Westamerica Bancorporation
WABCFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
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Daily timeframeWestamerica 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. Valued at $1.31B, WABC is a small-cap name in its sector. 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.
Market Cap
$1.31B
Beta
0.56
P/E (TTM)
12.43
P/E (Fwd)
12.99
EPS (TTM)
$4.49
EPS (Fwd)
$4.29
ROE
12.5%
ROA
1.9%
Cash
$397.3M
Total Debt
$165.5M
Free CF
—
52W Change
17.3%
Annual Financials
Cash vs Debt
With $397.3M in cash and $165.5M in debt, WABC maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 12.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.9% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $265.0M (2022) to $258.1M (2025).
With a beta below 0.7, Westamerica Bancorporation typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, WABC has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Westamerica Bancorporation's trajectory.