WABC · Westamerica Bancorporation - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $2.54M | $2.63M | $2.94M | $2.90M | $2.98M | $3.68M |
| Operating Income | $156.69M | $189.06M | $221.58M | $165.59M | $117.03M | $106.80M |
| Interest Expense | - | - | $3.89M | $1.93M | $1.96M | $1.82M |
| Income Tax | $40.51M | $50.42M | $59.81M | $43.56M | $30.52M | $26.39M |
| Net Income | $116.17M | $138.64M | $161.77M | $122.03M | $86.51M | $80.41M |
| EPS - Basic | $4.52 | $5.20 | $6.06 | $4.54 | $3.22 | $2.98 |
| EPS - Diluted | $4.52 | $5.20 | $6.06 | $4.54 | $3.22 | $2.98 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $5.96B | $6.08B | $6.36B | $6.95B | $7.46B | $6.75B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $5.03B | $5.19B | $5.59B | $6.35B | $6.63B | $5.90B |
| Stockholders' Equity | $933.51M | $889.96M | $772.89M | $602.11M | $827.10M | $844.81M |
| Retained Earnings | $584.63M | $581.55M | $490.00M | $383.09M | $306.39M | $264.36M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $121.90M | $141.57M | $158.21M | $113.70M | $88.73M | $107.74M |
| Investing Cash Flow | $149.61M | $715.68M | $547.27M | ($631.29M) | ($306.08M) | ($748.92M) |
| Financing Cash Flow | ($305.20M) | ($446.07M) | ($809.40M) | ($320.26M) | $728.16M | $889.03M |
| CapEx | $2.25M | $1.74M | $1.16M | $811.0K | $1.32M | $2.20M |
| Free Cash Flow | $119.65M | $139.83M | $157.05M | $112.89M | $87.41M | $105.54M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.03 | 1.01 | 0.97 | 0.93 | 1.01 | 1.31 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 25.9% | 26.7% | 27.0% | 26.3% | 26.1% | 24.7% |
| Return on assets | 1.9% | 2.3% | 2.5% | 1.8% | 1.2% | 1.2% |
| Return on equity | 12.4% | 15.6% | 20.9% | 20.3% | 10.5% | 9.5% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 57.0x | 86.0x | 59.9x | 58.6x |
| Equity multiplier | 6.38 | 6.83 | 8.23 | 11.54 | 9.02 | 7.99 |
| Liabilities / Assets | 0.84 | 0.85 | 0.88 | 0.91 | 0.89 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.6x | 10.1x | 9.3x | 13.0x | 17.9x | 18.6x |
| P / B | 1.3x | 1.6x | 1.9x | 2.6x | 1.9x | 1.8x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 7.7x | 7.3x | 6.7x | 9.4x | 12.9x | 13.5x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -17.1% | -14.7% | 33.8% | 41.5% | 9.6% | 1.5% |
| Net income growth (YoY) | -16.2% | -14.3% | 32.6% | 41.1% | 7.6% | 0.0% |
| EPS growth (YoY) | -13.1% | -14.2% | 33.5% | 41.0% | 8.1% | 0.0% |
| EPS CAGR (3y) | -0.1% | 17.3% | 26.7% | 15.1% | 6.4% | 16.4% |
| EPS CAGR (5y) | 8.7% | 11.8% | 17.8% | 19.2% | 7.1% | 5.3% |
| FCF growth (YoY) | -14.4% | -11.0% | 39.1% | 29.1% | -17.2% | 37.6% |
| FCF CAGR (5y) | 2.5% | 12.8% | 10.9% | 8.5% | 2.9% | 9.9% |
| Book value growth (YoY) | 4.9% | 15.1% | 28.4% | -27.2% | -2.1% | 15.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing WESTAMERICA BANCORPORATION against the 5 most active filers in the same SIC group.
Dividends
$1.86/share trailing 12 months · +4.5% YoY
| Ex-date | Per share |
|---|---|
| May 4, 2026 | $0.4800 |
| Feb 2, 2026 | $0.4600 |
| Nov 3, 2025 | $0.4600 |
| Aug 4, 2025 | $0.4600 |
| May 5, 2025 | $0.4600 |
| Feb 3, 2025 | $0.4400 |
| Nov 4, 2024 | $0.4400 |
| Aug 5, 2024 | $0.4400 |
| May 3, 2024 | $0.4400 |
| Feb 2, 2024 | $0.4400 |
| Nov 3, 2023 | $0.4400 |
| Aug 4, 2023 | $0.4400 |
| May 5, 2023 | $0.4200 |
| Feb 3, 2023 | $0.4200 |
| Nov 4, 2022 | $0.4200 |
| Aug 5, 2022 | $0.4200 |
| May 6, 2022 | $0.4200 |
| Feb 4, 2022 | $0.4200 |
| Nov 5, 2021 | $0.4200 |
| Jul 30, 2021 | $0.4100 |
| Apr 30, 2021 | $0.4100 |
| Feb 5, 2021 | $0.4100 |
| Oct 30, 2020 | $0.4100 |
| Jul 31, 2020 | $0.4100 |