Westamerica BancorpWABC -0.20%65 FCF Margin % is 62.38% as of Mar. 2026, which is 40% above its 10-year median of 44.49. GuruFocus rates WABC with a GF Score™ of 65/100 and a GF Value™ of $45.38 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Westamerica Bancorp ranks better than 72.69% on this metric.
The historical rank and industry rank for Westamerica Bancorp's FCF Margin % or its related term are showing as below:
WABC'
s FCF Margin % Range Over the Past 10 Years
Min: 37.56 Med: 44.49 Max: 51.2
Current: 45.79
During the past 13 years, the highest FCF Margin % of Westamerica Bancorp was 51.20%. The lowest was 37.56%. And the median was 44.49%.
WABC's FCF Margin % is ranked better than 72.69% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs WABC: 45.79
Westamerica Bancorp FCF Margin % Related Terms
Westamerica Bancorp FCF Margin % Historical Data
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The historical data trend for Westamerica Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Westamerica Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Westamerica Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 62.38% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Westamerica Bancorp and its competitors. This is 40% above median its historical median of 44.49. Over the past decade, Westamerica Bancorp's FCF Margin % has ranged from 37.56 to 51.20. According to the industry distribution chart, Westamerica Bancorp ranks #411 out of 1505 companies in the Banks industry, placing it in the top 27.3%.
Is Westamerica Bancorp's FCF Margin % too high?
Westamerica Bancorp's current FCF Margin % of 62.38% is 40% above median its 10-year median of 44.49. Over the past 10 years, this metric has ranged from a low of 37.56 to a high of 51.20. The Banks industry median FCF Margin % is 26.55. Westamerica Bancorp's value of 62.38% is 135% above this industry median. Based on the distribution chart, Westamerica Bancorp ranks #411 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to BHRB and PEBO?
According to the Banks industry distribution chart, Westamerica Bancorp ranks #411 out of 1505 companies for FCF Margin %. This puts Westamerica Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. Westamerica Bancorp's value of 62.38% is 135% above this benchmark. Historically, Westamerica Bancorp's own FCF Margin % has ranged from 37.56 to 51.20 over the past decade. While the company's 10-year median is 44.49 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Westamerica Bancorp's current FCF Margin % of 62.38% is 135% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Westamerica Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Westamerica Bancorp's current FCF Margin % is 62.38%, which is 40% above median its own 10-year median of 44.49. 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 $45.38, compared to a current price of $58.86 — trading 29.7% above its estimated fair value. The current FCF Margin % is 62.38%, which is 40% above median its 10-year median of 44.49 and 135% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Westamerica Bancorp (WABC), the current FCF Margin % is 62.38% as of Mar. 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 $58.86 is trading 29.7% above its estimated GF Value™ of $45.38.
GuruFocus considers Westamerica Bancorp to be Modestly Overvalued.
Key valuation signals for WABC:
FCF Margin %: 62.38% (40% above median its 10-year median of 44.49)
GF Value™: $45.38 vs. price of $58.86 (29.7% above fair value)
Industry Position: 135% above the Banks median (#411 of 1505)
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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