Westamerica Bancorporation

WABC

$59.08

+0.27%

N/A+$0.16

Financial Services

Banks - Regional

NASDAQ

Active Trading

Westamerica Bancorporation (WABC) functions as a bank holding company, overseeing Westamerica Bank. Through its subsidiary, it delivers a comprehensive suite of financial ...

Key Metrics of WABC

Snapshot

Latest / TTM · 6 periods

Market Cap

$1.39B

ROCE

2.6%

EV / EBITDA

8.15x

-13.3% YoY

FCF Yield

7.8%

-2.3% YoY

Cash Conversion Cycle

49.0d

Current Ratio

2.29

Quick take

TTM —

Positive CCC

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$1.55B	$1.59B	$1.51B	$1.40B	$1.19B	$1.39B
Enterprise ValueCompany value including debt and cash adjustments.	$582.48M	$1.37B	$1.39B	$936.71M	$780.23M	$1.24B
EV / SalesHow many dollars investors pay per dollar of sales.	2.69x	5.12x	4.25x	3.01x	2.87x	4.67x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	4.36x	7.50x	5.97x	4.70x	4.79x	8.11x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	-7.24	-1.21	-0.49	-2.32	-2.51	-0.97

Returns + ROCE gauge

ROCE latest

2.6%

Prev year 15.9%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	10.5%	20.3%	20.9%	15.6%	12.4%	12.3%
ROAProfit generated from total assets.	1.2%	1.8%	2.5%	2.3%	1.9%	1.9%
ROICReturn generated on invested operating capital.	-15.0%	-8.5%	-14.5%	-4.7%	-4.4%	34.9%
ROCEOperating return on long-term capital used.	13.0%	24.8%	26.6%	20.0%	15.9%	2.6%
Earnings YieldEarnings as a percentage of market value.	5.6%	7.7%	10.7%	9.9%	9.8%	8.0%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$88.86M	$114.31M	$159.89M	$152.60M	$129.82M	$118.34M
FCFECash flow available to equity holders after debt flows.	$131.11M	$24.44M	$157.42M	$201.99M	$136.63M	$131.57M
FCF YieldFree cash flow divided by market capitalization.	5.6%	7.1%	10.4%	10.0%	10.1%	7.8%
Income QualityHow well accounting earnings are backed by cash flow.	1.03	0.93	0.98	1.02	1.05	1.00
Capex / OCFShare of operating cash flow spent on capital expenditures.	1.5%	0.7%	0.7%	1.2%	1.8%	2.8%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	59.8d	73.2d	60.8d	52.3d	49.9d	49.0d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	59.8d	73.2d	60.8d	52.3d	49.9d	49.0d
Cash Conversion CycleNet days cash is tied in operations.	59.8d	73.2d	60.8d	52.3d	49.9d	49.0d

Snapshot

Latest / TTM: —

Market Cap

$1.39B

ROE

12.3%

FCF Yield

7.8%

Current Ratio

2.29

Upstream

Fiserv, Inc.NYSE:FI Fidelity National Information Services (FIS)NYSE:FIS Visa Inc.NYSE:V Mastercard Inc.NYSE:MA NewtekOne, Inc. (Newtek Merchant Solutions)NASDAQ:NEWT Elavon (U.S. Bank subsidiary)NYSE:USB Cloudflare, Inc.NYSE:NET MongoDB, Inc.NASDAQ:MDB Microsoft CorporationNASDAQ:MSFTFederal Reserve Bank of San FranciscoFederal Deposit Insurance Corporation (FDIC)Jack Henry & Associates, Inc.NASDAQ:JKHY

Downstream

Retail Deposit Customers (Northern & Central CA consumers)Commercial & Business Banking CustomersMortgage Borrowers (Westamerica Mortgage Company)Trust & Wealth Management ClientsMerchant Services Clients (via Redwood Merchant Services)NewtekOne, Inc.NASDAQ:NEWT

Proxies

TriCo Bancshares (Tri Counties Bank)NASDAQ:TCBK Bank of Marin BancorpNASDAQ:BMRC Banner Corporation (Banner Bank)NASDAQ:BANR Sierra Bancorp (Bank of the Sierra)NASDAQ:BSRR Community West BancsharesNASDAQ:CWBC

About UsPrivacy PolicyTerms of ServiceDisclaimerStock DirectoryETFsIndices13F HoldingsAnalyst TargetsFree ToolsTechnology MapJoin our Slack

Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer

No matching stocks found

Westamerica Bancorporation

Key Metrics of WABC

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of WABC

Upstream

Downstream

Proxies

Key Metrics of WABC

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of WABC

Upstream

Downstream

Proxies