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Westamerica Bank WABC Q1 2025 earnings

Reported April 17, 2025 · Before market open

Revenue$66.4MIn line
EPS$1.16Beat by $0.05
Revenue estimate$66.4M
EPS estimate$1.11

Next report

Oct 15, 2026 (In 1 week)
Revenue estimate$63.1M
EPS estimate$1.17

Financials

Q1 2025

Income statement

See full
Revenue$64.5M-12.2%
Net income$29.0M-16.2%
EPS (diluted)$1.13-13.1%

Balance sheet

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Cash & equivalents$727.3M+67.5%
Total debt$133.2M+89.5%
Total equity$923.1M+16.6%
Total assets$6.0B-7.7%

Cash flow

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Operating cash flow$42.4M-18.8%
CapEx$199.0K+63.1%
Free cash flow$42.2M-19.0%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$1.35B+3.7%
Enterprise value$758.47M-19.3%
P/E10.2×+1.8×
P/S4.7×+0.6×

Profitability

See full
Net margin46.7%-2.6pp
FCF margin45.6%-5.9pp

Returns & leverage

See full
Return on equity15.5%-6.2pp
Debt / equity0.1×+0.1×

Segments

By product

See full
Deposit Account$3.4M-2.6%
Credit Card Merchant Discount$2.7M+9.0%
Debit Card$1.6M+2.5%
Fiduciary And Trust$899.0K+13.2%
ATM Processing Fees$463.0K-21.7%

FAQ

When did Westamerica Bank report Q1 2025 earnings?
Westamerica Bank (WABC) reported Q1 2025 earnings on April 17, 2025 before market open.
What were Westamerica Bank's Q1 2025 revenue and EPS?
Westamerica Bank reported revenue of $66.4M and eps of $1.16 for Q1 2025.
Did Westamerica Bank beat estimates in Q1 2025?
Revenue missed the consensus estimate of $66.4M by $4.0K. EPS beat the consensus estimate of $1.11 by $0.05.
Where can I find Westamerica Bank's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001171843-25-002298) and the 10-Q periodic report (0001171843-25-003020) directly on SEC EDGAR. The filing index links above go to sec.gov.