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Westamerica Bank WABC Net Interest Income

Discontinued — last reported Q4 '25

Net Interest Income at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.37B+9.0%
Bank of America logo
Bank of AmericaBAC
$15.75B+9.0%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$12.1B+5.2%
Community West Bancshares logo
Community West BancsharesCWBC
$36M+11.9%
West Bancorporation logo
West BancorporationWTBA
$24.39M+16.9%
Stellar Bancorp logo
Stellar BancorpSTEL
$105.93M+6.7%

Other financials

Income statement

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Revenue$64.5M-12.2%
Net income$27.4M-5.8%
EPS (diluted)$1.13-13.1%

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

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Market cap$1.38B+14.5%
Enterprise value$1.15B+87.5%
P/E12.1×+3.0×
P/S5.4×-0.2×

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by Westamerica Bank in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: Westamerica Bank’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Westamerica Bank's net interest income?
Westamerica Bank (WABC) reported net interest income of $54.32M in Q4 2025.
How has Westamerica Bank's net interest income changed year-over-year?
Westamerica Bank's net interest income decreased by 13.3% year-over-year, from $62.65M to $54.32M.
What is the long-term trend for Westamerica Bank's net interest income?
Over 3 years (2022 to 2025), Westamerica Bank's net interest income has grown at a -0.4% compound annual growth rate (CAGR), from $219.83M to $217.27M.
What does net interest income mean?
This is the difference between the interest income generated by interest-earning assets and the interest expense paid on interest-bearing liabilities. It is the fundamental measure of a bank's core profitability and its ability to manage interest rate spreads.