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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 0.20
WTBA's Cash to Debt is ranked higher than
56% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. WTBA: 0.20 )
WTBA' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.2

Equity to Asset 0.09
WTBA's Equity to Asset is ranked higher than
68% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WTBA: 0.09 )
WTBA' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.09

0.08
0.12
Interest Coverage 3.43
WTBA's Interest Coverage is ranked higher than
85% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. WTBA: 3.43 )
WTBA' s 10-Year Interest Coverage Range
Min: 0.29   Max: 3.43
Current: 3.43

0.29
3.43
F-Score: 4
Z-Score: 0.33
WACC vs ROIC
8.83%
8.02%
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 (%) 46.55
WTBA's Operating margin (%) is ranked higher than
92% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. WTBA: 46.55 )
WTBA' s 10-Year Operating margin (%) Range
Min: -57.05   Max: 67.91
Current: 46.55

-57.05
67.91
Net-margin (%) 32.12
WTBA's Net-margin (%) is ranked higher than
89% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. WTBA: 32.12 )
WTBA' s 10-Year Net-margin (%) Range
Min: -29.24   Max: 209.9
Current: 32.12

-29.24
209.9
ROE (%) 14.44
WTBA's ROE (%) is ranked higher than
92% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. WTBA: 14.44 )
WTBA' s 10-Year ROE (%) Range
Min: -10.33   Max: 21
Current: 14.44

-10.33
21
ROA (%) 1.24
WTBA's ROA (%) is ranked higher than
89% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WTBA: 1.24 )
WTBA' s 10-Year ROA (%) Range
Min: -0.93   Max: 1.92
Current: 1.24

-0.93
1.92
ROC (Joel Greenblatt) (%) 271.91
WTBA's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. WTBA: 271.91 )
WTBA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.91   Max: 4441.85
Current: 271.91

-249.91
4441.85
Revenue Growth (3Y)(%) 2.60
WTBA's Revenue Growth (3Y)(%) is ranked higher than
80% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. WTBA: 2.60 )
WTBA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.2   Max: 82.2
Current: 2.6

-3.2
82.2
EBITDA Growth (3Y)(%) 13.90
WTBA's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. WTBA: 13.90 )
WTBA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -28.9   Max: 33.9
Current: 13.9

-28.9
33.9
EPS Growth (3Y)(%) 16.80
WTBA's EPS Growth (3Y)(%) is ranked higher than
84% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. WTBA: 16.80 )
WTBA' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.3   Max: 20.8
Current: 16.8

-28.3
20.8
» WTBA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

WTBA Guru Trades in Q1 2014

Jim Simons 96,506 sh (+4.78%)
» More
Q2 2014

WTBA Guru Trades in Q2 2014

Jim Simons 98,465 sh (+2.03%)
» More
Q3 2014

WTBA Guru Trades in Q3 2014

Jim Simons 106,764 sh (+8.43%)
» More
Q4 2014

WTBA Guru Trades in Q4 2014

Jim Simons 106,800 sh (+0.03%)
» More
» Details

Insider Trades

Latest Guru Trades with WTBA

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



No Guru Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.00
WTBA's P/E(ttm) is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. WTBA: 15.00 )
WTBA' s 10-Year P/E(ttm) Range
Min: 9.4   Max: 27.78
Current: 15

9.4
27.78
Forward P/E 13.46
WTBA's Forward P/E is ranked higher than
81% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. WTBA: 13.46 )
N/A
PE(NRI) 14.90
WTBA's PE(NRI) is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. WTBA: 14.90 )
WTBA' s 10-Year PE(NRI) Range
Min: 9.43   Max: 27.84
Current: 14.9

9.43
27.84
P/B 2.00
WTBA's P/B is ranked higher than
63% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. WTBA: 2.00 )
WTBA' s 10-Year P/B Range
Min: 0.78   Max: 3.26
Current: 2

0.78
3.26
P/S 4.80
WTBA's P/S is ranked higher than
66% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. WTBA: 4.80 )
WTBA' s 10-Year P/S Range
Min: 1.71   Max: 13.37
Current: 4.8

1.71
13.37
PFCF 13.00
WTBA's PFCF is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WTBA: 13.00 )
WTBA' s 10-Year PFCF Range
Min: 3.03   Max: 30.41
Current: 13

3.03
30.41
POCF 10.89
WTBA's POCF is ranked higher than
82% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. WTBA: 10.89 )
WTBA' s 10-Year POCF Range
Min: 2.89   Max: 1780
Current: 10.89

2.89
1780
EV-to-EBIT 14.75
WTBA's EV-to-EBIT is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. WTBA: 14.75 )
WTBA' s 10-Year EV-to-EBIT Range
Min: -24.7   Max: 39.9
Current: 14.75

-24.7
39.9
Shiller P/E 30.20
WTBA's Shiller P/E is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WTBA: 30.20 )
WTBA' s 10-Year Shiller P/E Range
Min: 5.53   Max: 33.74
Current: 30.2

5.53
33.74
Days Sales Outstanding 28.85
WTBA's Days Sales Outstanding is ranked higher than
90% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WTBA: 28.85 )
WTBA' s 10-Year Days Sales Outstanding Range
Min: 25.54   Max: 57.52
Current: 28.85

25.54
57.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
WTBA's Dividend Yield is ranked higher than
64% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. WTBA: 3.00 )
WTBA' s 10-Year Dividend Yield Range
Min: 0.12   Max: 10.49
Current: 3

0.12
10.49
Dividend Payout 0.40
WTBA's Dividend Payout is ranked higher than
72% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. WTBA: 0.40 )
WTBA' s 10-Year Dividend Payout Range
Min: 0.28   Max: 2
Current: 0.4

0.28
2
Yield on cost (5-Year) 3.00
WTBA's Yield on cost (5-Year) is ranked higher than
63% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. WTBA: 3.00 )
WTBA' s 10-Year Yield on cost (5-Year) Range
Min: 0.12   Max: 10.49
Current: 3

0.12
10.49
Share Buyback Rate 1.50
WTBA's Share Buyback Rate is ranked higher than
94% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. WTBA: 1.50 )
WTBA' s 10-Year Share Buyback Rate Range
Min: 1.5   Max: -0.1
Current: 1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.04
WTBA's Price/Tangible Book is ranked higher than
66% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. WTBA: 2.04 )
WTBA' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 4.19
Current: 2.04

0.87
4.19
Price/DCF (Projected) 0.76
WTBA's Price/DCF (Projected) is ranked higher than
84% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. WTBA: 0.76 )
WTBA' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.89
Current: 0.76

0.27
0.89
Price/Median PS Value 1.16
WTBA's Price/Median PS Value is ranked higher than
76% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. WTBA: 1.16 )
WTBA' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 3.04
Current: 1.16

0.41
3.04
Price/Graham Number 1.16
WTBA's Price/Graham Number is ranked higher than
73% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. WTBA: 1.16 )
WTBA' s 10-Year Price/Graham Number Range
Min: 0.54   Max: 1.77
Current: 1.16

0.54
1.77
Earnings Yield (Greenblatt) 6.80
WTBA's Earnings Yield (Greenblatt) is ranked higher than
71% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. WTBA: 6.80 )
WTBA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 10.3
Current: 6.8

2.5
10.3
Forward Rate of Return (Yacktman) -3.36
WTBA's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. WTBA: -3.36 )
WTBA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2   Max: 26.5
Current: -3.36

2
26.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
West Bancorp 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.
» 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 

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