West Bancorporation, Inc. functions as the holding company for West Bank, delivering a comprehensive suite of community banking and trust services. Serving ...
예상 EPS $0.67 · 매출 $28.95M · 1 명의 애널리스트
예상 EPS $0.65
예상 EPS $0.68 · 매출 $29.50M · 1 명의 애널리스트
예상 EPS $2.60 · 매출 $113.65M · 2 명의 애널리스트
$1.00 주당
$1.00 주당
| 지표 | 최신 | 전년 대비YoY는 Year-over-Year(전년 대비)를 의미합니다. 최근 연도 값을 이전 연도 값과 비교하여 장기 추세의 강도를 보여줍니다. | 전분기 대비QoQ는 Quarter-over-Quarter(전분기 대비)를 의미합니다. 최근 분기를 직전 분기와 비교하여 단기 모멘텀 변화를 보여줍니다. |
|---|---|---|---|
| 매출고객에게 물건을 판매하여 청구서가 지급되기 전까지 들어온 총 금액입니다. 고객의 모든 카드 결제의 총합이라고 보시면 됩니다. (YoY는 올해를 작년 성과와 비교하며, QoQ는 최근 3개월을 이전 3개월과 비교합니다). | $198.5M | +0.3% | +2.3% |
| 순이익절대적인 최종 이익입니다. 회사가 모든 공급업체, 직원, 은행, 세무 당국에 비용을 지불하고 남은 실제 금액입니다. | $32.6M | +35.4% | +4.7% |
| 매출총이익률기본적인 마진입니다. 100달러짜리 운동화를 판매한다면, 이 비율은 원료와 끈 비용을 지불한 직후의 이익이 가격의 얼마인지를 나타내며, 매장 임대료나 TV 광고 같은 비용은 제외됩니다. | +48.0% | +21.5% | +2.1% |
| 영업이익률본업의 효율성 점수입니다. 고객이 지불하는 1달러 중에서 제품을 만들고 모든 일상적인 회사 운영비(급여, 마케팅, 임대료 등)를 지불한 후 회사가 보유하는 금액을 나타냅니다. | +20.9% | +50.4% | +4.4% |
| 순이익률최종 이익 비율입니다. 모든 비용, 세금, 이자를 차감한 후, 매출 1달러 중 회사가 실제로 보유하는 정확한 액수입니다. | +16.4% | +34.9% | +2.4% |
| 잉여현금흐름기업 현금흐름의 핵심입니다. 일상적인 운영비를 지불하고 생존에 필요한 큰 설비(공장, 서버 등)에 투자한 후 남은 사용 가능한 실제 현금입니다. 배당금이나 자사주 매각에 사용될 수 있는 '자유' 현금입니다. | $43.2M | +215.6% | +20.0% |
| FCF 마진궁극의 현금 전환율입니다. 일반 매출을 즉시 사용 가능한 현금으로 얼마나 잘 전환하는지를 나타냅니다. 비율이 높을수록 현금 창출 능력이 우수합니다. | +21.7% | +214.6% | +17.3% |
| 부채/자본재무 리스크 지표입니다. 차입금으로 구축된 자산과 주주의 자기자본 비율을 비교합니다. 높으면 레버리지가 크고 위험이 큽니다. | 141.5% | -17.9% | -4.0% |
| 유동비율12개월 생존 점검입니다. 현재 보유한 현금과 즉시 현금화 가능한 자산으로 1년 내 갚아야 할 즉시 청구서를 갚을 수 있는지를 비교합니다. 1 이상이면 당장 지급에 충분합니다. | 0.19x | -21.3% | -5.2% |
| 총자산회사의 절대적인 규모입니다. 계산대의 현금, 창고의 재고, 소프트웨어 특허, 공장 등 회사가 보유한 모든 가치 있는 자산을 합친 것입니다. | $4.1B | +3.2% | +0.5% |
| 지표 | 연간 (실적 vs 추정치) | 연간 서프라이즈 | 분기 (실적 vs 추정치) | 분기 서프라이즈 |
|---|---|---|---|---|
| EPS 서프라이즈 | 1.92 vs 2.04 | -5.9% | 0.64 vs 0.63 | +1.6% |
| 매출 서프라이즈 | $198.5M vs $98.8M | +100.9% | $51.1M vs $28.1M | +81.4% |
| 날짜 | 임원 | 직책 | 증권 | 구분 | 주식 수 | 가격 |
|---|---|---|---|---|---|---|
| Apr 23, 2026 | GULLING DOUGLAS R | director | COMMON STOCK | A | 1,430 | — |
| Apr 23, 2026 | Vaughan Therese M | director | COMMON STOCK | A | 1,430 | — |
| Apr 23, 2026 | Sorensen John Kevin | director | COMMON STOCK | A | 1,430 | — |
| Apr 23, 2026 | Parson Rosemary | director | COMMON STOCK | A | 1,430 | — |
| Apr 23, 2026 | McMurray Sean Patrick | director | COMMON STOCK | A | 1,430 | — |
Operator : Ladies and gentlemen, thank you for standing by. My name is Krista, and I will be your conference operator today. At this time, I would like to welcome everyone to West Bancorporation Second Quarter 2026 Earnings Conference Call. I would now like to turn the conference over to Jane Funk, CFO. Please go ahead. Jane Funk : Thank you. Good afternoon, everyone. I'm Jane Funk, the CFO of West Bancorporation, Inc., and I'd like to welcome the participants on our call today, and thank you for joining us. With me today are Dave Nelson, our CEO; and Harlee Olafson, Chief Risk Officer; Todd Mather, our Central Iowa Market President; and Brad Peters, our Minnesota Group President. During today's conference call, we may make projections or other forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and regarding future events or the future financial performance of the company. We caution that such statements are predictions and that actual results may differ materially. Please see the forward-looking statement disclosure in our 20,262nd quarter earnings release for more information about risks and uncertainties, which may affect us. The information we will provide today is accurate as of June 30, 2026, and we undertake no duty to update the information. With that, I'll turn it over to Dave Nelson. David Nelson : Thank you, Jane, and good afternoon, everyone. Thank you all for joining us. We have a lot of good news to share. I have a few general comments and others will make more detailed comments. We had another very strong quarter. Year-over-year net income increased 37% and we announced an increased dividend, which is now at the highest level ever in our history. All financial metrics are strong. 2026 year-to-date return on average equity is a little over 16% and a strong balance sheet with higher levels of liquidity and capital and credit quality remains pristine with 0 loans past due 30 days. Our Board of Directors has approved an increase to our quarterly dividend to $0.26 per common share payable on August 19 to shareholders of record as of August 5. I'll be available for questions following the comments of others. But now I'd like to turn the call over to our Chief Risk Officer, Mr. Harlee Olafson. Harlee Olafson : Thank you, Dave. As of June 30, 2026, credit quality is very strong at West Bank. As Dave mentioned, we have 0 past dues over 38 days no OREO, no nonaccruals. Our watch list has declined 50% from March 31, 26 and is currently $0.7 million percent of our loan balance. All banks have customers that go through challenging times. Our bankers have done a good job recognizing when problems are likely to occur. We aggressively take action to augment those credits to keep them as a safe asset or have them obtain financing elsewhere or if it is in the best interest of all to sell the business or assets. Many of our creditworthy customers have been cautious …
| 이름 | 직함 | 보수 | 성별 | 출생 연도 | 상태 |
|---|---|---|---|---|---|
David D. Nelson | Chief Executive Officer, President & Director | USD 1,132,405 | Male | 1961 | Active |
Brad Lee Winterbottom | Executive Vice President | USD 656,113 | Male | 1957 | Active |
Bradley Peters | Executive Vice President | USD 656,113 | Male | 1964 | Active |
Harlee N. Olafson | Executive Vice President & Chief Risk Officer | USD 656,113 | Male | 1958 | Active |
Jane Funk | Executive Vice President, Treasurer & Chief Financial Officer | USD 571,156 | Female | 1969 | Active |
Douglas Ray Gulling | Director | USD 40,009 | Male | 1954 | Active |
Melissa L. Gillespie | VP, Corporate Counsel & Corporate Secretary | — | Female | — | Active |
John F. McKinney | VP & General Counsel | — | Male | — | Active |
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does West Bancorp (WTBA) have what it takes?
West Bancorporation, Inc. (NASDAQ: WTBA - Get Free Report)'s share price crossed above its 200-day moving average during trading on Friday. The stock has a 200-day moving average of $25.31 and traded as high as $28.75. West Bancorporation shares last traded at $28.54, with a volume of 124,918 shares changing hands. Analyst Ratings Changes A
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does West Bancorp (WTBA) have what it takes?
West Bancorporation, Inc. (WTBA) Q2 2026 Earnings Call Transcript
West Bancorporation NASDAQ: WTBA reported stronger second-quarter 2026 earnings, higher net interest income and continued solid credit quality, while executives said loan growth remains affected by commercial real estate payoffs and a competitive deposit environment.
