Is Westamerica Bancorporation (WABC) overvalued or fairly valued?

MarketChacha shows Westamerica Bancorporation's valuation in context — a trailing P/E of about 13.1, a forward P/E of about 12.6, 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 $59.39 (+0.5% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Westamerica Bancorporation

WABC · NYSE · Financials · United States

Snapshot

TickerWABC

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees608

HeadquartersSan Rafael, United States

Websitewww.westamerica.com

Filings tracked18

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.

Who owns it

Insiders3.6%
Institutions81.7%
Public & other14.7%

306 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.43%
American Century Companies Inc8.47%
Vanguard Portfolio Management LLC7.45%
State Street Corporation6.03%
Vanguard Capital Management LLC4.48%
Dimensional Fund Advisors LP4.26%
Geode Capital Management, LLC2.71%
AQR Capital Management, LLC2.14%

Largest institutional holders — last updated 6/30/2026.

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.

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

12.4%

Profit CAGR (2y)

-15.3%

EPS (FY2025)

4.52

Net profit (FY2025)

$116.2M

Ask MarketChacha about WABC

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

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
2026Q2	$27.4M	1.17
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

10-Q — FORM 10-Q
SEC8/5/2026
8-K — Other events, Exhibits
SEC7/23/2026material
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
10-K — FORM 10-K
SEC2/27/2026
8-K — Executive/director change
SEC1/23/2026material
8-K — Other events, Exhibits
SEC1/22/2026material
8-K — Results of operations, Exhibits
SEC1/15/2026material

2025

8-K — Other events, Exhibits
SEC12/18/2025material
10-Q — FORM 10-Q
SEC11/7/2025
8-K — Other events, Exhibits
SEC10/23/2025material
8-K — Results of operations, Exhibits
SEC10/16/2025material
8-K — Executive/director change
SEC8/12/2025material
10-Q — FORM 10-Q
SEC8/6/2025

In the news

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