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Financials · WABC

Westamerica Bancorporation (WABC) financials

For the twelve months ended Sep 30, 2026, Westamerica Bancorporation reported $252.21M of revenue and $110.70M of net income.

Revenue, TTM
$252.21M
Revenue growth, YoY
-4.6%
Net income, TTM
$110.70M
Net income growth, YoY
-7.8%
Net margin
43.9%
Free cash flow, TTM
$112.89M
EPS, diluted, TTM
$4.64
EPS growth, YoY
+1.1%
P/E
12.54
P/S
5.50
Market cap
$1.39B
Annual revenue$258.06M
FY2016FY2025
Annual net income$116.17M
FY2016FY2025
Annual free cash flow$119.65M
FY2016FY2025

WABC revenue and earnings growth

WABC revenueQ3 2026$64.05M

Quarter YoY
+0.5%
QoQ
+2.0%
FY YoY
-12.2%
5Y CAGR
+4.2%
10Y CAGR
+3.6%

WABC revenue was $64.05M in fiscal Q3 2026 (ended Sep 30, 2026), up 0.5% from a year earlier and up 2.0% from the prior quarter. For the full fiscal 2025 it was $258.06M, down 12.2% from fiscal 2024. Compound annual growth was +4.2% over 5 years and +3.6% over 10 years. It rose in 7 of the last 10 fiscal years.

WABC net incomeQ3 2026$28.15M

Quarter YoY
-0.4%
QoQ
+2.8%
FY YoY
-16.2%
5Y CAGR
+7.6%
10Y CAGR
+7.1%

WABC net income was $28.15M in fiscal Q3 2026 (ended Sep 30, 2026), down 0.4% from a year earlier and up 2.8% from the prior quarter. For the full fiscal 2025 it was $116.17M, down 16.2% from fiscal 2024. Compound annual growth was +7.6% over 5 years and +7.1% over 10 years. It rose in 7 of the last 10 fiscal years.

WABC EPSQ3 2026$1.22

Quarter YoY
+8.9%
QoQ
+4.3%
FY YoY
-13.1%
5Y CAGR
+8.7%
10Y CAGR
+7.0%

WABC diluted EPS was $1.22 in fiscal Q3 2026 (ended Sep 30, 2026), up 8.9% from a year earlier and up 4.3% from the prior quarter. For the full fiscal 2025 it was $4.52, down 13.1% from fiscal 2024. Compound annual growth was +8.7% over 5 years and +7.0% over 10 years.

WABC free cash flowQ3 2026$33.00M

Quarter YoY
+14.8%
QoQ
+116.6%
FY YoY
-14.4%
5Y CAGR
+2.5%
10Y CAGR
+6.1%

WABC free cash flow was $33.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 14.8% from a year earlier and up 116.6% from the prior quarter. For the full fiscal 2025 it was $119.65M, down 14.4% from fiscal 2024. Compound annual growth was +2.5% over 5 years and +6.1% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$258.06M$293.75M$323.64M$264.95M$214.83M$209.67M$204.20M$197.91M$193.04M$180.38M
Interest expense--$3.89M$1.93M$1.96M$1.82M$1.89M$1.96M$1.90M$2.12M
Pre-tax income$156.69M$189.06M$221.58M$165.59M$117.03M$106.80M$105.22M$91.00M$87.17M$79.96M
Income tax$40.51M$50.42M$59.81M$43.56M$30.52M$26.39M$24.83M$19.43M$37.15M$21.10M
Net income$116.17M$138.64M$161.77M$122.03M$86.51M$80.41M$80.39M$71.56M$50.02M$58.85M
EPS, basic$4.52$5.20$6.06$4.54$3.22$2.98$2.98$2.69$1.90$2.30
EPS, diluted$4.52$5.20$6.06$4.54$3.22$2.98$2.98$2.67$1.89$2.29
Diluted shares25.7M26.7M26.7M26.9M26.9M27.0M27.0M26.8M26.4M25.7M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Goodwill$121.67M$121.67M$121.67M$121.67M$121.67M$121.67M$121.67M$121.67M$121.67M$121.67M
Total assets$5.96B$6.08B$6.36B$6.95B$7.46B$6.75B$5.62B$5.57B$5.51B$5.37B
Short-term debt$137.30M$120.32M$58.16M$57.79M$146.25M$102.55M$30.93M$51.25M$58.47M$59.08M
Total liabilities$5.03B$5.19B$5.59B$6.35B$6.63B$5.90B$4.89B$4.95B$4.92B$4.80B
Shareholders' equity$933.51M$889.96M$772.89M$602.11M$827.10M$844.81M$731.42M$615.59M$590.24M$561.37M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$121.90M$141.57M$158.21M$113.70M$88.73M$107.74M$80.70M$96.63M$80.75M$77.64M
Capital expenditures$2.25M$1.74M$1.16M$811.0K$1.32M$2.20M$3.99M$3.12M$2.72M$1.82M
Free cash flow$119.65M$139.83M$157.05M$112.89M$87.41M$105.54M$76.71M$93.51M$78.03M$75.82M
Investing cash flow$149.61M$715.68M$547.27M-$631.29M-$306.08M-$748.92M-$22.30M-$253.56M-$73.26M-$197.26M
Financing cash flow-$305.20M-$446.07M-$809.40M-$320.26M$728.16M$889.03M-$105.27M$2.22M$105.23M$148.85M
Dividends paid$46.94M$46.96M$45.95M$45.18M$44.30M$44.28M$43.94M$42.63M$41.30M$39.92M
Share repurchases$103.78M$210.0K$13.75M$218.0K$232.0K$16.50M$488.0K$524.0K$314.0K$5.42M
Depreciation and amortization$7.25M$10.40M$11.77M$16.57M$16.62M$22.65M$20.63M$24.40M$26.08M$19.94M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-12.2%-9.2%22.2%23.3%2.5%2.7%3.2%2.5%7.0%-0.9%
Net income growth, YoY-16.2%-14.3%32.6%41.1%7.6%0.0%12.3%43.1%-15.0%0.2%
EPS growth, YoY-13.1%-14.2%33.5%41.0%8.1%0.0%11.6%41.3%-17.5%-0.4%
Net margin45.0%47.2%50.0%46.1%40.3%38.4%39.4%36.2%25.9%32.6%
Free cash flow margin46.4%47.6%48.5%42.6%40.7%50.3%37.6%47.2%40.4%42.0%
Return on equity12.4%15.6%20.9%20.3%10.5%9.5%11.0%11.6%8.5%10.5%
Return on assets1.9%2.3%2.5%1.8%1.2%1.2%1.4%1.3%0.9%1.1%

Source: XBRL data Westamerica Bancorporation files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

WABC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
WABC$252.21M-4.6%$110.70M43.9%$1.39B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

WABC FAQ

7 questions
  • What is WABC revenue?
    Westamerica Bancorporation (WABC) reported $252.21M of revenue for the twelve months ended Sep 30, 2026. That is down 4.6% from the year before. Revenue for fiscal 2025 was $258.06M.
  • Is WABC profitable?
    Yes. Westamerica Bancorporation earned $110.70M in net income for the twelve months ended Sep 30, 2026, a net margin of 43.9%.
  • How fast is WABC revenue growing?
    Westamerica Bancorporation's revenue changed -12.2% in fiscal 2025, to $258.06M. Its compound annual growth rate was +4.2% over 5 years and +3.6% over 10 years.
  • What is WABC free cash flow?
    Westamerica Bancorporation generated $112.89M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $115.50M less capital expenditures.
  • What is WABC earnings per share?
    Diluted earnings per share were $4.64 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did WABC last report financial results?
    The latest statements here come from Westamerica Bancorporation's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this WABC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Westamerica Bancorporation files with the SEC. It is provided for information only and is not investment advice.