What is Westamerica Bank's net margin?

Westamerica Bank (WABC) reported net margin of 45% in Q4 2025.

How has Westamerica Bank's net margin changed year-over-year?

Westamerica Bank's net margin decreased by 4.6% year-over-year, from 47.2% to 45%.

What is the long-term trend for Westamerica Bank's net margin?

Over 3 years (2022 to 2025), Westamerica Bank's net margin has grown at a -0.8% compound annual growth rate (CAGR), from 46.1% to 45%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Westamerica Bank WABC Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Stellar BancorpSTEL

24.5%-2.1pp

Amerant BancorpAMTB

13.5%—

Banc of CaliforniaBANC

21.7%+6.8pp

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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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

Calculated from Westamerica Bank’s reported figures.

net income/total revenue=45%

Based on trailing twelve months.

The official record: Westamerica Bank’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Westamerica Bank's net margin?: Westamerica Bank (WABC) reported net margin of 45% in Q4 2025.
How has Westamerica Bank's net margin changed year-over-year?: Westamerica Bank's net margin decreased by 4.6% year-over-year, from 47.2% to 45%.
What is the long-term trend for Westamerica Bank's net margin?: Over 3 years (2022 to 2025), Westamerica Bank's net margin has grown at a -0.8% compound annual growth rate (CAGR), from 46.1% to 45%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.