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Westamerica Bank

WABC

Westamerica Bancorporation is a regional bank holding company that provides a comprehensive suite of banking services to individual and commercial customers throughout Northern and Central California.

Market cap
$1.38B+14.1%
Net income$114.5M-13.9%
Free cash flow$116.2M-10.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 15, 2026 (in 2 months)
Revenue estimate$63.1M
EPS estimate$1.17

Financials

Q1 2026

Income statement

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Net income$27.4M-5.8%

Balance sheet

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Cash & equivalents$397.3M-45.4%
Total debt$165.5M+24.2%
Total equity$882.7M-4.4%
Total assets$5.9B-1.7%

Cash flow

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Operating cash flow$39.7M-6.3%
CapEx$1.0M+410%
Free cash flow$38.7M-8.2%

Valuation & ratios

Valuation

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Market cap$1.38B+14.1%
Enterprise value$1.15B+60.5%
P/E12.1×+2.5×

Returns & leverage

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Return on equity12.7%-2.8pp
Debt / equity0.2×0.0×

Segments

By product

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Deposit Account$3.3M-1.4%
Credit Card Merchant Discount$2.7M+0.2%
Debit Card$1.3M-16.3%
Fiduciary And Trust$927.0K+3.1%
ATM Processing Fees$450.0K-2.8%

Competitors

Profile

Westamerica Bancorporation is a regional bank holding company that provides a comprehensive suite of banking services to individual and commercial customers throughout Northern and Central California. The company primarily operates through its subsidiary, Westamerica Bank, with a strategic focus on meeting the specialized banking needs of small businesses. Its value proposition centers on local market expertise and a relationship-based approach to community banking.

Competitive position

A leading independent community bank in Northern and Central California with a significant historical focus on growth through strategic acquisitions of local and failed banks.

GeographiesCalifornia, United States
Customer segmentsSmall and Medium Enterprises, Retail Consumers
Business modelInterest Income, Fee-based Services
SuppliersFederal Reserve System, FDIC, Data Processing Infrastructure, Human Capital
CustomersSmall Business Owners, Retail Depositors, Commercial Borrowers, Real Estate Developers
Listed1973
Employees641.0
CEODavid L. Payne
FilingsSEC EDGAR

FAQ

What is Westamerica Bank's market cap?
Westamerica Bank (WABC) has a market capitalization of $1.4B and trades on NASDAQ.
Who are Westamerica Bank's competitors?
Westamerica Bank's key competitors include Wells Fargo & Company, Bank of America Corporation, JPMorgan Chase & Co., and others. These companies compete in similar markets and product categories.
What subsidiaries does Westamerica Bank have?
Westamerica Bank's subsidiaries include Westamerica Bank, Community Banker Services Corporation.
Where is Westamerica Bank headquartered?
Westamerica Bank is headquartered in United States of America and employs approximately 641 people. It has been publicly traded since 1973.