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 8.36
NAS:WABC's Cash to Debt is ranked higher than
67% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:WABC: 8.36 )
Ranked among companies with meaningful Cash to Debt only.
NAS:WABC' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.62 Max: 8.98
Current: 8.36
0.17
8.98
Equity to Asset 0.11
NAS:WABC's Equity to Asset is ranked higher than
59% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:WABC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NAS:WABC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 36.44
NAS:WABC's Interest Coverage is ranked higher than
93% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:WABC: 36.44 )
Ranked among companies with meaningful Interest Coverage only.
NAS:WABC' s Interest Coverage Range Over the Past 10 Years
Min: 1.66  Med: 12.33 Max: 36.44
Current: 36.44
1.66
36.44
F-Score: 4
WACC vs ROIC
9.08%
31.80%
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 (%) 44.39
NAS:WABC's Operating margin (%) is ranked higher than
77% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:WABC: 44.39 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:WABC' s Operating margin (%) Range Over the Past 10 Years
Min: 40.25  Med: 45.97 Max: 56.82
Current: 44.39
40.25
56.82
Net-margin (%) 32.97
NAS:WABC's Net-margin (%) is ranked higher than
76% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:WABC: 32.97 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:WABC' s Net-margin (%) Range Over the Past 10 Years
Min: 32.16  Med: 34.56 Max: 41.76
Current: 32.97
32.16
41.76
ROE (%) 10.82
NAS:WABC's ROE (%) is ranked higher than
67% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:WABC: 10.82 )
Ranked among companies with meaningful ROE (%) only.
NAS:WABC' s ROE (%) Range Over the Past 10 Years
Min: 10.82  Med: 15.4 Max: 26.54
Current: 10.82
10.82
26.54
ROA (%) 1.14
NAS:WABC's ROA (%) is ranked higher than
67% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:WABC: 1.14 )
Ranked among companies with meaningful ROA (%) only.
NAS:WABC' s ROA (%) Range Over the Past 10 Years
Min: 1.14  Med: 1.69 Max: 2.78
Current: 1.14
1.14
2.78
Revenue Growth (3Y)(%) -5.60
NAS:WABC's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:WABC: -5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:WABC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.4  Med: 3.9 Max: 15.2
Current: -5.6
-9.4
15.2
EBITDA Growth (3Y)(%) -5.80
NAS:WABC's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:WABC: -5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:WABC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -17  Med: 4.9 Max: 21.9
Current: -5.8
-17
21.9
EPS Growth (3Y)(%) -7.80
NAS:WABC's EPS Growth (3Y)(%) is ranked lower than
82% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:WABC: -7.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:WABC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.1  Med: 6.7 Max: 25.2
Current: -7.8
-14.1
25.2
» NAS:WABC's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-21)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

WABC Guru Trades in Q4 2015

Mairs and Power 5,359 sh (unchged)
Ken Fisher 18,517 sh (unchged)
Jim Simons 62,622 sh (-22.16%)
» More
Q1 2016

WABC Guru Trades in Q1 2016

Jim Simons 162,000 sh (+158.70%)
Ken Fisher 18,517 sh (unchged)
Mairs and Power 5,359 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
» 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:BNCN, NAS:CBF, NAS:ABCB, NAS:SFNC, NAS:FFBC, NYSE:YDKN, NAS:FIBK, NAS:UBSH, NAS:NBTB, NAS:RNST, NAS:BANR, AMEX:PRK, NYSE:FBP, NAS:WSBC, NAS:FRME, NAS:INDB, NAS:WSFS, NAS:BNCL, AMEX:TMP, NAS:BANF » 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 Bancorp was incorporated under the laws of the State of California in 1972. The Company acts as a holding company for Westamerica Bank which provides banking services to individual and business customers in California. The bank offers deposit services such as: money market savings, checking accounts, non interest demand account deposits, and transaction, savings, and time accounts. Its portfolio of loans includes commercial and residential real estate, commercial and residential real estate construction loans. The communities served are located in Northern and Central California, from Mendocino, Lake and Nevada Counties in the north to Kern County in the south. The Banks competitors includes banks, smaller community banks, savings and loan associations and credit unions, thrift and loans, mortgage brokerage companies and insurance companies. Other institutions, such as brokerage houses, mutual fund companies, credit card companies, and certain retail establishments have offered investment vehicles which also compete with banks for deposit business. The Company is a bank holding company subject to the BHCA.

Ratios

vs
industry
vs
history
P/E(ttm) 28.02
WABC's P/E(ttm) is ranked lower than
87% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. WABC: 28.02 )
Ranked among companies with meaningful P/E(ttm) only.
WABC' s P/E(ttm) Range Over the Past 10 Years
Min: 11.73  Med: 16.63 Max: 29.52
Current: 28.02
11.73
29.52
PE(NRI) 28.02
WABC's PE(NRI) is ranked lower than
87% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. WABC: 28.02 )
Ranked among companies with meaningful PE(NRI) only.
WABC' s PE(NRI) Range Over the Past 10 Years
Min: 11.73  Med: 16.63 Max: 29.52
Current: 28.02
11.73
29.52
Price/Owner Earnings (ttm) 23.47
WABC's Price/Owner Earnings (ttm) is ranked lower than
78% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. WABC: 23.47 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WABC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.44  Med: 14.84 Max: 48.51
Current: 23.47
8.44
48.51
P/B 2.93
WABC's P/B is ranked lower than
94% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. WABC: 2.93 )
Ranked among companies with meaningful P/B only.
WABC' s P/B Range Over the Past 10 Years
Min: 1.92  Med: 2.65 Max: 4.44
Current: 2.93
1.92
4.44
P/S 9.24
WABC's P/S is ranked lower than
93% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. WABC: 9.24 )
Ranked among companies with meaningful P/S only.
WABC' s P/S Range Over the Past 10 Years
Min: 4.05  Med: 6.23 Max: 9.42
Current: 9.24
4.05
9.42
PFCF 23.68
WABC's PFCF is ranked lower than
79% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. WABC: 23.68 )
Ranked among companies with meaningful PFCF only.
WABC' s PFCF Range Over the Past 10 Years
Min: 7.87  Med: 14.67 Max: 55.87
Current: 23.68
7.87
55.87
POCF 23.11
WABC's POCF is ranked lower than
85% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. WABC: 23.11 )
Ranked among companies with meaningful POCF only.
WABC' s POCF Range Over the Past 10 Years
Min: 7.8  Med: 14.02 Max: 23.11
Current: 23.11
7.8
23.11
EV-to-EBIT 15.74
WABC's EV-to-EBIT is ranked lower than
59% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. WABC: 15.74 )
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: 15.74
6.2
30.8
EV-to-EBITDA 12.76
WABC's EV-to-EBITDA is ranked lower than
54% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. WABC: 12.76 )
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: 12.76
5.6
26.9
Shiller P/E 20.81
WABC's Shiller P/E is ranked higher than
51% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. WABC: 20.81 )
Ranked among companies with meaningful Shiller P/E only.
WABC' s Shiller P/E Range Over the Past 10 Years
Min: 10.76  Med: 15.11 Max: 20.81
Current: 20.81
10.76
20.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.39
WABC's Dividend Yield is ranked lower than
55% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. WABC: 2.39 )
Ranked among companies with meaningful Dividend Yield only.
WABC' s Dividend Yield Range Over the Past 10 Years
Min: 2.22  Med: 2.94 Max: 4.1
Current: 2.39
2.22
4.1
Dividend Payout 0.68
WABC's Dividend Payout is ranked lower than
52% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WABC: 0.68 )
Ranked among companies with meaningful Dividend Payout only.
WABC' s Dividend Payout Range Over the Past 10 Years
Min: 0.2  Med: 0.43 Max: 1.24
Current: 0.68
0.2
1.24
Dividend Growth (3y) 1.10
WABC's Dividend Growth (3y) is ranked lower than
75% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. WABC: 1.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WABC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1.1  Med: 7.3 Max: 30.5
Current: 1.1
1.1
30.5
Forward Dividend Yield 2.39
WABC's Forward Dividend Yield is ranked lower than
58% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. WABC: 2.39 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.55
WABC's Yield on cost (5-Year) is ranked lower than
63% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. WABC: 2.55 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WABC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.37  Med: 3.14 Max: 4.37
Current: 2.55
2.37
4.37
3-Year Average Share Buyback Ratio 2.10
WABC's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. WABC: 2.10 )
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: -9.5  Med: 2.6 Max: 5.4
Current: 2.1
-9.5
5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.87
WABC's Price/Tangible Book is ranked lower than
96% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. WABC: 3.87 )
Ranked among companies with meaningful Price/Tangible Book only.
WABC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.44  Med: 3.95 Max: 17.51
Current: 3.87
1.44
17.51
Price/Projected FCF 1.28
WABC's Price/Projected FCF is ranked lower than
82% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. WABC: 1.28 )
Ranked among companies with meaningful Price/Projected FCF only.
WABC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.7  Med: 1.06 Max: 1.87
Current: 1.28
0.7
1.87
Price/Median PS Value 1.50
WABC's Price/Median PS Value is ranked lower than
78% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WABC: 1.50 )
Ranked among companies with meaningful Price/Median PS Value only.
WABC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1 Max: 1.5
Current: 1.5
0.48
1.5
Price/Graham Number 2.21
WABC's Price/Graham Number is ranked lower than
95% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. WABC: 2.21 )
Ranked among companies with meaningful Price/Graham Number only.
WABC' s Price/Graham Number Range Over the Past 10 Years
Min: 1.06  Med: 1.76 Max: 4.64
Current: 2.21
1.06
4.64
Earnings Yield (Greenblatt) (%) 6.41
WABC's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. WABC: 6.41 )
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: 6.41
3.2
16.1
Forward Rate of Return (Yacktman) (%) -0.55
WABC's Forward Rate of Return (Yacktman) (%) is ranked lower than
79% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. WABC: -0.55 )
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: 8.05 Max: 14.2
Current: -0.55
-1.9
14.2

More Statistics

Revenue (TTM) (Mil) $178.9
EPS (TTM) $ 2.31
Beta0.94
Short Percentage of Float17.53%
52-Week Range $40.52 - 65.34
Shares Outstanding (Mil)25.63

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.30 2.35
EPS w/o NRI ($) 2.30 2.35
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS: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
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
WESTAMERICA BANCORPORATION Financials Nov 10 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 BANCORPORATION Files SEC form 10-Q, Quarterly Report Nov 02 2016
Westamerica Bancorporation declares quarterly cash dividend Oct 27 2016
WESTAMERICA BANCORPORATION Files SEC form 8-K, Other Events Oct 27 2016
Westamerica Bancorporation Declares Quarterly Cash Dividend Oct 27 2016
Westamerica Bancorporation reports third quarter 2016 financial results Oct 20 2016
Westamerica posts 3Q profit Oct 20 2016
Westamerica posts 3Q profit Oct 20 2016
WESTAMERICA BANCORPORATION Files SEC form 8-K, Results of Operations and Financial Condition Oct 20 2016
Westamerica Bancorporation Reports Third Quarter 2016 Financial Results Oct 20 2016
Q3 2016 Westamerica Bancorp Earnings Release - 11:30 am ET Oct 20 2016
Westamerica Bancorp : WABC-US: Dividend Analysis : August 08th, 2016 (record date) : By the numbers... Oct 18 2016
Westamerica Bancorp breached its 50 day moving average in a Bearish Manner : WABC-US : October 14,... Oct 14 2016
Westamerica Bancorp breached its 50 day moving average in a Bearish Manner : WABC-US : September 15,... Sep 15 2016
Westamerica's Revenue Woes Continue to Hurt Profitability Aug 24 2016
ETF’s with exposure to Westamerica Bancorp : August 22, 2016 Aug 22 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)