Is Westamerica Bancorporation (WABC) overvalued or fairly valued?

MarketChacha shows Westamerica Bancorporation's valuation in context — a trailing P/E of about 13.2, a forward P/E of about 12.8, a price-to-book of about 1.6 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Westamerica Bancorporation's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.01×) from reported figures — education, not a rating.

What is the share price of Westamerica Bancorporation (WABC)?

Westamerica Bancorporation last traded at $59.92 (-1.1% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Westamerica Bancorporation

WABC · NYSE · Financials · United States

$59.92-1.1%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:26 PM

Snapshot

TickerWABC

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees608

HeadquartersSan Rafael, United States

Market cap$1.4B

P/E (TTM)13.2

P/B1.6

Volume84.74K

Websitewww.westamerica.com

Filings tracked6

About Westamerica Bancorporation

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders3.6%
Institutions82.3%
Public & other14.1%

301 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.69%
American Century Companies Inc8.12%
Vanguard Portfolio Management LLC7.49%
State Street Corporation5.12%
Vanguard Capital Management LLC4.66%
Dimensional Fund Advisors LP4.02%
Geode Capital Management, LLC2.61%
AQR Capital Management, LLC1.70%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.01×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $63.3M · EPS 1.17

Est. earnings growth +4.5%

Next fiscal year

Rev $247.7M · EPS 4.67

Est. earnings growth +0.9%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$44.9352-wk range$63.61

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.4B

Day change

-1.1%

P/E (TTM)

13.2

Fwd P/E

12.8

P/B

1.6

Div yield

3.07%

Beta

0.55

ROE

12.4%

Profit CAGR (2y)

-15.3%

EPS (FY2025)

4.52

Net profit (FY2025)

$116.2M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about WABC

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Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$116.2M	4.52	12.4%
FY2024	$138.6M	5.20	15.6%
FY2023	$161.8M	6.06	20.9%

Quarterly

Period	Net profit	EPS
2026Q1	$27.4M	1.13
2025Q3	$28.3M	1.12
2025Q2	$29.1M	1.12
2025Q1	$31.0M	1.16
2024Q3	$35.1M	1.31
2024Q2	$35.5M	1.33
2024Q1	$36.4M	1.37
2023Q4	$39.5M	1.48
2023Q3	$41.6M	1.56
2023Q2	$40.2M	1.51
2023Q1	$40.5M	1.51

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/16/2026material
10-Q — FORM 10-Q
SEC5/8/2026
8-K — Shareholder vote results
SEC4/27/2026material
8-K — Other events, Exhibits
SEC4/24/2026material
8-K — Other events, Exhibits
SEC4/23/2026material
8-K — Results of operations, Exhibits
SEC4/16/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.