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Westamerica BancorpWABC -0.86%65 Equity-to-Asset is 0.15 as of Jun. 2026, which is 25% above its 10-year median of 0.12. GuruFocus rates WABC with a GF Score™ of 65/100 and a GF Value™ of $46.83 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Westamerica Bancorp ranks better than 86.36% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Westamerica Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $853.1 Mil. Westamerica Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $5,805.1 Mil.
Therefore, Westamerica Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.15.
The historical rank and industry rank for Westamerica Bancorp's Equity-to-Asset or its related term are showing as below:
WABC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.12 Max: 0.16
Current: 0.15
During the past 13 years, the highest Equity to Asset Ratio of Westamerica Bancorp was 0.16. The lowest was 0.08. And the median was 0.12.
WABC's Equity-to-Asset is ranked better than 86.36% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs WABC: 0.15
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Westamerica Bancorp Equity-to-Asset Related Terms
Westamerica Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Westamerica Bancorp's Equity-to-Asset 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.
WABC vs CTBI, BHRB, FMBH: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Westamerica Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Westamerica Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Westamerica Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Westamerica Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.15 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Westamerica Bancorp and its competitors. This is 25% above median its historical median of 0.12. Over the past decade, Westamerica Bancorp's Equity-to-Asset has ranged from 0.08 to 0.16. According to the industry distribution chart, Westamerica Bancorp ranks #208 out of 1525 companies in the Banks industry, placing it in the top 13.6%.
Is Westamerica Bancorp's Equity-to-Asset too high?
Westamerica Bancorp's current Equity-to-Asset of 0.15 is 25% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Westamerica Bancorp's value of 0.15 is 50% above this industry median. Based on the distribution chart, Westamerica Bancorp ranks #208 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Westamerica Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Westamerica Bancorp's Equity-to-Asset compare to CTBI and BHRB?
According to the Banks industry distribution chart, Westamerica Bancorp ranks #208 out of 1525 companies for Equity-to-Asset. This places Westamerica Bancorp in the top 14% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Westamerica Bancorp's value of 0.15 is 50% above this benchmark. Historically, Westamerica Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.16 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Westamerica Bancorp's current Equity-to-Asset of 0.15 is 50% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Westamerica Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Westamerica Bancorp's current Equity-to-Asset is 0.15, which is 25% above median its own 10-year median of 0.12. 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 Modestly Overvalued. The stock's GF Value™ is $46.83, compared to a current price of $58.60 — trading 25.1% above its estimated fair value. The current Equity-to-Asset is 0.15, which is 25% above median its 10-year median of 0.12 and 50% above the Banks industry median of 0.10. Westamerica Bancorp's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Westamerica Bancorp (WABC), the current Equity-to-Asset is 0.15 as of Jun. 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 $58.60 is trading 25.1% above its estimated GF Value™ of $46.83.
GuruFocus considers Westamerica Bancorp to be Modestly Overvalued.
Key valuation signals for WABC:
Equity-to-Asset: 0.15 (25% above median its 10-year median of 0.12)
GF Value™: $46.83 vs. price of $58.60 (25.1% above fair value)
Industry Position: 50% above the Banks median (#208 of 1525)
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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