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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 7.43
WABC's Cash-to-Debt is ranked higher than
66% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. WABC: 7.43 )
Ranked among companies with meaningful Cash-to-Debt only.
WABC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 1.79 Max: 9.11
Current: 7.43
0.17
9.11
Equity-to-Asset 0.11
WABC's Equity-to-Asset is ranked higher than
60% of the 1591 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: 0.05  Med: 0.09 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 39.57
WABC's Interest Coverage is ranked higher than
93% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. WABC: 39.57 )
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: 39.57
1.66
37.79
WACC vs ROIC
7.81%
41.30%
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 : 4/10

vs
industry
vs
history
Operating Margin % 45.39
WABC's Operating Margin % is ranked higher than
78% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. WABC: 45.39 )
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: 45.39
40.25
54.79
Net Margin % 33.49
WABC's Net Margin % is ranked higher than
76% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. WABC: 33.49 )
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: 33.49
32.16
40.33
ROE % 10.63
WABC's ROE % is ranked higher than
65% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. WABC: 10.63 )
Ranked among companies with meaningful ROE % only.
WABC' s ROE % Range Over the Past 10 Years
Min: 10.76  Med: 14.69 Max: 26.54
Current: 10.63
10.76
26.54
ROA % 1.13
WABC's ROA % is ranked higher than
65% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. WABC: 1.13 )
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: 1.13
1.12
2.78
3-Year Revenue Growth Rate -3.30
WABC's 3-Year Revenue Growth Rate is ranked lower than
81% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 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: -11.9  Med: 1.3 Max: 16.1
Current: -3.3
-11.9
16.1
3-Year EBITDA Growth Rate 0.10
WABC's 3-Year EBITDA Growth Rate is ranked lower than
70% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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: -18.2  Med: 6.2 Max: 51.2
Current: 0.1
-18.2
51.2
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 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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: 7 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

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
Q1 2017

WABC Guru Trades in Q1 2017

Ken Fisher 15,917 sh (unchged)
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:UBSH, NAS:WSFS, NAS:BANF, AMEX:PRK, NAS:NBTB, NAS:FRME, NAS:BPFH, NAS:BNCN, NAS:WSBC, NAS:HTLF, NAS:CSFL, NAS:FFBC, NAS:ABCB, NYSE:BHLB, NAS:SFNC, NAS:SRCE, NAS:INDB, NAS:RNST, NAS:FIBK, NYSE:YDKN » details
Traded in other countries:WB1.Germany,
Headquarter Location:USA
Westamerica Bancorp provides full range of banking services to individual and corporate customers through its subsidiary Westamerica Bank. It offers personal banking services such as online services, savings account, trust services, and order checks.

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 23.82
WABC's PE Ratio is ranked lower than
83% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. WABC: 23.82 )
Ranked among companies with meaningful PE Ratio only.
WABC' s PE Ratio Range Over the Past 10 Years
Min: 11.73  Med: 16.88 Max: 29.52
Current: 23.82
11.73
29.52
PE Ratio without NRI 23.82
WABC's PE Ratio without NRI is ranked lower than
83% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. WABC: 23.82 )
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: 16.88 Max: 29.52
Current: 23.82
11.73
29.52
Price-to-Owner-Earnings 18.11
WABC's Price-to-Owner-Earnings is ranked lower than
67% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. WABC: 18.11 )
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: 14.9 Max: 48.51
Current: 18.11
8.44
48.51
PB Ratio 2.47
WABC's PB Ratio is ranked lower than
92% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WABC: 2.47 )
Ranked among companies with meaningful PB Ratio only.
WABC' s PB Ratio Range Over the Past 10 Years
Min: 1.92  Med: 2.61 Max: 4.44
Current: 2.47
1.92
4.44
PS Ratio 7.89
WABC's PS Ratio is ranked lower than
92% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. WABC: 7.89 )
Ranked among companies with meaningful PS Ratio only.
WABC' s PS Ratio Range Over the Past 10 Years
Min: 4.05  Med: 6.22 Max: 9.42
Current: 7.89
4.05
9.42
Price-to-Free-Cash-Flow 18.59
WABC's Price-to-Free-Cash-Flow is ranked lower than
76% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. WABC: 18.59 )
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: 14.43 Max: 22.52
Current: 18.59
7.87
22.52
Price-to-Operating-Cash-Flow 18.15
WABC's Price-to-Operating-Cash-Flow is ranked lower than
81% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. WABC: 18.15 )
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: 18.15
7.8
21.97
EV-to-EBIT 12.89
WABC's EV-to-EBIT is ranked lower than
52% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. WABC: 12.89 )
Ranked among companies with meaningful EV-to-EBIT only.
WABC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 11.6 Max: 30.8
Current: 12.89
6.2
30.8
EV-to-EBITDA 10.69
WABC's EV-to-EBITDA is ranked higher than
52% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. WABC: 10.69 )
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: 10.69
5.6
26.9
Shiller PE Ratio 17.70
WABC's Shiller PE Ratio is ranked higher than
62% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. WABC: 17.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
WABC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.76  Med: 15.3 Max: 21.01
Current: 17.7
10.76
21.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.84
WABC's Dividend Yield % is ranked higher than
52% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. WABC: 2.84 )
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: 2.84
2.25
4.1
Dividend Payout Ratio 0.68
WABC's Dividend Payout Ratio is ranked lower than
76% of the 1315 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 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 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: 9.1 Max: 30.5
Current: 1.5
1.1
30.5
Forward Dividend Yield % 2.84
WABC's Forward Dividend Yield % is ranked lower than
52% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. WABC: 2.84 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.03
WABC's 5-Year Yield-on-Cost % is ranked lower than
55% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. WABC: 3.03 )
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: 3.03
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 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -20.9  Med: 1.6 Max: 5.4
Current: 1.1
-20.9
5.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.16
WABC's Price-to-Tangible-Book is ranked lower than
94% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. WABC: 3.16 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WABC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.05  Med: 3.65 Max: 5.9
Current: 3.16
1.05
5.9
Price-to-Intrinsic-Value-Projected-FCF 1.08
WABC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
78% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. WABC: 1.08 )
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: 2.13
Current: 1.08
0.77
2.13
Price-to-Median-PS-Value 1.27
WABC's Price-to-Median-PS-Value is ranked lower than
65% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 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: 0.18  Med: 0.98 Max: 1.45
Current: 1.27
0.18
1.45
Price-to-Graham-Number 1.87
WABC's Price-to-Graham-Number is ranked lower than
93% of the 1364 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: 0.6  Med: 1.7 Max: 2.46
Current: 1.87
0.6
2.46
Earnings Yield (Greenblatt) % 7.76
WABC's Earnings Yield (Greenblatt) % is ranked higher than
60% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. WABC: 7.76 )
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: 7.76
3.2
16.1
Forward Rate of Return (Yacktman) % 0.98
WABC's Forward Rate of Return (Yacktman) % is ranked lower than
79% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. WABC: 0.98 )
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: 8.25 Max: 14.2
Current: 0.98
-1.9
14.2

More Statistics

Revenue (TTM) (Mil) $178.2
EPS (TTM) $ 2.31
Beta0.95
Short Percentage of Float13.66%
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
Westamerica Bancorporation Declares Quarterly Cash Dividend Apr 27 2017 
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 

More From Other Websites
Westamerica Bancorporation Declares Quarterly Cash Dividend Apr 27 2017
Westamerica Bancorp breached its 50 day moving average in a Bullish Manner : WABC-US : April 21,... Apr 21 2017
Westamerica posts 1Q profit Apr 21 2017
Westamerica Bancorporation Reports First Quarter 2017 Financial Results Apr 20 2017
Westamerica Bancorp breached its 50 day moving average in a Bearish Manner : WABC-US : March 3, 2017 Mar 03 2017
Westamerica Bancorp :WABC-US: Earnings Analysis: Q4, 2016 By the Numbers : January 23, 2017 Jan 23 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 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
Westamerica Bancorp : WABC-US: Dividend Analysis : August 08th, 2016 (record date) : By the numbers... Oct 18 2016

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