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Westamerica BancorpWABC +0.28%65 EV-to-OCF is 9.28 as of Aug. 04, 2026, which is 5% below its 10-year median of 9.81. GuruFocus rates WABC with a GF Score™ of 65/100 and a GF Value™ of $45.80 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,499 Banks companies, Westamerica Bancorp ranks worse than 67.44% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Westamerica Bancorp's Enterprise Value is $1,106.6 Mil.
Westamerica Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $119.2 Mil. Therefore, Westamerica Bancorp's EV-to-OCF for today is 9.28.
The historical rank and industry rank for Westamerica Bancorp's EV-to-OCF or its related term are showing as below:
WABC'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.47 Med: 9.81 Max: 18.38
Current: 9.28
During the past 13 years, the highest EV-to-OCF of Westamerica Bancorp was 18.38. The lowest was 3.47. And the median was 9.81.
WABC's EV-to-OCF is ranked worse than 67.44% of 1499
companies
in the Banks industry
Industry Median: 3.98
vs WABC: 9.28
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Westamerica Bancorp's PE Ratio (TTM) for today is calculated as:
Westamerica Bancorp's share price for today is $60.32.
Westamerica Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.540.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Westamerica Bancorp EV-to-OCF Related Terms
Westamerica Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Westamerica Bancorp's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Westamerica Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Westamerica Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Westamerica Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Westamerica Bancorp's EV-to-OCF falls into.
Westamerica Bancorp's current Enterprise Value is $1,106.6 Mil.
Westamerica Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $119.2 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Westamerica Bancorp (WABC) has a EV-to-OCF of 9.28 as of Aug. 04, 2026. This is near median its historical median of 9.81. Over the past decade, Westamerica Bancorp's EV-to-OCF has ranged from 3.47 to 18.38. According to the industry distribution chart, Westamerica Bancorp ranks #1011 out of 1499 companies in the Banks industry, placing it in the top 67.4%.
Is Westamerica Bancorp's EV-to-OCF too high?
Westamerica Bancorp's current EV-to-OCF of 9.28 is near median its 10-year median of 9.81. Over the past 10 years, this metric has ranged from a low of 3.47 to a high of 18.38. The Banks industry median EV-to-OCF is 3.98. Westamerica Bancorp's value of 9.28 is 133.2% above this industry median. Based on the distribution chart, Westamerica Bancorp ranks #1011 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, Westamerica Bancorp has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Westamerica Bancorp's EV-to-OCF compare to CTBI and BHRB?
According to the Banks industry distribution chart, Westamerica Bancorp ranks #1011 out of 1499 companies for EV-to-OCF. This places Westamerica Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.98. Westamerica Bancorp's value of 9.28 is 133.2% above this benchmark. Historically, Westamerica Bancorp's own EV-to-OCF has ranged from 3.47 to 18.38 over the past decade. While the company's 10-year median is 9.81 vs. the industry median of 3.98, Westamerica Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Westamerica Bancorp's current EV-to-OCF of 9.28 is 133.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Westamerica Bancorp's current EV-to-OCF is 9.28, which is near median its own 10-year median of 9.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Westamerica Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Westamerica Bancorp (WABC) is currently considered Significantly Overvalued. The stock's GF Value™ is $45.80, compared to a current price of $60.32 — trading 31.7% above its estimated fair value. The current EV-to-OCF is 9.28, which is near median its 10-year median of 9.81 and 133.2% above the Banks industry median of 3.98. Westamerica Bancorp's overall GF Score™ is 65/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Westamerica Bancorp (WABC), the current EV-to-OCF is 9.28 as of Aug. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Westamerica Bancorp (WABC) Overvalued in 2026?
Based on GuruFocus' analysis, Westamerica Bancorp stock appears to be overvalued.
The current stock price of $60.32 is trading 31.7% above its estimated GF Value™ of $45.80.
GuruFocus considers Westamerica Bancorp to be Significantly Overvalued.
Key valuation signals for WABC:
EV-to-OCF: 9.28 (near median its 10-year median of 9.81)
GF Value™: $45.80 vs. price of $60.32 (31.7% above fair value)
Industry Position: 133.2% above the Banks median (#1011 of 1499)
No single metric tells the full story. See the WABC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Westamerica Bancorp provides a full range of banking services to individual and commercial customers in Northern and Central California through its subsidiary bank. The Bank is a California-chartered commercial bank whose deposits are insured by the Federal Deposit Insurance Corporation (the FDIC) up to applicable limits. The principal 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 Company's strategic focus is on the banking needs of small businesses.
65GF Score
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