profit from every $100 of sales.
$0$100
Westamerica Bancorporation
$59.47-0.29% today
+23.5% in 1 year
1-year low $46.421-year high $62.46
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.82 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Westamerica Bancorporation sold, what it kept, and what it did with the cash.
Sales went from $265 million in 2022 to $258 million in 2025, with $116 million of profit last year.
SalesProfit
Westamerica Bancorporation handed back more cash to shareholders than it generated last year.
Buybacks $104M$47M
Free cash flow 2025$120M
Bought back its own shares$104M
Paid as dividends$47M
Cash vs. debt$568M vs. $22M
Westamerica Bancorporation vs. similar companies
Westamerica Bancorporation grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Westamerica Bancorporation | 11.8× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Westamerica Bancorporation's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 265 | 324 | 294 | 258 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 122 | 162 | 139 | 116 | |
| 4.54 | 6.06 | 5.20 | 4.52 | |
| – | – | – | – | |
| – | – | – | – | |
| 46.1% | 50.0% | 47.2% | 45.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 6,950 | 6,365 | 6,076 | 5,960 |
| Cash | 294 | 190 | 601 | 568 |
| Total debt | 16 | 19 | 18 | 22 |
| Total liabilities | 6,348 | 5,592 | 5,186 | 5,027 |
| 602 | 773 | 890 | 934 | |
| 27 | 27 | 27 | 26 | |
| – | – | – | – | |
| 20.3% | 20.9% | 15.6% | 12.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 114 | 158 | 142 | 122 | |
| 1 | 1 | 2 | 2 | |
| 113 | 157 | 140 | 120 | |
| Dividends paid | 45 | 46 | 47 | 47 |
| 0 | 14 | 0 | 104 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.8×
- 13.4×
- –
- 1.5×
- 5.3×
- 8.5%
- 3.4%
Profitability
- 45.0%
- 1.9%
- 14.0%
- 12.3%
- 1.9%
Growth
- −0.9%
- −0.1%
- +2.1%
- −1.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 38%of 850
Top 12%of 733
Top 38%of 865
Bottom 19%of 861
Top 34%of 920
What analysts expect
- Average price target
- $57.00
- Range
- $57.00 – $57.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 16, 2026 | 1.13 | 1.07 | +5.6% |
| Jan 15, 2026 | 1.12 | 1.07 | +4.7% |
| Oct 16, 2025 | 1.12 | 1.08 | +3.7% |
| Jul 17, 2025 | 1.12 | 1.07 | +4.7% |
| Apr 17, 2025 | 1.16 | 1.11 | +4.5% |
| Feb 28, 2025 | 1.19 | – | – |
| Oct 17, 2024 | 1.27 | 1.24 | +2.4% |
| Jul 18, 2024 | 1.33 | 1.30 | +2.3% |
3.4%of the share price, paid each year
On $1,000 invested$34a year at today's yield, before tax
+2.1%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$1.53 in 2015 → $1.82 in 2025
How safe it looks
40.4% of its profit
Room to growStretchedMore than it earns: 39.2%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
78Pass
Benjamin Graham
87Pass
Philip Fisher
73Pass
Peter Lynch
34No pass
Joel Greenblatt
23No pass
Charlie Munger
77Pass
Terry Smith
69Pass
Questions about Westamerica Bancorporation
Is Westamerica Bancorporation a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Westamerica Bancorporation AI analysis
What does Westamerica Bancorporation do?
Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers. It is in Banks - Regional.
Does Westamerica Bancorporation pay a dividend?
Yes. At today's price the dividend is 3.4% a year, about 40% of its yearly profit. In 2025 it paid out $46.9 million in dividends.
Is Westamerica Bancorporation stock halal?
No. Westamerica Bancorporation does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Westamerica Bancorporation stock done over the past year?
Up 23.5% over the past twelve months, to $59.47. It traded between $46.42 and $62.46 and is 4.8% below its high.
Who are Westamerica Bancorporation's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Westamerica Bancorporation's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.