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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 0.38
WTBA's Cash to Debt is ranked lower than
73% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. WTBA: 0.38 )
Ranked among companies with meaningful Cash to Debt only.
WTBA' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.29 Max: N/A
Current: 0.38
Equity to Asset 0.09
WTBA's Equity to Asset is ranked lower than
60% of the 1578 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: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 5.25
WTBA's Interest Coverage is ranked higher than
81% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. WTBA: 5.25 )
Ranked among companies with meaningful Interest Coverage only.
WTBA' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 1.17 Max: 4.34
Current: 5.25
0.29
4.34
F-Score: 6
WACC vs ROIC
7.15%
8.37%
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 (%) 50.42
WTBA's Operating margin (%) is ranked higher than
85% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. WTBA: 50.42 )
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: 59.07
Current: 50.42
-24.81
59.07
Net-margin (%) 34.87
WTBA's Net-margin (%) is ranked higher than
80% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. WTBA: 34.87 )
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: 40.24
Current: 34.87
-29.24
40.24
ROE (%) 14.87
WTBA's ROE (%) is ranked higher than
84% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. WTBA: 14.87 )
Ranked among companies with meaningful ROE (%) only.
WTBA' s ROE (%) Range Over the Past 10 Years
Min: -11.93  Med: 12.75 Max: 19.86
Current: 14.87
-11.93
19.86
ROA (%) 1.29
WTBA's ROA (%) is ranked higher than
76% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. WTBA: 1.29 )
Ranked among companies with meaningful ROA (%) only.
WTBA' s ROA (%) Range Over the Past 10 Years
Min: -0.93  Med: 1.19 Max: 1.68
Current: 1.29
-0.93
1.68
Revenue Growth (3Y)(%) 8.30
WTBA's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. WTBA: 8.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WTBA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.2  Med: 4.55 Max: 82.2
Current: 8.3
-3.2
82.2
EBITDA Growth (3Y)(%) 10.60
WTBA's EBITDA Growth (3Y)(%) is ranked higher than
63% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. WTBA: 10.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WTBA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.9  Med: 4.10 Max: 33.9
Current: 10.6
-28.9
33.9
EPS Growth (3Y)(%) 19.10
WTBA's EPS Growth (3Y)(%) is ranked higher than
75% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. WTBA: 19.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WTBA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.3  Med: 6.30 Max: 20.8
Current: 19.1
-28.3
20.8
» WTBA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

WTBA Guru Trades in Q4 2014

Jim Simons 106,800 sh (+0.03%)
» More
Q1 2015

WTBA Guru Trades in Q1 2015

Jim Simons 116,000 sh (+8.61%)
» More
Q2 2015

WTBA Guru Trades in Q2 2015

Jim Simons 134,465 sh (+15.92%)
» More
Q3 2015

WTBA Guru Trades in Q3 2015

Jim Simons 166,700 sh (+23.97%)
» 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%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.20
WTBA's P/E(ttm) is ranked lower than
59% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. WTBA: 13.20 )
Ranked among companies with meaningful P/E(ttm) only.
WTBA' s P/E(ttm) Range Over the Past 10 Years
Min: 9.43  Med: 13.80 Max: 27.84
Current: 13.2
9.43
27.84
Forward P/E 13.46
WTBA's Forward P/E is ranked lower than
86% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. WTBA: 13.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.20
WTBA's PE(NRI) is ranked lower than
54% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. WTBA: 13.20 )
Ranked among companies with meaningful PE(NRI) only.
WTBA' s PE(NRI) Range Over the Past 10 Years
Min: 9.43  Med: 13.78 Max: 29.17
Current: 13.2
9.43
29.17
P/B 1.88
WTBA's P/B is ranked lower than
88% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. WTBA: 1.88 )
Ranked among companies with meaningful P/B only.
WTBA' s P/B Range Over the Past 10 Years
Min: 0.78  Med: 1.80 Max: 3.26
Current: 1.88
0.78
3.26
P/S 4.66
WTBA's P/S is ranked lower than
84% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. WTBA: 4.66 )
Ranked among companies with meaningful P/S only.
WTBA' s P/S Range Over the Past 10 Years
Min: 1.71  Med: 4.02 Max: 8.89
Current: 4.66
1.71
8.89
PFCF 11.95
WTBA's PFCF is ranked lower than
66% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. WTBA: 11.95 )
Ranked among companies with meaningful PFCF only.
WTBA' s PFCF Range Over the Past 10 Years
Min: 3.03  Med: 9.74 Max: 30.42
Current: 11.95
3.03
30.42
POCF 10.41
WTBA's POCF is ranked lower than
67% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. WTBA: 10.41 )
Ranked among companies with meaningful POCF only.
WTBA' s POCF Range Over the Past 10 Years
Min: 2.89  Med: 8.81 Max: 28.58
Current: 10.41
2.89
28.58
EV-to-EBIT 16.05
WTBA's EV-to-EBIT is ranked lower than
60% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. WTBA: 16.05 )
Ranked among companies with meaningful EV-to-EBIT only.
WTBA' s EV-to-EBIT Range Over the Past 10 Years
Min: -24.7  Med: 12.90 Max: 39.9
Current: 16.05
-24.7
39.9
EV-to-EBITDA 13.81
WTBA's EV-to-EBITDA is ranked lower than
59% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. WTBA: 13.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
WTBA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -28.6  Med: 11.30 Max: 35.3
Current: 13.81
-28.6
35.3
Shiller P/E 22.09
WTBA's Shiller P/E is ranked lower than
75% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. WTBA: 22.09 )
Ranked among companies with meaningful Shiller P/E only.
WTBA' s Shiller P/E Range Over the Past 10 Years
Min: 9.68  Med: 17.41 Max: 25.74
Current: 22.09
9.68
25.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.59
WTBA's Dividend Yield is ranked higher than
62% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. WTBA: 3.59 )
Ranked among companies with meaningful Dividend Yield only.
WTBA' s Dividend Yield Range Over the Past 10 Years
Min: 0.12  Med: 3.30 Max: 10.49
Current: 3.59
0.12
10.49
Dividend Payout 0.45
WTBA's Dividend Payout is ranked lower than
67% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. WTBA: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
WTBA' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.54 Max: 2
Current: 0.45
0.15
2
Dividend Growth (3y) 42.30
WTBA's Dividend Growth (3y) is ranked higher than
92% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. WTBA: 42.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WTBA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 2.05 Max: 63.6
Current: 42.3
0
63.6
Forward Dividend Yield 3.67
WTBA's Forward Dividend Yield is ranked higher than
62% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. WTBA: 3.67 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.59
WTBA's Yield on cost (5-Year) is ranked higher than
55% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. WTBA: 3.59 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WTBA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.12  Med: 3.30 Max: 10.49
Current: 3.59
0.12
10.49
3-Year Average Share Buyback Ratio 2.70
WTBA's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. WTBA: 2.70 )
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: -0.1  Med: 0.20 Max: 2.7
Current: 2.7
-0.1
2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.88
WTBA's Price/Tangible Book is ranked lower than
83% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. WTBA: 1.88 )
Ranked among companies with meaningful Price/Tangible Book only.
WTBA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.87  Med: 2.19 Max: 4.19
Current: 1.88
0.87
4.19
Price/Projected FCF 0.72
WTBA's Price/Projected FCF is ranked lower than
58% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WTBA: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
WTBA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.27  Med: 0.60 Max: 0.99
Current: 0.72
0.27
0.99
Price/Median PS Value 1.12
WTBA's Price/Median PS Value is ranked lower than
71% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. WTBA: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
WTBA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.41  Med: 1.11 Max: 3.34
Current: 1.12
0.41
3.34
Price/Peter Lynch Fair Value 1.13
WTBA's Price/Peter Lynch Fair Value is ranked lower than
67% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.24 vs. WTBA: 1.13 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WTBA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.7  Med: 1.18 Max: 2.78
Current: 1.13
0.7
2.78
Price/Graham Number 1.06
WTBA's Price/Graham Number is ranked lower than
69% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WTBA: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
WTBA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.68  Med: 1.21 Max: 1.76
Current: 1.06
0.68
1.76
Earnings Yield (Greenblatt) (%) 6.20
WTBA's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. WTBA: 6.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WTBA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 7.55 Max: 14
Current: 6.2
2.5
14
Forward Rate of Return (Yacktman) (%) 19.38
WTBA's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. WTBA: 19.38 )
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: 2  Med: 12.70 Max: 26.5
Current: 19.38
2
26.5

More Statistics

Revenue(Mil) $62
EPS $ 1.36
Beta1.06
Short Percentage of Float1.82%
52-Week Range $16.04 - 21.09
Shares Outstanding(Mil)16.06

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 

More From Other Websites
West Bancorp, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
Edited Transcript of WTBA earnings conference call or presentation 29-Jan-16 4:00pm GMT Jan 29 2016
West Bancorp posts 4Q profit Jan 28 2016
West Bancorp posts 4Q profit Jan 28 2016
West Bancorporation, Inc. Announces Record Net Income, Declares Quarterly Dividend Jan 28 2016
West Bancorporation, Inc. Announces Record Net Income, Declares Quarterly Dividend Jan 28 2016
WEST BANCORPORATION INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2016
Q4 2015 West Bancorporation Inc Earnings Release - Before Market Open Jan 28 2016
West Bancorporation, Inc. to Announce Quarterly Results, Hold Conference Call Dec 31 2015
West Bancorporation, Inc. to Announce Quarterly Results, Hold Conference Call Dec 31 2015
West Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : December 25, 2015 Dec 25 2015
WEST BANCORPORATION INC Financials Dec 08 2015
Edited Transcript of WTBA earnings conference call or presentation 30-Oct-15 7:00pm GMT Oct 30 2015
West Bancorp posts 3Q profit Oct 30 2015
West Bancorp posts 3Q profit Oct 30 2015
West Bancorporation, Inc. Announces Record Net Income, Declares Quarterly Dividend Oct 30 2015
WEST BANCORPORATION INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 30 2015
East West Bancorp meets 3Q profit forecasts Oct 21 2015
East West Bancorp meets 3Q profit forecasts Oct 21 2015
West Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : October 13, 2015 Oct 13 2015

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