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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.30
WTBA's Cash to Debt is ranked lower than
83% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. WTBA: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
WTBA' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.31 Max: N/A
Current: 0.3
Equity to Asset 0.09
WTBA's Equity to Asset is ranked lower than
61% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WTBA: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
WTBA' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.09
0.08
0.11
Interest Coverage 4.18
WTBA's Interest Coverage is ranked higher than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. WTBA: 4.18 )
Ranked among companies with meaningful Interest Coverage only.
WTBA' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 2.41 Max: 5.25
Current: 4.18
0.29
5.25
F-Score: 3
M-Score: -2.37
WACC vs ROIC
7.36%
8.83%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 50.62
WTBA's Operating margin (%) is ranked higher than
85% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. WTBA: 50.62 )
Ranked among companies with meaningful Operating margin (%) only.
WTBA' s Operating margin (%) Range Over the Past 10 Years
Min: -24.81  Med: 44.22 Max: 50.62
Current: 50.62
-24.81
50.62
Net-margin (%) 35.35
WTBA's Net-margin (%) is ranked higher than
80% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. WTBA: 35.35 )
Ranked among companies with meaningful Net-margin (%) only.
WTBA' s Net-margin (%) Range Over the Past 10 Years
Min: -29.24  Med: 30.97 Max: 35.35
Current: 35.35
-29.24
35.35
ROE (%) 14.38
WTBA's ROE (%) is ranked higher than
80% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. WTBA: 14.38 )
Ranked among companies with meaningful ROE (%) only.
WTBA' s ROE (%) Range Over the Past 10 Years
Min: -11.93  Med: 12.75 Max: 16.07
Current: 14.38
-11.93
16.07
ROA (%) 1.28
WTBA's ROA (%) is ranked higher than
73% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. WTBA: 1.28 )
Ranked among companies with meaningful ROA (%) only.
WTBA' s ROA (%) Range Over the Past 10 Years
Min: -0.93  Med: 1.19 Max: 1.45
Current: 1.28
-0.93
1.45
Revenue Growth (3Y)(%) 7.20
WTBA's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. WTBA: 7.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WTBA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.1  Med: 6.5 Max: 82.8
Current: 7.2
-3.1
82.8
EBITDA Growth (3Y)(%) 4.30
WTBA's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. WTBA: 4.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WTBA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.9  Med: 4.3 Max: 33.9
Current: 4.3
-28.9
33.9
EPS Growth (3Y)(%) 11.70
WTBA's EPS Growth (3Y)(%) is ranked higher than
63% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. WTBA: 11.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WTBA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.3  Med: 6.9 Max: 20.8
Current: 11.7
-28.3
20.8
GuruFocus has detected 6 Warning Signs with West Bancorp Inc $WTBA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WTBA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

WTBA Guru Trades in Q1 2016

Jim Simons 187,900 sh (-1.67%)
» More
Q2 2016

WTBA Guru Trades in Q2 2016

Jim Simons 194,490 sh (+3.51%)
» More
Q3 2016

WTBA Guru Trades in Q3 2016

Jim Simons 200,483 sh (+3.08%)
» More
Q4 2016

WTBA Guru Trades in Q4 2016

Jim Simons 234,700 sh (+17.07%)
» More
» Details

Insider Trades

Latest Guru Trades with WTBA

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CCNE, NAS:WFBI, NAS:FMNB, NAS:CCBG, NAS:FBNK, NAS:MBVT, NAS:EQBK, NAS:BSRR, NAS:CNBKA, NAS:MCBC, NAS:FMBH, NAS:MOFG, NAS:PFIS, NAS:NCOM, NAS:NCBS, NAS:OSBC, NAS:BMRC, NAS:AMNB, NAS:OLBK, OTCPK:SBFC » details
West Bancorp is a holding company for West Bank. It provides commercial banking services, including checking accounts, savings accounts, money market accounts, and time certificates of deposit.

West Bancorp Inc was organized in 1984. The Company operates as the holding company for West Bank that provides full-service community banking products and services to customers located primarily in the Des Moines and Iowa City, Iowa and the Rochester, Minnesota metropolitan areas. It offers trust services found in a commercial bank with trust powers, including the administration of estates, conservatorships, personal trusts, and agency accounts. It also originates residential mortgages that are primarily sold in the secondary market. The Companys loan portfolio includes commercial real estate loans, construction or land development loans, commercial lines of credit, and commercial term loans, as well as consumer loans. The Companys commercial borrower is a small or medium-sized privately-owned Iowa business person or entity. Its commercial loans consist of loans to businesses for various purposes, including revolving lines to finance operations, inventory and accounts receivable, and capital expenditure loans to finance equipment, and other fixed assets. The Company's real estate loans include various loans on commercial properties, and single and multifamily residences. Its majority of construction loans are to contractors and developers for construction of commercial buildings or residential real estate. The Company's consumer loans include loans extended to individuals for household, family, and other personal expenditures not secured by real estate. The majority of its consumer lending is for vehicles, consolidation of personal debts, and household improvements. The Company and West Bank are subject to extensive federal and state regulation and supervision.

Ratios

vs
industry
vs
history
PE Ratio 16.09
WTBA's PE Ratio is ranked lower than
58% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. WTBA: 16.09 )
Ranked among companies with meaningful PE Ratio only.
WTBA' s PE Ratio Range Over the Past 10 Years
Min: 9.43  Med: 13.59 Max: 27.84
Current: 16.09
9.43
27.84
PE Ratio without NRI 16.09
WTBA's PE Ratio without NRI is ranked lower than
57% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. WTBA: 16.09 )
Ranked among companies with meaningful PE Ratio without NRI only.
WTBA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.43  Med: 13.56 Max: 29.17
Current: 16.09
9.43
29.17
Price-to-Owner-Earnings 18.99
WTBA's Price-to-Owner-Earnings is ranked lower than
64% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. WTBA: 18.99 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WTBA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.88  Med: 11.61 Max: 38.77
Current: 18.99
4.88
38.77
PB Ratio 2.23
WTBA's PB Ratio is ranked lower than
87% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. WTBA: 2.23 )
Ranked among companies with meaningful PB Ratio only.
WTBA' s PB Ratio Range Over the Past 10 Years
Min: 0.78  Med: 1.8 Max: 3.14
Current: 2.23
0.78
3.14
PS Ratio 5.68
WTBA's PS Ratio is ranked lower than
83% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. WTBA: 5.68 )
Ranked among companies with meaningful PS Ratio only.
WTBA' s PS Ratio Range Over the Past 10 Years
Min: 1.72  Med: 4.18 Max: 12.81
Current: 5.68
1.72
12.81
Price-to-Free-Cash-Flow 30.75
WTBA's Price-to-Free-Cash-Flow is ranked lower than
84% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. WTBA: 30.75 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WTBA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.02  Med: 9.67 Max: 9490
Current: 30.75
3.02
9490
Price-to-Operating-Cash-Flow 16.61
WTBA's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. WTBA: 16.61 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WTBA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.89  Med: 9.05 Max: 632.67
Current: 16.61
2.89
632.67
EV-to-EBIT 14.06
WTBA's EV-to-EBIT is ranked lower than
56% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. WTBA: 14.06 )
Ranked among companies with meaningful EV-to-EBIT only.
WTBA' s EV-to-EBIT Range Over the Past 10 Years
Min: -24.7  Med: 13.3 Max: 39.9
Current: 14.06
-24.7
39.9
EV-to-EBITDA 13.76
WTBA's EV-to-EBITDA is ranked lower than
59% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. WTBA: 13.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
WTBA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -28.6  Med: 11.5 Max: 35.3
Current: 13.76
-28.6
35.3
PEG Ratio 1.92
WTBA's PEG Ratio is ranked lower than
60% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. WTBA: 1.92 )
Ranked among companies with meaningful PEG Ratio only.
WTBA' s PEG Ratio Range Over the Past 10 Years
Min: 1.02  Med: 1.23 Max: 22.63
Current: 1.92
1.02
22.63
Shiller PE Ratio 27.70
WTBA's Shiller PE Ratio is ranked lower than
69% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. WTBA: 27.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
WTBA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.89  Med: 18.67 Max: 30.24
Current: 27.7
10.89
30.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.99
WTBA's Dividend Yield % is ranked higher than
55% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. WTBA: 2.99 )
Ranked among companies with meaningful Dividend Yield % only.
WTBA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.12  Med: 3.28 Max: 10.49
Current: 2.99
0.12
10.49
Dividend Payout Ratio 0.46
WTBA's Dividend Payout Ratio is ranked lower than
70% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WTBA: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WTBA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.44 Max: 1.52
Current: 0.46
0.23
1.52
3-Year Dividend Growth Rate 16.80
WTBA's 3-Year Dividend Growth Rate is ranked higher than
71% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. WTBA: 16.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
WTBA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.65 Max: 58.7
Current: 16.8
0
58.7
Forward Dividend Yield % 2.98
WTBA's Forward Dividend Yield % is ranked higher than
52% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. WTBA: 2.98 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 10.27
WTBA's 5-Year Yield-on-Cost % is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. WTBA: 10.27 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WTBA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.41  Med: 11.27 Max: 36.04
Current: 10.27
0.41
36.04
3-Year Average Share Buyback Ratio -0.30
WTBA's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. WTBA: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WTBA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.3  Med: 0.3 Max: 2.8
Current: -0.3
-0.3
2.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.23
WTBA's Price-to-Tangible-Book is ranked lower than
82% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. WTBA: 2.23 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WTBA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.87  Med: 2.4 Max: 4.04
Current: 2.23
0.87
4.04
Price-to-Intrinsic-Value-Projected-FCF 0.94
WTBA's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. WTBA: 0.94 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WTBA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.79 Max: 1.02
Current: 0.94
0.34
1.02
Price-to-Median-PS-Value 1.36
WTBA's Price-to-Median-PS-Value is ranked lower than
69% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. WTBA: 1.36 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WTBA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.41  Med: 1.17 Max: 3.03
Current: 1.36
0.41
3.03
Price-to-Peter-Lynch-Fair-Value 1.53
WTBA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
64% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WTBA: 1.53 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
WTBA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.3  Med: 1.65 Max: 2.18
Current: 1.53
1.3
2.18
Price-to-Graham-Number 1.26
WTBA's Price-to-Graham-Number is ranked lower than
72% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. WTBA: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WTBA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.81  Med: 1.19 Max: 1.67
Current: 1.26
0.81
1.67
Earnings Yield (Greenblatt) % 7.15
WTBA's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. WTBA: 7.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WTBA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.5  Med: 7.4 Max: 10.3
Current: 7.15
2.5
10.3
Forward Rate of Return (Yacktman) % 16.09
WTBA's Forward Rate of Return (Yacktman) % is ranked higher than
64% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. WTBA: 16.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
WTBA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.4  Med: 13.85 Max: 26.5
Current: 16.09
-1.4
26.5

More Statistics

Revenue (TTM) (Mil) $65.10
EPS (TTM) $ 1.42
Beta0.83
Short Percentage of Float0.39%
52-Week Range $17.08 - 25.05
Shares Outstanding (Mil)16.14
» More Articles for WTBA

Headlines

Articles On GuruFocus.com
West Ban Corp. Reports Operating Results (10-Q) Oct 29 2010 
West Ban Corp. (WTBA) CEO David D Nelson buys 2,000 Shares Sep 09 2010 
West Ban Corp. (WTBA) CEO David D Nelson buys 1,000 Shares Aug 06 2010 
West Ban Corp. Reports Operating Results (10-Q) Jul 30 2010 
West Ban Corp. (WTBA) CEO David D Nelson buys 1,000 Shares May 18 2010 
West Ban Corp. (WTBA) CFO Douglas R Gulling buys 5,000 Shares Nov 30 2009 

More From Other Websites
ETFs with exposure to West Bancorp, Inc. : February 2, 2017 Feb 02 2017
West Bancorp, Inc. :WTBA-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
West Bancorp, Inc. :WTBA-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
West Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : WTBA-US : January 31,... Jan 31 2017
Edited Transcript of WTBA earnings conference call or presentation 27-Jan-17 4:00pm GMT Jan 27 2017
West Bancorp posts 4Q profit Jan 26 2017
West Bancorp posts 4Q profit Jan 26 2017
West Bancorporation, Inc. Announces Record Net Income, Declares Quarterly Dividend Jan 26 2017
WEST BANCORPORATION INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 26 2017
Q4 2016 West Bancorporation Inc Earnings Release - Before Market Open Jan 26 2017
West Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : WTBA-US : January 20,... Jan 20 2017
West Bancorp, Inc. : WTBA-US: Dividend Analysis : November 09th, 2016 (record date) : By the numbers... Jan 06 2017
West Bancorporation, Inc. to Announce Quarterly Results, Hold Conference Call Dec 23 2016
West Bancorporation, Inc. to Announce Quarterly Results, Hold Conference Call Dec 23 2016
ETF’s with exposure to West Bancorp, Inc. : November 11, 2016 Nov 11 2016
West Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : WTBA-US : November 10,... Nov 10 2016
WEST BANCORPORATION INC Financials Nov 02 2016
Edited Transcript of WTBA earnings conference call or presentation 28-Oct-16 3:00pm GMT Oct 28 2016
West Bancorp, Inc. :WTBA-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28, 2016 Oct 28 2016
West Bancorporation, Inc. Announces Record Third Quarter Net Income, Declares Quarterly Dividend Oct 27 2016

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