WABC | Ticker Profile - Titan Protect

WABC

Westamerica Bancorporation

Financial Services · Banks - Regional · NMS

$56.58

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.3B

Total market value of the company

Trailing P/E

12.39

Reasonably valued

Forward P/E

12.95

Based on estimated future earnings — lower means cheaper

Rev Growth

-6.7%

Year-over-year revenue change

Profit Margin

44.3%

How much profit the company keeps from each dollar of revenue

ROE

12.5%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$58.00

+3% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 1 analysts covering this stock

About Westamerica Bancorporation

Westamerica 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. 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. Its loan portfolio includes commercial, commercial real estate, residential real estate, real estate construction, consumer installment loans, as well as indirect automobile loans. The company serves small businesses, professionals, and consumers. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1884 and is headquartered in San Rafael, California.

https://www.westamerica.com

Country: United States Employees: 608 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.584

Good returns relative to risk taken

Kelly Fraction

0.0423

Modest edge detected — smaller position warranted

Calmar Ratio

0.499

Drawdown risk outweighs the returns — higher risk profile

Annual Return

12.3%

Historical annualised return based on price data

Max Drawdown

-24.7%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

368

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.56

Less volatile than the market — more defensive

52W High

$56.36

-0% below the year high

52W Low

$44.93

26% above the year low

Avg Volume

198,942

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.0

Days it would take all short sellers to cover — higher means more crowded

Short % Float

3.7%

Low short interest — limited bearish positioning

Div Yield

334.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$4.49

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

60.2%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$254M

Total revenue over the last 12 months

Net Income

$112M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$58.00

Target Median

$58.00

Target Low

$58.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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