EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Westamerica Bancorp's Enterprise Value is €898.6 Mil.
Westamerica Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €99.9 Mil. Therefore, Westamerica Bancorp's EV-to-FCF for today is 9.00.
The historical rank and industry rank for Westamerica Bancorp's EV-to-FCF or its related term are showing as below:
FRA:WB1'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.52 Med: 10.08 Max: 19.33
Current: 8.79
During the past 13 years, the highest EV-to-FCF of Westamerica Bancorp was 19.33. The lowest was 3.52. And the median was 10.08.
FRA:WB1's EV-to-FCF is ranked worse than 57.61% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FRA:WB1: 8.79
EV-to-FCF 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-FCF 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 €50.50.
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 €3.858.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Westamerica Bancorp EV-to-FCF Related Terms
Westamerica Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Westamerica Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Westamerica Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Westamerica Bancorp's EV-to-FCF falls into.
Westamerica Bancorp's current Enterprise Value is €898.6 Mil.
Westamerica Bancorp's Free Cash Flow 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 €99.9 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 (FRA:WB1) has a EV-to-FCF of 9.00 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Westamerica Bancorp and its competitors. This is 11% below median its historical median of 10.08. Over the past decade, Westamerica Bancorp's EV-to-FCF has ranged from 3.52 to 19.33. According to the industry distribution chart, Westamerica Bancorp ranks #689 out of 1196 companies in the Banks industry, placing it in the top 57.6%.
Is Westamerica Bancorp's EV-to-FCF too high?
Westamerica Bancorp's current EV-to-FCF of 9.00 is 11% below median its 10-year median of 10.08. Over the past 10 years, this metric has ranged from a low of 3.52 to a high of 19.33. The Banks industry median EV-to-FCF is 6.57. Westamerica Bancorp's value of 9.00 is 37.1% above this industry median. Based on the distribution chart, Westamerica Bancorp ranks #689 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, Westamerica Bancorp has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Westamerica Bancorp's EV-to-FCF compare to PEBO and AMAL?
According to the Banks industry distribution chart, Westamerica Bancorp ranks #689 out of 1196 companies for EV-to-FCF. This places Westamerica Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. Westamerica Bancorp's value of 9.00 is 37.1% above this benchmark. Historically, Westamerica Bancorp's own EV-to-FCF has ranged from 3.52 to 19.33 over the past decade. While the company's 10-year median is 10.08 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Westamerica Bancorp's current EV-to-FCF of 9.00 is 37.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Westamerica Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Westamerica Bancorp's current EV-to-FCF is 9.00, which is 11% below median its own 10-year median of 10.08. 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?
Westamerica Bancorp (FRA:WB1) has a current EV-to-FCF of 9.00. The stock's GF Value™ is €38.52, compared to a current price of €50.50 — trading 31.1% above its estimated fair value. The current EV-to-FCF is 9.00, which is 11% below median its 10-year median of 10.08 and 37.1% above the Banks industry median of 6.57. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Westamerica Bancorp (FRA:WB1), the current EV-to-FCF is 9.00 as of Jul. 06, 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 (FRA:WB1) Overvalued in 2026?
Based on GuruFocus' analysis, Westamerica Bancorp stock appears to be overvalued.
The current stock price of €50.50 is trading 31.1% above its estimated GF Value™ of €38.52.
Key valuation signals for FRA:WB1:
EV-to-FCF: 9.00 (11% below median its 10-year median of 10.08)
GF Value™: €38.52 vs. price of €50.50 (31.1% above fair value)
Industry Position: 37.1% above the Banks median (#689 of 1196)
No single metric tells the full story. See the FRA:WB1 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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