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Westamerica Bank WABC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Stellar BancorpSTEL
$103.43M+8.2%
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Amerant BancorpAMTB
$72.48M+7.4%
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$241.82M+8.4%
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$206.96M+58.6%
CTB
Community Trust BancorpCTBI
$56.47M+18.4%
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JPMorgan ChaseJPM

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$1.39B+14.9%
Enterprise value$1.16B+88.3%
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions)?
Westamerica Bank (WABC) reported net interest income (after provisions) of $54.45M in Q4 2025.
How has Westamerica Bank's net interest income (after provisions) changed year-over-year?
Westamerica Bank's net interest income (after provisions) decreased by 13.0% year-over-year, from $62.57M to $54.45M.
What is the long-term trend for Westamerica Bank's net interest income (after provisions)?
Over 3 years (2022 to 2025), Westamerica Bank's net interest income (after provisions) has grown at a -0.3% compound annual growth rate (CAGR), from $219.83M to $217.82M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected future loan defaults. It provides a more accurate view of the bank's net revenue after accounting for the inherent risk in its loan portfolio.