Switch to:
Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt 7.83
WABC's Cash-to-Debt is ranked higher than
68% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. WABC: 7.83 )
Ranked among companies with meaningful Cash-to-Debt only.
WABC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.74 Max: 8.17
Current: 7.83
0.17
8.17
Equity-to-Asset 0.11
WABC's Equity-to-Asset is ranked higher than
61% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WABC: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
WABC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 37.79
WABC's Interest Coverage is ranked higher than
93% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. WABC: 37.79 )
Ranked among companies with meaningful Interest Coverage only.
WABC' s Interest Coverage Range Over the Past 10 Years
Min: 1.66  Med: 16.43 Max: 37.79
Current: 37.79
1.66
37.79
Piotroski F-Score: 4
WACC vs ROIC
9.41%
38.57%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 44.79
WABC's Operating Margin % is ranked higher than
80% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. WABC: 44.79 )
Ranked among companies with meaningful Operating Margin % only.
WABC' s Operating Margin % Range Over the Past 10 Years
Min: 40.25  Med: 45.1 Max: 54.79
Current: 44.79
40.25
54.79
Net Margin % 32.97
WABC's Net Margin % is ranked higher than
80% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. WABC: 32.97 )
Ranked among companies with meaningful Net Margin % only.
WABC' s Net Margin % Range Over the Past 10 Years
Min: 32.16  Med: 34.2 Max: 40.33
Current: 32.97
32.16
40.33
ROE % 10.69
WABC's ROE % is ranked higher than
69% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. WABC: 10.69 )
Ranked among companies with meaningful ROE % only.
WABC' s ROE % Range Over the Past 10 Years
Min: 10.69  Med: 14.69 Max: 26.54
Current: 10.69
10.69
26.54
ROA % 1.12
WABC's ROA % is ranked higher than
69% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WABC: 1.12 )
Ranked among companies with meaningful ROA % only.
WABC' s ROA % Range Over the Past 10 Years
Min: 1.12  Med: 1.51 Max: 2.78
Current: 1.12
1.12
2.78
3-Year Revenue Growth Rate -3.30
WABC's 3-Year Revenue Growth Rate is ranked lower than
79% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. WABC: -3.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WABC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.4  Med: 3.9 Max: 15.2
Current: -3.3
-9.4
15.2
3-Year EBITDA Growth Rate 0.10
WABC's 3-Year EBITDA Growth Rate is ranked lower than
70% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. WABC: 0.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WABC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -17  Med: 3.5 Max: 21.9
Current: 0.1
-17
21.9
3-Year EPS without NRI Growth Rate -2.90
WABC's 3-Year EPS without NRI Growth Rate is ranked lower than
76% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. WABC: -2.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WABC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -14.1  Med: 3 Max: 25.2
Current: -2.9
-14.1
25.2
GuruFocus has detected 2 Warning Signs with Westamerica Bancorp $WABC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WABC's 10-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

WABC Guru Trades in Q1 2016

Jim Simons 162,000 sh (+158.70%)
Mairs and Power 5,359 sh (unchged)
Ken Fisher 18,517 sh (unchged)
» More
Q2 2016

WABC Guru Trades in Q2 2016

Mairs and Power 5,359 sh (unchged)
Ken Fisher 18,517 sh (unchged)
Jim Simons 161,000 sh (-0.62%)
» More
Q3 2016

WABC Guru Trades in Q3 2016

Paul Tudor Jones 6,295 sh (New)
Jim Simons 185,200 sh (+15.03%)
Mairs and Power 5,359 sh (unchged)
Ken Fisher 15,917 sh (-14.04%)
» More
Q4 2016

WABC Guru Trades in Q4 2016

Paul Tudor Jones 10,508 sh (+66.93%)
Mairs and Power 5,359 sh (unchged)
Ken Fisher 15,917 sh (unchged)
Jim Simons 133,700 sh (-27.81%)
» More
» Details

Insider Trades

Latest Guru Trades with WABC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:BANF, NAS:WSFS, NAS:UBSH, NAS:BPFH, NAS:FRME, NAS:CSFL, AMEX:PRK, NAS:HTLF, NAS:WSBC, AMEX:TMP, NYSE:FBP, NAS:STBA, NAS:BNCL, NAS:NBTB, NAS:IBTX, NAS:SRCE, NAS:ABCB, NAS:FFBC, NAS:INDB, NYSE:FCF » details
Traded in other countries:WB1.Germany,
Westamerica Bancorp provides banking services to individual and corporate customers through its subsidiary bank, Westamerica Bank. It offers personal banking services such as online services, savings account, trust services, order checks & among others.

Westamerica Bancorporation is based in San Rafael, California. Westamerica Bancorporation runs a regional community bank and has close to $5 billion in assets. The banks' net revenue is generated by net interest income. Deposit service charges make up the noninterest income sources. The bank focuses mostly on commercial clients, such as smaller businesses. Its footprint encompasses central and northern California, extending north of San Francisco to Mendocino and Lake counties, south to Kern County in central California, and all the way east to Nevada County.

Ratios

vs
industry
vs
history
PE Ratio 23.95
WABC's PE Ratio is ranked lower than
84% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. WABC: 23.95 )
Ranked among companies with meaningful PE Ratio only.
WABC' s PE Ratio Range Over the Past 10 Years
Min: 11.73  Med: 16.77 Max: 29.52
Current: 23.95
11.73
29.52
PE Ratio without NRI 23.95
WABC's PE Ratio without NRI is ranked lower than
84% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. WABC: 23.95 )
Ranked among companies with meaningful PE Ratio without NRI only.
WABC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.73  Med: 16.77 Max: 29.52
Current: 23.95
11.73
29.52
Price-to-Owner-Earnings 18.14
WABC's Price-to-Owner-Earnings is ranked lower than
66% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. WABC: 18.14 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WABC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.44  Med: 14.84 Max: 48.51
Current: 18.14
8.44
48.51
PB Ratio 2.49
WABC's PB Ratio is ranked lower than
93% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. WABC: 2.49 )
Ranked among companies with meaningful PB Ratio only.
WABC' s PB Ratio Range Over the Past 10 Years
Min: 1.92  Med: 2.63 Max: 4.44
Current: 2.49
1.92
4.44
PS Ratio 7.91
WABC's PS Ratio is ranked lower than
93% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. WABC: 7.91 )
Ranked among companies with meaningful PS Ratio only.
WABC' s PS Ratio Range Over the Past 10 Years
Min: 4.05  Med: 6.23 Max: 9.42
Current: 7.91
4.05
9.42
Price-to-Free-Cash-Flow 18.64
WABC's Price-to-Free-Cash-Flow is ranked lower than
75% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. WABC: 18.64 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WABC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.87  Med: 14.4 Max: 22.52
Current: 18.64
7.87
22.52
Price-to-Operating-Cash-Flow 18.18
WABC's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. WABC: 18.18 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WABC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.8  Med: 14.02 Max: 21.97
Current: 18.18
7.8
21.97
EV-to-EBIT 13.17
WABC's EV-to-EBIT is ranked lower than
55% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. WABC: 13.17 )
Ranked among companies with meaningful EV-to-EBIT only.
WABC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 11.65 Max: 30.8
Current: 13.17
6.2
30.8
EV-to-EBITDA 10.58
WABC's EV-to-EBITDA is ranked higher than
51% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. WABC: 10.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
WABC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.6  Med: 10 Max: 26.9
Current: 10.58
5.6
26.9
Shiller PE Ratio 17.92
WABC's Shiller PE Ratio is ranked higher than
61% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. WABC: 17.92 )
Ranked among companies with meaningful Shiller PE Ratio only.
WABC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.76  Med: 15.11 Max: 21.21
Current: 17.92
10.76
21.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.81
WABC's Dividend Yield % is ranked higher than
51% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. WABC: 2.81 )
Ranked among companies with meaningful Dividend Yield % only.
WABC' s Dividend Yield % Range Over the Past 10 Years
Min: 2.25  Med: 2.94 Max: 4.1
Current: 2.81
2.25
4.1
Dividend Payout Ratio 0.68
WABC's Dividend Payout Ratio is ranked lower than
77% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WABC: 0.68 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WABC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.55 Max: 0.68
Current: 0.68
0.34
0.68
3-Year Dividend Growth Rate 1.50
WABC's 3-Year Dividend Growth Rate is ranked lower than
73% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. WABC: 1.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
WABC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 1.1  Med: 4.4 Max: 27.1
Current: 1.5
1.1
27.1
Forward Dividend Yield % 2.88
WABC's Forward Dividend Yield % is ranked lower than
51% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. WABC: 2.88 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.01
WABC's 5-Year Yield-on-Cost % is ranked lower than
53% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. WABC: 3.01 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WABC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.41  Med: 3.15 Max: 4.4
Current: 3.01
2.41
4.4
3-Year Average Share Buyback Ratio 1.10
WABC's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. WABC: 1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WABC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.1  Med: 2.6 Max: 5.4
Current: 1.1
-0.1
5.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.27
WABC's Price-to-Tangible-Book is ranked lower than
95% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. WABC: 3.27 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WABC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 2.79  Med: 4.06 Max: 5.9
Current: 3.27
2.79
5.9
Price-to-Intrinsic-Value-Projected-FCF 1.09
WABC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
76% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. WABC: 1.09 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WABC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.77  Med: 1.1 Max: 1.4
Current: 1.09
0.77
1.4
Price-to-Median-PS-Value 1.27
WABC's Price-to-Median-PS-Value is ranked lower than
65% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. WABC: 1.27 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WABC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.09 Max: 1.45
Current: 1.27
0.78
1.45
Price-to-Graham-Number 1.87
WABC's Price-to-Graham-Number is ranked lower than
95% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. WABC: 1.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WABC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.34  Med: 1.88 Max: 2.46
Current: 1.87
1.34
2.46
Earnings Yield (Greenblatt) % 7.61
WABC's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. WABC: 7.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WABC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.2  Med: 8.6 Max: 16.1
Current: 7.61
3.2
16.1
Forward Rate of Return (Yacktman) % 0.73
WABC's Forward Rate of Return (Yacktman) % is ranked lower than
79% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. WABC: 0.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
WABC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.9  Med: 8.35 Max: 14.2
Current: 0.73
-1.9
14.2

More Statistics

Revenue (TTM) (Mil) $178.5
EPS (TTM) $ 2.30
Beta0.95
Short Percentage of Float13.50%
52-Week Range $45.62 - 65.34
Shares Outstanding (Mil)26.27

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 2.35
EPS without NRI ($) 2.35
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for WABC

Headlines

Articles On GuruFocus.com
Lountzis Asset Management Comments on Westamerica Bancorp Mar 21 2014 
SVP/CFO of Westamerica Bancorporation John A Thorson sold 21,600 shares Jul 21 2013 
Westamerica Ban Corp. (WABC) SVP/CFO John A Thorson sells 5,770 Shares Feb 08 2011 
Westamerica Ban Corp. (WABC) Chairman, President & CEO David L Payne sells 27,081 Shares Nov 04 2010 
Westamerica Ban Corp. Reports Operating Results (10-Q) Nov 01 2010 
Westamerica Ban Corp. Reports Operating Results (10-Q) Jul 30 2010 
Westamerica Ban Corp. (WABC) Chairman, President & CEO David L Payne sells 74,400 Shares Jul 22 2010 
Westamerica Ban Corp. Reports Operating Results (10-Q) Apr 30 2010 
Westamerica Ban Corp. (WABC) SVP/CFO John A Thorson sells 6,000 Shares Apr 27 2010 
Westamerica Ban Corp. (WABC) SVP/CFO John A Thorson sells 11,090 Shares Apr 20 2010 

More From Other Websites
WESTAMERICA BANCORPORATION Financials Mar 04 2017
Westamerica Bancorp breached its 50 day moving average in a Bearish Manner : WABC-US : March 3, 2017 Mar 03 2017
WESTAMERICA BANCORPORATION Files SEC form 10-K, Annual Report Feb 28 2017
WESTAMERICA BANCORPORATION Files SEC form 8-K, Other Events Jan 26 2017
Westamerica Bancorporation Declares Quarterly Cash Dividend Jan 26 2017
Westamerica Bancorp :WABC-US: Earnings Analysis: Q4, 2016 By the Numbers : January 23, 2017 Jan 23 2017
Westamerica posts 4Q profit Jan 19 2017
Westamerica posts 4Q profit Jan 19 2017
WESTAMERICA BANCORPORATION Files SEC form 8-K, Results of Operations and Financial Condition Jan 19 2017
Westamerica Bancorporation Reports Fourth Quarter 2016 Financial Results Jan 19 2017
ETFs with exposure to Westamerica Bancorp : January 17, 2017 Jan 17 2017
Westamerica Bancorp breached its 50 day moving average in a Bearish Manner : WABC-US : January 13,... Jan 13 2017
Westamerica Bancorp : WABC-US: Dividend Analysis : November 07th, 2016 (record date) : By the... Jan 05 2017
ETFs with exposure to Westamerica Bancorp : December 22, 2016 Dec 22 2016
Is WestAmerica Bancorp. (WABC) A Good Stock to Buy? Dec 20 2016
WESTAMERICA BANCORPORATION Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Dec 19 2016
ETFs with exposure to Westamerica Bancorp : December 8, 2016 Dec 08 2016
Westamerica Bancorp :WABC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 16, 2016 Nov 16 2016
ETF’s with exposure to Westamerica Bancorp : November 9, 2016 Nov 09 2016
Westamerica Bancorp breached its 50 day moving average in a Bullish Manner : WABC-US : November 8,... Nov 08 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)