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Westamerica Bank WABC Q2 2025 earnings

Reported July 17, 2025 · Before market open

Revenue$64.6MBeat by $393.0K
EPS$1.12Beat by $0.05
Revenue estimate$64.2M
EPS estimate$1.07

Next report

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

Financials

Q2 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$626.4M+28.9%
Total debt$121.6M+546%
Total equity$921.8M+13.0%
Total assets$5.8B-7.7%

Cash flow

See full
Operating cash flow$23.5M+23.6%
CapEx$735.0K+59.4%
Free cash flow$22.8M+22.7%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.26B-3.0%
Enterprise value$751.03M-9.2%
P/E9.9×+1.2×
P/S4.6×+0.4×

Profitability

See full
Net margin46.2%-2.5pp
FCF margin48.6%+6.9pp

Returns & leverage

See full
Return on equity14.7%-5.8pp
Debt / equity0.1×+0.1×

Segments

By product

See full
Deposit Account$3.4M-2.9%
Credit Card Merchant Discount$2.7M-1.7%
Debit Card$1.7M-2.5%
Fiduciary And Trust$867.0K+6.9%
ATM Processing Fees$482.0K-10.7%

FAQ

When did Westamerica Bank report Q2 2025 earnings?
Westamerica Bank (WABC) reported Q2 2025 earnings on July 17, 2025 before market open.
What were Westamerica Bank's Q2 2025 revenue and EPS?
Westamerica Bank reported revenue of $64.6M and eps of $1.12 for Q2 2025.
Did Westamerica Bank beat estimates in Q2 2025?
Revenue beat the consensus estimate of $64.2M by $393.0K. EPS beat the consensus estimate of $1.07 by $0.05.
How did Westamerica Bank's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 13.0% from $74.3M a year earlier and eps declined 15.8% from $1.33.
Where can I find Westamerica Bank's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001171843-25-004529) and the 10-Q periodic report (0001171843-25-005101) directly on SEC EDGAR. The filing index links above go to sec.gov.