Is Westamerica Bancorporation (WABC) Overvalued?
We dive into why Westamerica Bancorporation (WABC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products from local businesses and professionals, as well as retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial real estate, residential real estate, real estate construction, consumer installment loans, as well as indirect automobile loans. The company serves small businesses, professionals, and consumers. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1884 and is headquartered in San Rafael, California.
Commentary & Analysis
What You Need to Know About Westamerica Bancorporation's Q3 Earnings
Westamerica Bancorporation's fiscal Q3 earnings report was released on Thursday, July 16. Let's dive in to see if (WABC) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Westamerica Bancorporation's Q2 Earnings
Westamerica Bancorporation's fiscal Q2 earnings report was released on Thursday, April 16. Let's dive in to see if (WABC) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Westamerica Bancorporation's Q1 Earnings
Westamerica Bancorporation's fiscal Q1 earnings report was released on Thursday, January 15. Let's dive in to see if (WABC) missed or beat analyst's expectations.Omar Beirat
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Financial Summary
| Share Statistics | WABC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,355.7 | $673.5 | 49% |
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| Shares Out (Mil) | 23.3 | 15.4 | 33% |
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| Institutional Ownership | 94.0% | 84.1% | 64% |
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| Float (Mil) | 21.9 | 21.6 | 30% |
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| Beta | 0.55 | 0.45 | 32% |
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| Avg Daily Volume (000s) | 205 | 44 | 44% |
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| Price Change (52-week) |
24.5% | 90.3% | 72% |
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| Growth | WABC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.7% | 7.7% | 35% |
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| Net Income (5yr) | 7.6% | 11.1% | 51% |
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| EPS (5yr) | 8.7% | 10.0% | 45 |
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| Dividends (5yr) | 2.1% | 3.6% | 89% |
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| Cash Flow (5yr) | (16.5%) | (17.1%) | 44% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.165 | $4.635 | $4.685 | |
| Month Ago EPS | $1.165 | $4.635 | $4.675 | |
| # Rev Up | 2 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.060 | $4.630 | $4.395 | |
| Year/Year Chg | (0.4%) | 2.5% | 14.6% | |
| Financials | WABC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $252 | $187 | 34% |
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| Net Income (TTM) (Mil) | $111 | $53 | 62% |
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| EPS (TTM) | $4.533 | $2.600 | 85% |
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| Operating Cash Flow (TTM) (Mil) | $111 | $34 | 53% |
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| Net Cash Flow (TTM) (Mil) | ($325) | $2 | 8% |
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| Long-Term Debt (Q1) (Mil) | $19 | $94 | 32% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | WABC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.58 | 1.23 | 44% |
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| P/E | 13.0 | 12.0 | 32% |
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| Dividend Yield | 3.3% | 2.3% | 86% |
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| PEG (5yr hist) | 1.5 | 1.1 | 60% |
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| Ratios | WABC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 43.9% | 29.2% | 96% |
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| ROA | 1.9% | 1.1% | 55% |
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| ROE | 12.5% | 11.3% | 64% |
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| Liabilities to Assets | 85.3% | 89.7% | 79% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
