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Westamerica Bank WABC Q4 2025 Annual earnings

Reported January 15, 2026 · Before market open

Revenue$63.6MBeat by $1.7M
EPS$1.12Beat by $0.05
Revenue estimate$61.9M
EPS estimate$1.07

Next report

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

Financials

Q4 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$567.8M-5.6%
Total debt$159.5M+15.3%
Total equity$933.5M+4.9%
Total assets$6.0B-1.9%

Cash flow

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Operating cash flow$26.6M-10.8%
CapEx$626.0K-6.1%
Free cash flow$25.9M-10.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.19B-14.8%
Enterprise value$784.25M-16.3%
P/E10.3×+0.2×
P/S4.6×-0.1×

Profitability

See full
Net margin45%-2.2pp
FCF margin46.4%-1.2pp

Returns & leverage

See full
Return on equity12.7%-3.9pp
Debt / equity0.2×0.0×

Segments

By product

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Deposit Account$3.3M-6.6%
Credit Card Merchant Discount$2.7M-1.6%
Debit Card$1.5M-21.2%
Fiduciary And Trust$923.0K+6.5%
ATM Processing Fees$484.0K-4.3%

FAQ

When did Westamerica Bank report Q4 2025 earnings?
Westamerica Bank (WABC) reported Q4 2025 earnings on January 15, 2026 before market open.
What were Westamerica Bank's Q4 2025 revenue and EPS?
Westamerica Bank reported revenue of $63.6M and eps of $1.12 for Q4 2025.
Did Westamerica Bank beat estimates in Q4 2025?
Revenue beat the consensus estimate of $61.9M by $1.7M. EPS beat the consensus estimate of $1.07 by $0.05.
How did Westamerica Bank's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 13.0% from $73.0M a year earlier and eps declined 5.9% from $1.19.
Where can I find Westamerica Bank's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001171843-26-000283) and the 10-K periodic report (0001171843-26-001195) directly on SEC EDGAR. The filing index links above go to sec.gov.