51.6 51.7 34.5 35.3 36.6 38.1 27.4 35.2 35.7 37.4 39.8 42.2 44 46 48.4 64 26.6 23.3 26.1
Goodwill 121.7 121.7 121.7 121.7 121.7 121.7 121.7 121.7 121.7 121.7 121.7 121.7 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0.1 0.3 0.6 0.8 1.1 1.4 1.9 3.9 6.9 35.7 15.2 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 3,484.8 3,736.1 1,757.0 1,888.7 1,388.3 1,766.5 1,866.2 2,182.6 2,435.9 2,685.9 4,126.5 3,575.7 4,438.6 4,219.2 3,827.2 3,590.5 3,579.2 3,488.8 3,461.3 3,445.5 3,344.2 2,216.2 1,835.8 1,815.3
Other Non-Current Assets 92.8 95.3 90.4 85.2 89.9 85.0 82.7 80.1 88.0 80.3 36.4 3.8 0.5 0.1 1.0 1.1 2.3 3.5 4.5 7.6 10.1 5.4 7.3 18.7
Total Non-Current Assets 3,800.5 4,085.9 2,114.7 2,265.9 1,649.8 2,025.9 2,134.8 2,463.1 2,717.9 2,986.7 4,358.3 3,743.8 4,474.4 4,255.1 3,865.7 3,631.4 3,623.7 3,536.3 3,511.8 3,501.5 3,418.3 2,248.2 1,866.4 1,860.1
Total Assets 5,960.2 6,076.3 6,364.6 6,950.3 7,461.0 6,747.9 5,619.6 5,568.5 5,513.0 5,366.1 4,975.5 4,032.9 4,737.3 4,576.4 4,224.9 3,928.0 4,031.4 3,893.2 3,844.3 3,848.4 3,866.8 2,490.9 2,030.2 2,004.4
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 137.3 120.3 58.2 57.8 146.2 102.5 61.9 102.5 116.9 118.2 227.2 457.3 735.4 590.6 519.7 311.9 386.9 462.3 203.7 264.8 328.5 175.6 133.2 69.1
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 4,840.0 5,011.9 5,474.3 6,225.3 6,414.0 5,688.0 4,812.6 4,866.8 4,827.6 4,704.7 4,060.2 3,095.1 3,583.6 3,464.0 3,294.1 3,234.6 3,236.7 3,065.3 3,189 3,078.5 3,228.7 2,049.5 1,688.9 1,731.2
Total Current Liabilities 4,977.3 5,132.2 5,532.4 6,283.1 6,560.2 5,790.5 4,874.5 4,969.3 4,944.6 4,822.9 4,287.4 3,552.3 4,319.0 4,054.6 3,813.8 3,546.5 3,623.7 3,527.6 3,392.7 3,343.3 3,557.2 2,225.1 1,822.1 1,800.3
Non-Current Liabilities
Long-Term Debt 0 0 0 0 0 0 0 0 0 0 85.5 0 21.4 129.6 24.6 27.8 31.0 41.5 47.5 52.5 58.9 20 25.5 36.4
Deferred Tax Liabilities 0 0 0 0 2.5 25.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 27.1 36.2 40.5 49.4 53.2 68.0 (3.5) (16.4) (21.7) (18.2) 97.2 70.8 38.2 51.7 45.0 39.2 38.9 23.5 35.5 45.4 (128.6) 21.9 16.4 15.3
Total Non-Current Liabilities 49.4 54.1 59.3 65.1 73.7 112.6 13.7 (16.4) (21.7) (18.2) 182.7 70.8 59.6 181.4 69.6 67.1 69.9 65 83 97.9 (69.7) 41.9 41.9 51.7
Total Liabilities 5,026.7 5,186.3 5,591.7 6,348.2 6,633.9 5,903.1 4,888.1 4,952.9 4,922.8 4,804.7 4,470.1 3,623.1 4,378.7 4,236.0 3,883.4 3,613.6 3,693.6 3,592.6 3,475.7 3,441.2 3,487.5 2,267 1,864 1,852
Stockholders' Equity
Common Stock 440.0 476.5 473.1 475.1 471.0 466.0 465.5 448.4 431.7 404.6 0 0 230.0 220.3 217.2 209.1 207.0 186.4 195.2 0 0 0 0 0
Retained Earnings 584.6 581.6 490.0 383.1 306.4 264.4 239.1 205.8 173.8 165.3 133.0 54.1 119.0 106.9 105.1 93.4 123.6 118.7 153.3 190.7 186.1 127.5 104.2 86.6
Accumulated Other Comprehensive Income (91.1) (168.1) (190.3) (256.1) 49.7 114.4 26.1 (40.0) (16.8) (10.1) 3.7 1.0 9.6 13.2 19.2 11.9 7.2 (4.5) 20.2 17.9 6 1.7 (1.8) 2.5
Total Stockholders' Equity 933.5 890.0 772.9 602.1 827.1 844.8 731.4 615.6 590.2 561.4 505.4 409.9 358.6 340.4 341.5 314.4 337.7 300.6 368.6 407.2 379.3 223.9 166.2 152.4
Total Liabilities & Equity 5,960.2 6,076.3 6,364.6 6,950.3 7,461.0 6,747.9 5,619.6 5,568.5 5,513.0 5,366.1 4,975.5 4,032.9 4,737.3 4,576.4 4,224.9 3,928.0 4,031.4 3,893.2 3,844.3 3,848.4 3,866.8 2,490.9 2,030.2 2,004.4
Debt Metrics
Total Debt 159.5 138.3 77.0 73.5 164.2 121.4 79.0 102.5 116.9 118.2 312.6 457.3 756.9 720.3 544.3 339.7 418.0 503.8 251.2 317.3 387.4 195.6 158.7 105.5
Net Debt (408.3) (463.2) (113.3) (220.7) (967.9) (499.9) (294.4) (317.8) (458.1) (344.1) (48.5) 318.4 630.7 530.7 321.8 160.6 131.5 248.1 21.5 66.5 32.2 13.5 46.3 2.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 116.2 138.6 161.8 122.0 86.5 80.4 80.4 71.6 50.0 58.9 106.0 93.3 95.1 87.1 84.3 79.8 76.1 73.4 48.1 46.8 43.2 24.7 9.5
Depreciation & Amortization 7.2 10.4 11.8 16.6 16.6 22.6 20.6 24.4 26.1 19.9 9.8 6.1 6.2 6.9 9.6 8.4 9.5 9.1 8.6 8.9 8.8 2.5 3.2
Stock-Based Compensation 1.1 1.5 1.4 1.3 1.4 1.9 1.7 2.0 1.8 1.5 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (5.8) 1.0 (13.9) (26.6) (10.2) 6.6 (21.1) (0.3) 13.5 1.7 (0.8) 1.5 9.6 (12.1) 2.2 1.5 6.5 (21.3) (0.2) (18.1) (5.2) (3.8) (2.4)
Other Non-Cash Items (0.4) (1.5) (1.9) (2.6) (5.6) (3.8) (0.9) (1.0) (10.7) (4.3) 2.8 10.4 4.5 8.6 2.7 3.5 3.8 2.1 22 19.1 17.2 4.3 18.1
Operating Cash Flow 121.9 141.6 158.2 113.7 88.7 107.7 80.7 96.6 80.8 77.6 117.8 111.3 115.4 90.6 98.7 93.1 95.9 63.3 78.5 56.7 64 27.7 28.4
Investing Activities
Capital Expenditure (2.2) (1.7) (1.2) (0.8) (1.3) (2.2) (4.0) (3.1) (2.7) (1.8) (1.7) (3.4) (4.3) (1.6) (4.1) (2.6) (3.5) (4.2) (5) (19.2) (9.1) (1.8) (3.5)
Acquisitions 0 0 0 0 0 0 0 0 0 0 (35.2) 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (710.1) (20.7) 0 (1,355.2) (1,909.4) (2,103.0) (970.5) (854.6) (635.8) (1,327.9) (254.3) (986.9) (1,443.1) (1,890.9) (451.2) (60.5) (420) (387.4) (515) (366.1) (313.2) (266.8) (428.2)
Sales/Maturities of Investments 770.8 687.5 460.0 611.2 1,410.9 1,479.0 871.3 520.4 497.8 941.7 466.5 716.1 882.7 1,688.3 450.5 165.8 372.5 410.9 409.1 453.7 274.2 235.3 276.1
Other Investing Activities 91.2 50.6 88.5 113.5 193.8 (122.7) 81.0 83.8 67.5 190.8 71.5 21.1 168.3 52.1 (4.4) (91.0) (26.7) (33.8) 19.3 34.4 3.8 11 78.2
Investing Cash Flow 149.7 715.7 547.3 (631.3) (306.1) (748.9) (22.3) (253.6) (73.3) (197.3) 246.9 (253.0) (396.5) (152.1) (9.2) 11.7 (77.7) (14.5) (91.6) 102.8 (44.3) (22.3) (77.4)
Financing Activities
Net Debt Issuance 17.0 62.2 0.4 (88.5) 43.7 71.6 (20.3) (7.2) (0.6) 6.0 (51.0) 34.4 173.8 214.9 (78.2) (86.3) 252.7 (66.2) 91 (1.1) 34.6 (13.3) 17
Stock Repurchased (103.8) (0.2) (13.7) (0.2) (0.2) (16.5) (0.5) (0.5) (0.3) (5.4) 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (46.9) (47.0) (46.0) (45.2) (44.3) (44.3) (43.9) (42.6) (41.3) (39.9) (39.3) (35.1) (32.9) (30.3) (29.1) (27.0) (25.6) (21.9) (13.4) (15) (12.1) (5.2) (4.7)
Other Financing Activities (171.8) (461.1) (750.1) (186.4) 729.0 878.2 (40.5) 52.6 147.5 188.2 (105.7) 121.9 169.9 (24.1) (1.4) 91.1 (123.7) 110.5 (150.2) (108) 21 21.8 (1.6)
Financing Cash Flow (305.2) (446.1) (809.4) (320.3) 728.2 889.0 (105.3) 2.2 105.2 148.9 (281.6) 78.3 248.2 104.9 (196.9) (74.1) 7.8 (69.9) (91.3) (147.2) 35.3 4.3 12.1
Cash Position
Net Change in Cash (33.7) 411.2 (103.9) (837.8) 510.8 247.9 (46.9) (154.7) 112.7 29.2 83.1 (63.5) (32.9) 43.4 (107.3) 30.7 26 (21.1) (104.4) (342.9) (287.9) (102.6) (139.5)
Cash at Beginning 601.5 190.3 294.2 1,132.1 621.3 373.4 420.3 575.0 462.3 433.0 126.2 189.6 222.6 179.2 286.5 255.7 229.7 250.8 355.2 342.9 287.9 102.6 139.5
Cash at End 567.8 601.5 190.3 294.2 1,132.1 621.3 373.4 420.3 575.0 462.3 209.3 126.2 189.6 222.6 179.2 286.5 255.7 229.7 250.8 193.1 177.4 106.9 151.6
Free Cash Flow 119.6 139.8 157.0 112.9 87.4 105.5 76.7 93.5 78.0 75.8 117.9 107.9 111.0 89.0 94.7 90.6 92.4 59.1 73.5 37.5 54.9 25.9 24.9
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 271.8 311.2 327.5 266.9 216.8 208.0 206.1 199.9 194.3 182.5 184.4 192.0 211.4 240.4 268.1 282.4 305.1 206.4 295.1 301.9 297.3 264.3 266.4 274.2 299.7 310.6 297.9 304.7 307.7 310.5 317.9 153.6 160.8
Gross Profit 258.7 293.4 324.8 265.0 214.8 201.8 204.2 197.9 194.3 183.6 182.0 185.8 198.7 223.4 248.5 258.4 275.2 170.5 221.9 236.1 252.8 240.5 235.9 231.4 227.2 218.4 214.6 212.8 212 206.5 207.1 106.6 109
Operating Income 156.7 189.1 221.6 165.6 117.0 106.8 105.2 91.0 87.2 80.0 76.7 79.0 86.1 106.6 120.8 131.4 183.3 69.7 120.5 134.4 145.5 129.0 134.2 128.1 124.6 118.2 114.5 111.4 74.1 70.4 65.1 35.6 12.5
Net Income 116.2 138.6 161.8 122.0 86.5 80.4 80.4 71.6 50.0 58.9 58.8 60.6 67.2 81.1 87.9 94.6 125.4 59.8 89.8 98.8 106.0 93.3 95.1 87.1 84.3 79.8 76.1 73.4 48.1 46.8 43.2 24.7 9.5
EPS (Diluted) 4.53 5.20 6.06 4.54 3.22 2.98 2.98 2.67 1.89 2.29 2.30 2.32 2.50 2.93 3.06 3.21 4.14 2.04 2.98 3.11 3.22 2.87 2.85 2.55 2.36 2.16 1.94 1.73 1.10 1.08 0.98 1.02 0.57
Balance Sheet
Cash & Equivalents 567.8 601.5 190.3 294.2 1,132.1 621.3 373.4 420.3 575.0 462.3 361.1 138.9 126.2 189.6 222.6 179.2 286.5 255.7 229.7 250.8 355.2 182.1 112.4 102.6
Total Assets 5,960.2 6,076.3 6,364.6 6,950.3 7,461.0 6,747.9 5,619.6 5,568.5 5,513.0 5,366.1 4,975.5 4,032.9 4,737.3 4,576.4 4,224.9 3,928.0 4,031.4 3,893.2 3,844.3 3,848.4 3,866.8 2,490.9 2,030.2 2,004.4
Total Debt 159.5 138.3 77.0 73.5 164.2 121.4 79.0 102.5 116.9 118.2 312.6 457.3 756.9 720.3 544.3 339.7 418.0 503.8 251.2 317.3 387.4 195.6 158.7 105.5
Stockholders' Equity 933.5 890.0 772.9 602.1 827.1 844.8 731.4 615.6 590.2 561.4 505.4 409.9 358.6 340.4 341.5 314.4 337.7 300.6 368.6 407.2 379.3 223.9 166.2 152.4
Cash Flow
Operating Cash Flow 121.9 141.6 158.2 113.7 88.7 107.7 80.7 96.6 80.8 77.6 117.8 111.3 115.4 90.6 98.7 93.1 95.9 63.3 78.5 56.7 64 27.7 28.4
Capital Expenditure (2.2) (1.7) (1.2) (0.8) (1.3) (2.2) (4.0) (3.1) (2.7) (1.8) (1.7) (3.4) (4.3) (1.6) (4.1) (2.6) (3.5) (4.2) (5) (19.2) (9.1) (1.8) (3.5)
Free Cash Flow 119.6 139.8 157.0 112.9 87.4 105.5 76.7 93.5 78.0 75.8 117.9 107.9 111.0 89.0 94.7 90.6 92.4 59.1 73.5 37.5 54.9 25.9 24.9