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Westamerica Bancorporation (WABC) Financials

Westamerica Bancorporation logo
$49.18 -1.01 (-2.01%)
Closing price 04:00 PM Eastern
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$49.16 -0.02 (-0.04%)
As of 04:20 PM Eastern
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Annual Income Statements for Westamerica Bancorporation

Annual Income Statements for Westamerica Bancorporation

This table shows Westamerica Bancorporation's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 139 162 122 87 80 80 371 50 59 59 61
Consolidated Net Income / (Loss)		 139 162 122 87 80 80 72 50 59 59 61
Net Income / (Loss) Continuing Operations		 139 162 122 87 80 80 371 50 59 59 61
Total Pre-Tax Income 		189 222 166 117 107 105 91 87 80 77 79
Total Revenue		 294 324 265 215 210 204 497 193 180 182 189
Net Interest Income / (Expense)		 251 280 220 171 164 157 150 136 134 134 137
Total Interest Income		 268 284 222 173 166 159 152 138 136 137 140
Loans and Leases Interest Income		 45 47 50 58 59 58 59 62 69 78 89
Investment Securities Interest Income		 203 226 164 115 105 94 85 72 65 58 51
Deposits and Money Market Investments Interest Income		 20 11 7.79 1.13 1.17 6.99 7.93 4.48 1.87 - -
Total Interest Expense		 17 3.89 1.93 1.96 1.82 1.89 1.96 1.90 2.12 2.42 3.44
Deposits Interest Expense		 11 3.77 1.85 1.88 1.77 1.85 1.92 1.86 2.08 2.37 2.89
Long-Term Debt Interest Expense		 5.81 0.00 0.00 - - - - - - 0.00 0.41
Federal Funds Purchased and Securities Sold Interest Expense		 0.67 0.12 0.08 - - - - - - - 0.06
Total Non-Interest Income		 43 44 45 43 46 47 48 57 47 48 52
Other Service Charges		 4.37 3.23 3.02 2.93 4.00 4.00 -146 5.51 4.82 44 48
Net Realized & Unrealized Capital Gains on Investments		 0.00 -0.13 0.00 0.03 3.61 0.22 -0.05 7.96 0.00 0.00 -
Other Non-Interest Income		 39 40 42 40 38 43 194 43 42 0.70 0.76
Provision for Credit Losses		 0.30 -1.15 0.00 0.00 4.30 0.00 0.00 -1.90 -3.20 0.00 2.80
Total Non-Interest Expense		 104 103 99 98 99 99 107 108 104 105 107
Salaries and Employee Benefits		 50 48 46 48 51 51 53 52 52 52 55
Net Occupancy & Equipment Expense		 31 30 30 29 29 30 29 28 28 28 28
Other Operating Expenses		 18 19 18 18 16 18 23 24 21 21 20
Other Special Charges		 5.19 5.75 5.72 2.62 2.44 - - - - - -
Income Tax Expense		 50 60 44 31 26 25 19 37 21 18 18
Basic Earnings per Share		 $5.20 $6.06 $4.54 $3.22 $2.98 $2.98 $2.69 $1.90 $2.30 $2.30 $2.32
Weighted Average Basic Shares Outstanding		 26.69M 26.70M 26.90M 26.86M 26.94M 26.96M 26.65M 26.29M 25.61M 25.56M 26.10M
Diluted Earnings per Share		 $5.20 $6.06 $4.54 $3.22 $2.98 $2.98 $2.67 $1.89 $2.29 $2.30 $2.32
Weighted Average Diluted Shares Outstanding		 26.69M 26.71M 26.91M 26.87M 26.96M 27.01M 26.76M 26.42M 25.68M 25.58M 26.16M
Weighted Average Basic & Diluted Shares Outstanding		 26.71M 26.67M 26.91M 26.87M 26.81M 27.10M 26.89M 26.30M 25.60M 25.50M 26.10M
Cash Dividends to Common per Share		 $1.76 $1.72 $1.68 $1.65 $1.64 $1.63 $1.60 $1.57 $1.56 $1.53 $1.52

Quarterly Income Statements for Westamerica Bancorporation

This table shows Westamerica Bancorporation's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 32 35 35 36 39 42 40 40 39 35
Consolidated Net Income / (Loss)		 32 35 35 36 39 42 40 40 39 35
Net Income / (Loss) Continuing Operations		 32 35 35 36 39 42 40 40 39 35
Total Pre-Tax Income 		44 48 48 49 55 57 55 55 54 47
Total Revenue		 67 74 77 76 80 83 81 80 79 72
Net Interest Income / (Expense)		 59 62 64 66 69 72 70 69 69 60
Total Interest Income		 62 68 69 69 71 73 70 70 69 61
Loans and Leases Interest Income		 11 11 11 11 12 12 12 12 12 12
Investment Securities Interest Income		 46 50 53 55 57 57 57 56 54 46
Deposits and Money Market Investments Interest Income		 5.66 6.76 4.96 2.28 2.69 3.93 2.11 1.94 2.57 2.74
Total Interest Expense		 3.47 5.65 5.31 3.00 1.68 1.13 0.61 0.47 0.48 0.49
Deposits Interest Expense		 3.26 3.11 2.46 2.11 1.64 1.10 0.58 0.46 0.46 0.47
Federal Funds Purchased and Securities Sold Interest Expense		 0.20 0.25 0.16 0.05 0.04 0.04 0.03 0.01 - -
Total Non-Interest Income		 11 12 11 10 11 11 11 11 10 12
Other Service Charges		 -8.90 12 0.79 0.75 -9.53 11 0.77 0.99 1.07 0.69
Other Non-Interest Income		 20 0.20 9.71 9.34 21 0.28 10 9.56 9.40 11
Total Non-Interest Expense		 26 26 26 26 26 26 26 26 25 25
Salaries and Employee Benefits		 12 13 12 13 12 12 12 12 11 11
Net Occupancy & Equipment Expense		 7.83 7.87 7.67 7.58 7.40 7.54 7.50 7.93 7.61 7.50
Other Operating Expenses		 -0.87 5.68 8.67 4.50 1.64 6.29 6.51 4.78 4.57 4.53
Income Tax Expense		 12 13 13 13 15 15 14 15 15 13
Basic Earnings per Share		 $1.19 $1.31 $1.33 $1.37 $1.48 $1.56 $1.51 $1.51 $1.47 $1.29
Weighted Average Basic Shares Outstanding		 26.69M 26.69M 26.68M 26.67M 26.70M 26.65M 26.65M 26.86M 26.90M 26.91M
Diluted Earnings per Share		 $1.19 $1.31 $1.33 $1.37 $1.48 $1.56 $1.51 $1.51 $1.47 $1.29
Weighted Average Diluted Shares Outstanding		 26.69M 26.69M 26.68M 26.68M 26.71M 26.65M 26.65M 26.87M 26.91M 26.92M
Weighted Average Basic & Diluted Shares Outstanding		 26.71M 26.69M 26.69M 26.68M 26.67M 26.65M 26.65M 26.65M 26.91M 26.91M
Cash Dividends to Common per Share		 $0.44 $0.44 $0.44 $0.44 $0.44 $0.44 $0.42 $0.42 $0.42 $0.42

Annual Cash Flow Statements for Westamerica Bancorporation

This table details how cash moves in and out of Westamerica Bancorporation's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 411 -104 -838 511 248 -47 -155 113 29 52 -91
Net Cash From Operating Activities		 142 158 114 89 108 81 97 81 78 70 82
Net Cash From Continuing Operating Activities		 142 158 114 89 108 81 97 81 78 70 82
Net Income / (Loss) Continuing Operations		 139 162 122 87 80 80 72 50 59 59 61
Consolidated Net Income / (Loss)		 139 162 122 87 80 80 72 50 59 59 61
Provision For Loan Losses		 0.30 -1.15 0.00 0.00 4.30 0.00 0.00 -1.90 -3.20 0.00 2.80
Depreciation Expense		 10 12 17 17 23 21 24 26 20 16 16
Amortization Expense		 -0.27 -0.57 -1.70 -5.58 -4.44 -0.26 -0.20 -0.05 -0.34 -0.31 -0.28
Non-Cash Adjustments to Reconcile Net Income		 -0.09 1.20 0.38 1.39 -1.80 1.09 1.16 -6.93 0.71 0.85 -0.42
Changes in Operating Assets and Liabilities, net		 -7.41 -15 -24 -10 6.63 -21 -0.29 14 1.68 -5.29 4.06
Net Cash From Investing Activities		 716 547 -631 -306 -749 -22 -254 -73 -197 -102 -295
Net Cash From Continuing Investing Activities		 716 547 -631 -306 -749 -22 -254 -73 -197 -102 -295
Purchase of Property, Leasehold Improvements and Equipment		 -1.74 -1.16 -0.81 -1.32 -2.20 -3.99 -3.12 -2.72 -1.82 -4.47 -3.79
Purchase of Investment Securities		 -21 -2.33 -1,355 -1,909 -2,103 -971 -855 -636 -1,328 -1,385 -1,194
Sale and/or Maturity of Investments		 738 551 725 1,605 1,352 952 604 565 1,133 1,287 902
Net Cash From Financing Activities		 -446 -809 -320 728 889 -105 2.22 105 149 84 122
Net Cash From Continuing Financing Activities		 -446 -809 -320 728 889 -105 2.22 105 149 84 122
Net Change in Deposits		 -462 -751 -189 726 875 -54 39 123 164 191 186
Repayment of Debt		 62 - - 44 - - -7.22 -0.61 - -57 -10
Repurchase of Common Equity		 -0.34 -14 -0.22 -0.23 -16 -0.49 -0.52 -0.31 -5.42 -15 -52
Payment of Dividends		 -47 -46 -45 -44 -44 -44 -43 -41 -40 -39 -40
Other Financing Activities, Net		 1.49 0.95 2.26 3.02 2.84 14 13 25 24 3.21 11
Cash Interest Paid		 17 3.90 1.94 2.03 1.83 1.90 1.93 1.93 2.20 2.53 3.82
Cash Income Taxes Paid		 57 64 40 28 26 24 14 17 19 18 16

Quarterly Cash Flow Statements for Westamerica Bancorporation

This table details how cash moves in and out of Westamerica Bancorporation's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 99 17 52 244 -230 154 71 -99 -119 -340
Net Cash From Operating Activities		 30 41 19 52 -7.98 59 53 55 42 29
Net Cash From Continuing Operating Activities		 30 41 19 52 -7.98 59 53 55 42 29
Net Income / (Loss) Continuing Operations		 32 35 35 36 39 42 40 40 39 35
Consolidated Net Income / (Loss)		 32 35 35 36 39 42 40 40 39 35
Depreciation Expense		 2.17 2.42 2.85 2.96 3.01 3.01 2.71 3.04 2.83 3.23
Amortization Expense		 0.08 -0.05 -0.16 -0.15 -0.15 -0.16 -0.14 -0.13 -0.26 -0.37
Non-Cash Adjustments to Reconcile Net Income		 0.34 -1.20 0.41 0.36 0.34 0.06 0.46 0.34 0.29 -0.58
Changes in Operating Assets and Liabilities, net		 -4.52 4.32 -20 12 -51 14 9.30 13 -0.38 -7.58
Net Cash From Investing Activities		 145 222 218 131 70 137 168 172 139 -397
Net Cash From Continuing Investing Activities		 145 222 218 131 70 137 168 172 139 -397
Purchase of Property, Leasehold Improvements and Equipment		 -0.67 -0.49 -0.46 -0.12 -0.26 -0.31 -0.08 -0.51 0.00 -0.22
Purchase of Investment Securities		 -7.10 -8.87 -4.77 0.00 - - -0.13 -2.19 -17 -544
Sale and/or Maturity of Investments		 153 231 223 131 71 137 168 174 156 148
Net Cash From Financing Activities		 -76 -246 -185 61 -293 -41 -150 -326 -300 28
Net Cash From Continuing Financing Activities		 -76 -246 -185 61 -293 -41 -150 -326 -300 28
Net Change in Deposits		 -53 -66 -223 -119 -225 -6.91 -193 -326 -270 80
Repayment of Debt		 -12 -168 50 192 - -23 - - - -41
Repurchase of Common Equity		 -0.13 - - -0.21 - - - -14 - -
Payment of Dividends		 -12 -12 -12 -12 -12 -12 -11 -11 -11 -11
Other Financing Activities, Net		 1.19 0.10 - - 0.95 - - - 0.08 0.82
Cash Interest Paid		 3.62 9.22 2.61 1.99 1.74 1.12 0.60 0.44 0.51 0.50
Cash Income Taxes Paid		 15 8.50 - - 64 - - - 15 9.00

Annual Balance Sheets for Westamerica Bancorporation

This table presents Westamerica Bancorporation's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 6,076 6,365 6,950 7,461 6,748 5,620 5,569 5,513 5,366 5,169 5,036
Cash and Due from Banks		 601 190 294 1,132 621 373 420 575 462 433 381
Trading Account Securities		 4,240 4,878 4,332 4,639 4,063 3,079 3,639 3,352 3,237 2,886 2,639
Loans and Leases, Net of Allowance		 -15 -17 -20 1,045 -24 -19 1,186 1,265 1,327 1,504 1,669
Allowance for Loan and Lease Losses		 15 17 20 24 24 19 21 23 26 30 31
Premises and Equipment, Net		 26 27 29 31 33 35 35 35 37 39 38
Goodwill		 122 122 122 122 122 122 122 122 122 122 122
Intangible Assets		 0.13 0.35 0.58 0.84 1.10 1.39 1.93 3.85 6.93 10 14
Other Assets		 1,101 1,164 2,194 185 1,932 2,029 165 160 175 175 173
Total Liabilities & Shareholders' Equity		 6,076 6,365 6,950 1,047 6,748 5,620 5,569 5,513 5,366 5,169 5,036
Total Liabilities		 5,186 5,592 6,348 6,634 5,903 4,888 4,953 4,923 4,805 4,637 4,509
Non-Interest Bearing Deposits		 2,333 2,606 2,947 - 2,725 2,240 2,243 2,198 2,089 2,026 1,911
Interest Bearing Deposits		 2,678 2,868 3,278 - 2,963 2,573 2,624 2,630 2,615 2,515 2,438
Short-Term Debt		 120 58 58 146 103 31 51 58 59 53 90
Other Long-Term Liabilities		 54 59 65 74 113 45 35 37 41 43 50
Total Equity & Noncontrolling Interests		 890 773 602 827 845 731 616 590 561 532 527
Total Preferred & Common Equity		 890 773 602 827 845 731 616 590 561 532 527
Total Common Equity		 890 773 602 827 845 731 616 590 561 532 527
Common Stock		 476 473 475 471 466 465 448 432 405 379 378
Retained Earnings		 582 490 383 306 264 239 206 174 165 150 140
Accumulated Other Comprehensive Income / (Loss)		 -168 -190 -256 50 114 26 -40 -17 -10 0.68 5.29
Other Equity Adjustments		 0.04 0.04 0.04 - 0.04 0.77 1.40 1.53 1.53 2.58 2.71

Quarterly Balance Sheets for Westamerica Bancorporation

This table presents Westamerica Bancorporation's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 6,161 6,312 6,465 6,567 6,583 6,700 7,177
Cash and Due from Banks		 503 486 434 421 266 195 414
Trading Account Securities		 4,431 3,699 4,758 4,795 4,947 5,127 5,313
Loans and Leases, Net of Allowance		 -15 -16 -16 -18 -18 -20 -21
Allowance for Loan and Lease Losses		 15 16 16 18 18 20 21
Premises and Equipment, Net		 26 26 26 27 28 28 30
Goodwill		 122 122 122 122 122 122 122
Intangible Assets		 0.18 0.23 0.29 0.40 0.46 0.52 0.64
Other Assets		 1,095 1,994 1,140 1,220 1,238 1,247 1,320
Total Liabilities & Shareholders' Equity		 6,161 6,312 6,465 6,567 6,583 6,700 7,177
Total Liabilities		 5,252 5,497 5,673 5,919 5,931 6,058 6,638
Non-Interest Bearing Deposits		 2,376 2,459 2,514 2,723 2,721 2,789 3,070
Interest Bearing Deposits		 2,689 2,672 2,841 2,976 2,985 3,110 3,425
Short-Term Debt		 132 100 50 115 138 83 77
Other Long-Term Liabilities		 55 65 68 105 87 75 66
Total Equity & Noncontrolling Interests		 909 816 792 648 652 643 539
Total Preferred & Common Equity		 909 816 792 648 652 643 539
Total Common Equity		 909 816 792 648 652 643 539
Common Stock		 475 475 474 472 471 471 475
Retained Earnings		 562 538 515 462 432 403 355
Accumulated Other Comprehensive Income / (Loss)		 -128 -197 -197 -286 -252 -232 -291
Other Equity Adjustments		 0.04 0.04 0.04 0.04 0.04 0.04 0.04

Annual Metrics And Ratios for Westamerica Bancorporation

This table displays calculated financial ratios and metrics derived from Westamerica Bancorporation's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.24% 22.15% 23.33% 2.46% 2.68% -58.95% 157.69% 7.02% -0.88% -3.49% -8.80%
EBITDA Growth		 -14.43% 29.00% 40.90% 2.45% -0.46% -69.72% 266.34% 13.71% 7.32% -1.50% -9.20%
EBIT Growth		 -14.68% 33.81% 41.50% 9.57% 1.51% -73.06% 347.99% 9.02% 4.28% -2.89% -8.32%
NOPAT Growth		 -14.30% 32.56% 41.07% 7.58% 0.03% 12.33% 43.06% -15.00% 0.17% -3.12% -9.72%
Net Income Growth		 -14.30% 32.56% 41.07% 7.58% 0.03% 12.33% 43.06% -15.00% 0.17% -3.12% -9.72%
EPS Growth		 -14.19% 33.48% 40.99% 8.05% 0.00% 11.61% 41.27% -17.47% -0.43% -0.86% -7.20%
Operating Cash Flow Growth		 -10.52% 39.14% 28.14% -17.64% 33.51% -16.48% 19.66% 4.01% 10.27% -14.47% -3.52%
Free Cash Flow Firm Growth		 -332.42% -102.16% 619.62% 157.86% -591.86% -128.29% 145.57% -7.96% -78.49% 118.00% -52.24%
Invested Capital Growth		 21.57% 25.94% -32.20% 2.74% 24.27% 14.32% 2.79% 4.56% 6.02% -8.04% 1.63%
Revenue Q/Q Growth		 -4.39% 0.37% 10.79% 57.79% 0.97% 0.00% 0.00% 6.86% 0.83% -0.79% -1.89%
EBITDA Q/Q Growth		 -6.76% 0.45% 14.78% 170.67% -0.95% 256.62% 561.86% 5.32% 2.31% 0.48% -2.15%
EBIT Q/Q Growth		 -6.81% 0.34% 17.47% 210.32% 1.60% 204.63% 437.32% 5.05% 0.69% -0.53% -0.74%
NOPAT Q/Q Growth		 -5.31% 0.08% 16.88% -2.39% 4.02% 2.13% 26.28% -17.06% -0.21% -0.76% -1.67%
Net Income Q/Q Growth		 -5.31% 0.08% 16.88% -2.39% 4.02% 0.00% 0.00% -17.06% -0.21% -0.76% -1.67%
EPS Q/Q Growth		 -5.28% 0.17% 17.01% -2.42% 4.20% 2.05% 26.54% -17.47% -0.87% -0.43% -0.43%
Operating Cash Flow Q/Q Growth		 36.37% -23.94% 27.06% 7.38% -4.04% -0.20% 0.56% -3.34% 8.02% -13.85% 23.75%
Free Cash Flow Firm Q/Q Growth		 69.10% -168.24% -2.27% -7.07% -7.58% 41.77% -26.41% 132.03% -22.80% 11.37% -29.45%
Invested Capital Q/Q Growth		 -3.00% 8.81% 7.15% 1.70% 1.48% 0.44% 1.91% -3.22% 0.18% -0.98% 0.94%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 67.81% 71.92% 68.11% 59.61% 59.62% 61.50% 83.37% 58.64% 55.19% 50.98% 49.95%
EBIT Margin		 64.36% 68.46% 62.50% 54.47% 50.94% 51.53% 78.51% 45.16% 44.33% 42.13% 41.87%
Profit (Net Income) Margin		 47.20% 49.98% 46.06% 40.27% 38.35% 39.37% 14.39% 25.91% 32.63% 32.29% 32.16%
Tax Burden Percent		 73.33% 73.01% 73.70% 73.92% 75.29% 76.40% 78.64% 57.39% 73.61% 76.63% 76.81%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 23.30% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.67% 26.99% 26.30% 26.08% 24.71% 23.60% 21.36% 42.61% 26.39% 23.37% 23.19%
Return on Invested Capital (ROIC)		 15.06% 21.70% 14.94% 9.01% 9.41% 11.25% 10.88% 7.88% 9.76% 9.62% 9.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.06% 21.70% 14.94% 9.01% 9.41% 11.25% 10.88% 7.88% 9.76% 9.62% 9.61%
Return on Net Nonoperating Assets (RNNOA)		 1.62% 1.83% 2.13% 1.34% 0.80% 0.69% 0.99% 0.80% 1.00% 1.48% 1.73%
Return on Equity (ROE)		 16.67% 23.53% 17.08% 10.35% 10.20% 11.94% 11.87% 8.69% 10.76% 11.10% 11.34%
Cash Return on Invested Capital (CROIC)		 -4.41% -1.26% 53.33% 6.30% -12.24% -2.12% 8.12% 3.43% 3.92% 18.00% 7.99%
Operating Return on Assets (OROA)		 3.04% 3.33% 2.30% 1.65% 1.73% 1.88% 7.05% 1.60% 1.52% 1.50% 1.60%
Return on Assets (ROA)		 2.23% 2.43% 1.69% 1.22% 1.30% 1.44% 1.29% 0.92% 1.12% 1.15% 1.23%
Return on Common Equity (ROCE)		 16.67% 23.53% 17.08% 10.35% 10.20% 11.94% 11.87% 8.69% 10.76% 11.10% 11.34%
Return on Equity Simple (ROE_SIMPLE)		 15.58% 20.93% 20.27% 10.46% 9.52% 10.99% 11.63% 8.48% 10.48% 11.04% 11.52%
Net Operating Profit after Tax (NOPAT)		 139 162 122 87 80 80 72 50 59 59 61
NOPAT Margin		 47.20% 49.98% 46.06% 40.27% 38.35% 39.37% 14.39% 25.91% 32.63% 32.29% 32.16%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 27.65% 24.17% 28.57% 35.73% 38.07% 39.55% 16.47% 41.43% 43.81% 43.98% 43.68%
Operating Expenses to Revenue		 35.54% 31.89% 37.50% 45.53% 47.01% 48.47% 21.49% 55.83% 57.45% 57.87% 56.64%
Earnings before Interest and Taxes (EBIT)		 189 222 166 117 107 105 391 87 80 77 79
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 199 233 180 128 125 126 415 113 100 93 94
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.56 1.86 2.43 1.71 1.56 2.16 2.03 2.17 2.29 0.00 0.00
Price to Tangible Book Value (P/TBV)		 1.81 2.21 3.05 2.01 1.82 2.60 2.54 2.76 2.97 0.00 0.00
Price to Revenue (P/Rev)		 4.73 4.44 5.53 6.58 6.28 7.74 2.51 6.65 7.12 0.00 0.00
Price to Earnings (P/E)		 10.01 8.89 12.00 16.34 16.37 19.66 3.37 25.65 21.82 0.00 0.00
Dividend Yield		 3.38% 3.19% 3.09% 3.14% 3.35% 2.79% 3.42% 3.22% 3.12% 4.26% 4.17%
Earnings Yield		 9.99% 11.25% 8.33% 6.12% 6.11% 5.09% 29.68% 3.90% 4.58% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.90 1.57 1.86 0.44 0.84 1.62 1.32 1.18 1.42 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 3.09 4.04 4.63 1.99 3.80 6.06 1.77 3.97 4.89 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 4.55 5.61 6.80 3.34 6.38 9.86 2.13 6.77 8.85 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 4.80 5.89 7.41 3.66 7.47 11.77 2.26 8.79 11.02 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 6.54 8.07 10.06 4.95 9.92 15.40 12.32 15.32 14.97 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.41 8.25 10.80 4.82 7.40 15.34 9.12 9.49 11.35 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 2.82 7.07 0.00 0.00 16.49 35.22 37.27 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.14 0.08 0.10 0.18 0.12 0.04 0.08 0.10 0.11 0.10 0.21
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04
Financial Leverage		 0.11 0.08 0.14 0.15 0.08 0.06 0.09 0.10 0.10 0.15 0.18
Leverage Ratio		 7.48 9.68 10.08 8.50 7.85 8.31 9.19 9.45 9.63 9.64 9.24
Compound Leverage Factor		 7.48 9.68 10.08 8.50 7.85 8.31 2.14 9.45 9.63 9.64 9.24
Debt to Total Capital		 11.91% 7.00% 8.76% 15.03% 10.82% 4.06% 7.69% 9.01% 9.52% 9.06% 17.25%
Short-Term Debt to Total Capital		 11.91% 7.00% 8.76% 15.03% 10.82% 4.06% 7.69% 9.01% 9.52% 9.06% 14.11%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.15%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 88.09% 93.00% 91.24% 84.97% 89.18% 95.94% 92.31% 90.99% 90.48% 90.94% 82.75%
Debt to EBITDA		 0.60 0.25 0.32 1.14 0.82 0.25 0.12 0.52 0.59 0.57 1.17
Net Debt to EBITDA		 -2.42 -0.57 -1.31 -7.70 -4.15 -2.73 -0.89 -4.56 -4.05 -4.10 -2.88
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.21
Debt to NOPAT		 0.87 0.36 0.47 1.69 1.28 0.38 0.72 1.17 1.00 0.90 1.81
Net Debt to NOPAT		 -3.47 -0.82 -1.94 -11.40 -6.45 -4.26 -5.16 -10.33 -6.85 -6.47 -4.47
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.33
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -41 -9.39 435 61 -105 -15 53 22 24 110 50
Operating Cash Flow to CapEx		 8,117.66% 13,626.87% 14,019.98% 6,702.04% 0.00% 2,020.58% 3,609.60% 2,968.90% 4,270.46% 1,573.63% 2,171.22%
Free Cash Flow to Firm to Interest Expense		 -2.33 -2.41 226.22 30.95 -57.34 -8.01 27.28 11.45 11.17 45.35 14.64
Operating Cash Flow to Interest Expense		 8.13 40.67 59.07 45.39 59.07 42.74 49.33 42.50 36.69 29.04 23.90
Operating Cash Flow Less CapEx to Interest Expense		 8.03 40.37 58.64 44.71 59.96 40.63 47.96 41.07 35.83 27.20 22.80
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.04 0.03 0.03 0.04 0.09 0.04 0.03 0.04 0.04
Fixed Asset Turnover		 11.05 11.59 8.84 6.72 6.22 5.91 14.25 5.37 4.79 4.75 5.02
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,010 831 660 973 947 762 667 649 620 585 636
Invested Capital Turnover		 0.32 0.43 0.32 0.22 0.25 0.29 0.76 0.30 0.30 0.30 0.30
Increase / (Decrease) in Invested Capital		 179 171 -313 26 185 96 18 28 35 -51 10
Enterprise Value (EV)		 907 1,306 1,228 428 798 1,238 881 766 881 0.00 0.00
Market Capitalization		 1,388 1,438 1,464 1,414 1,316 1,581 1,250 1,283 1,284 0.00 0.00
Book Value per Share		 $33.35 $29.00 $22.37 $30.78 $31.44 $27.03 $23.03 $22.40 $21.87 $20.83 $20.18
Tangible Book Value per Share		 $28.79 $24.42 $17.83 $26.22 $26.87 $22.49 $18.41 $17.64 $16.86 $15.66 $14.97
Total Capital		 1,010 831 660 973 947 762 667 649 620 585 636
Total Debt		 120 58 58 146 103 31 51 58 59 53 110
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20
Net Debt		 -481 -132 -236 -986 -519 -342 -369 -517 -403 -380 -271
Capital Expenditures (CapEx)		 1.74 1.16 0.81 1.32 -1.62 3.99 2.68 2.72 1.82 4.47 3.79
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 120 58 58 146 103 31 51 58 59 53 110
Total Depreciation and Amortization (D&A)		 10 11 15 11 18 20 24 26 20 16 15
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.20 $6.06 $4.54 $3.22 $2.98 $2.98 $2.69 $1.90 $2.30 $2.30 $2.32
Adjusted Weighted Average Basic Shares Outstanding		 26.69M 26.70M 26.90M 26.86M 26.94M 26.96M 26.65M 26.29M 25.61M 25.56M 26.10M
Adjusted Diluted Earnings per Share		 $5.20 $6.06 $4.54 $3.22 $2.98 $2.98 $2.67 $1.89 $2.29 $2.30 $2.32
Adjusted Weighted Average Diluted Shares Outstanding		 26.69M 26.71M 26.91M 26.87M 26.96M 27.01M 26.76M 26.42M 25.68M 25.58M 26.16M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 26.71M 26.67M 26.91M 26.87M 26.81M 27.10M 26.89M 26.57M 26.27M 25.40M 25.62M
Normalized Net Operating Profit after Tax (NOPAT)		 142 166 126 88 82 80 72 50 59 59 61
Normalized NOPAT Margin		 48.49% 51.28% 47.65% 41.17% 39.23% 39.37% 14.39% 26.10% 32.63% 32.29% 32.16%
Pre Tax Income Margin		 64.36% 68.46% 62.50% 54.47% 50.94% 51.53% 18.29% 45.16% 44.33% 42.13% 41.87%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 10.85 56.96 86.02 59.86 58.55 55.73 199.35 45.88 37.79 31.63 22.92
NOPAT to Interest Expense		 7.96 41.59 63.39 44.25 44.09 42.58 36.53 26.33 27.81 24.24 17.61
EBIT Less CapEx to Interest Expense		 10.75 56.66 85.60 59.18 59.44 53.61 197.98 44.45 36.93 29.78 21.82
NOPAT Less CapEx to Interest Expense		 7.86 41.29 62.97 43.57 44.97 40.46 35.16 24.90 26.95 22.39 16.51
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.87% 28.41% 37.02% 51.21% 55.07% 54.66% 59.58% 82.56% 67.84% 66.59% 65.56%
Augmented Payout Ratio		 34.12% 36.91% 37.20% 51.48% 75.59% 55.27% 60.31% 83.18% 77.05% 91.67% 151.56%

Quarterly Metrics And Ratios for Westamerica Bancorporation

This table displays calculated financial ratios and metrics derived from Westamerica Bancorporation's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -16.78% -10.75% -4.50% -4.84% 1.49% 15.06% 37.10% 45.30% 48.35% 32.11%
EBITDA Growth		 -25.02% -16.16% -6.60% -9.84% 1.85% 19.06% 48.06% 66.30% 69.50% 52.56%
EBIT Growth		 -25.20% -16.12% -7.15% -10.17% 1.39% 20.23% 60.31% 83.60% 83.58% 58.40%
NOPAT Growth		 -19.68% -15.73% -11.89% -9.97% 0.32% 19.68% 59.00% 78.86% 81.14% 57.55%
Net Income Growth		 -19.68% -15.73% -11.89% -9.97% 0.32% 19.68% 59.00% 78.86% 81.14% 57.55%
EPS Growth		 -19.59% -16.03% -11.92% -9.27% 0.68% 20.93% 60.64% 79.76% 81.48% 57.32%
Operating Cash Flow Growth		 473.05% -30.71% -63.80% -5.21% -119.08% 98.67% 396.04% 73.09% 137.54% 14.79%
Free Cash Flow Firm Growth		 -12.03% -128.35% -1,927.35% -298.82% -137.33% -128.27% -106.45% 33.01% 8,354.33% 26,152.74%
Invested Capital Growth		 21.57% 36.37% 41.26% 43.53% 25.94% 24.01% 7.42% -12.12% -32.20% -35.65%
Revenue Q/Q Growth		 -9.72% -3.75% 1.47% -5.63% -3.17% 3.00% 1.10% 0.65% 9.78% 22.72%
EBITDA Q/Q Growth		 -13.69% -6.33% 2.43% -9.46% -3.49% 4.34% -1.12% 2.28% 12.82% 29.76%
EBIT Q/Q Growth		 -14.11% -6.02% 2.80% -9.85% -3.68% 4.02% -0.54% 1.75% 14.21% 38.70%
NOPAT Q/Q Growth		 -9.58% -1.14% -2.62% -7.73% -5.13% 3.36% -0.50% 2.81% 13.19% 37.32%
Net Income Q/Q Growth		 -9.58% -1.14% -2.62% -7.73% -5.13% 3.36% -0.50% 2.81% 13.19% 37.32%
EPS Q/Q Growth		 -9.16% -1.50% -2.92% -7.43% -5.13% 3.31% 0.00% 2.72% 13.95% 37.23%
Operating Cash Flow Q/Q Growth		 -26.58% 113.06% -63.54% 754.20% -113.64% 11.31% -4.54% 31.72% 41.95% 177.92%
Free Cash Flow Firm Q/Q Growth		 39.22% 16.43% -3.88% -112.32% -23.89% -641.93% -110.19% -60.14% -6.16% 69.14%
Invested Capital Q/Q Growth		 -3.00% -6.65% 7.08% 25.39% 8.81% -3.30% 8.80% 10.02% 7.15% -16.24%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 64.71% 67.69% 69.55% 68.90% 71.81% 72.05% 71.12% 72.72% 71.56% 69.63%
EBIT Margin		 61.34% 64.48% 66.05% 65.19% 68.25% 68.61% 67.93% 69.06% 68.32% 65.66%
Profit (Net Income) Margin		 47.40% 47.33% 46.08% 48.02% 49.11% 50.12% 49.95% 50.75% 49.69% 48.19%
Tax Burden Percent		 72.51% 73.39% 73.67% 73.65% 71.96% 73.05% 73.52% 73.49% 72.73% 73.39%
Interest Burden Percent		 106.56% 100.00% 94.70% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.49% 26.61% 26.33% 26.35% 28.04% 26.95% 26.48% 26.51% 27.27% 26.61%
Return on Invested Capital (ROIC)		 15.12% 16.11% 15.29% 17.37% 21.32% 23.43% 20.41% 18.95% 16.12% 14.65%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.12% 16.11% 15.29% 17.37% 21.32% 23.43% 20.41% 18.95% 16.12% 14.65%
Return on Net Nonoperating Assets (RNNOA)		 1.62% 2.56% 4.57% 4.04% 1.80% 3.79% 4.12% 2.92% 2.30% 2.09%
Return on Equity (ROE)		 16.75% 18.67% 19.86% 21.41% 23.12% 27.22% 24.53% 21.88% 18.42% 16.74%
Cash Return on Invested Capital (CROIC)		 -4.41% -14.55% -18.15% -17.90% -1.26% 1.99% 13.14% 30.93% 53.33% 56.66%
Operating Return on Assets (OROA)		 2.90% 3.11% 3.24% 3.17% 3.32% 3.22% 3.07% 2.86% 2.51% 2.15%
Return on Assets (ROA)		 2.24% 2.28% 2.26% 2.33% 2.39% 2.35% 2.25% 2.10% 1.83% 1.58%
Return on Common Equity (ROCE)		 16.75% 18.67% 19.86% 21.41% 23.12% 27.22% 24.53% 21.88% 18.42% 16.74%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 16.11% 18.75% 19.92% 0.00% 24.93% 23.75% 21.76% 0.00% 19.37%
Net Operating Profit after Tax (NOPAT)		 32 35 35 36 39 42 40 40 39 35
NOPAT Margin		 47.40% 47.33% 46.08% 48.02% 49.11% 50.12% 49.95% 50.75% 49.69% 48.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 30.34% 27.85% 26.19% 26.58% 24.33% 23.32% 23.99% 25.09% 24.11% 26.08%
Operating Expenses to Revenue		 38.66% 35.52% 33.95% 34.41% 31.75% 30.91% 32.07% 32.89% 31.68% 34.34%
Earnings before Interest and Taxes (EBIT)		 41 48 51 49 55 57 55 55 54 47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 43 50 54 52 58 60 57 58 57 50
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.56 1.44 1.57 1.62 1.86 1.70 1.50 1.75 2.43 2.43
Price to Tangible Book Value (P/TBV)		 1.81 1.66 1.85 1.91 2.21 2.09 1.84 2.16 3.05 3.15
Price to Revenue (P/Rev)		 4.73 4.26 4.06 4.00 4.44 3.42 3.13 3.89 5.53 5.48
Price to Earnings (P/E)		 10.01 8.93 8.39 8.12 8.89 6.82 6.30 8.06 12.00 12.55
Dividend Yield		 3.38% 3.59% 3.66% 3.62% 3.19% 4.11% 4.59% 4.01% 3.09% 3.45%
Earnings Yield		 9.99% 11.20% 11.92% 12.32% 11.25% 14.67% 15.87% 12.41% 8.33% 7.97%
Enterprise Value to Invested Capital (EV/IC)		 0.90 0.90 0.98 1.05 1.57 1.04 1.07 1.40 1.86 1.58
Enterprise Value to Revenue (EV/Rev)		 3.09 3.05 3.47 3.43 4.04 2.47 2.72 3.50 4.63 4.07
Enterprise Value to EBITDA (EV/EBITDA)		 4.55 4.39 4.92 4.83 5.61 3.44 3.81 4.98 6.80 6.19
Enterprise Value to EBIT (EV/EBIT)		 4.80 4.62 5.18 5.08 5.89 3.61 4.01 5.32 7.41 6.91
Enterprise Value to NOPAT (EV/NOPAT)		 6.54 6.40 7.18 6.95 8.07 4.93 5.47 7.25 10.06 9.33
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.41 9.03 9.01 7.06 8.25 3.83 4.73 7.41 10.80 10.88
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 57.92 8.45 4.23 2.82 2.19
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.14 0.15 0.37 0.32 0.08 0.18 0.21 0.13 0.10 0.14
Long-Term Debt to Equity		 0.00 0.00 0.25 0.25 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.11 0.16 0.30 0.23 0.08 0.16 0.20 0.15 0.14 0.14
Leverage Ratio		 7.48 8.17 8.79 9.18 9.68 11.58 10.88 10.42 10.08 10.59
Compound Leverage Factor		 7.97 8.17 8.32 9.18 9.68 11.58 10.88 10.42 10.08 10.59
Debt to Total Capital		 11.91% 12.72% 26.90% 24.02% 7.00% 15.10% 17.47% 11.44% 8.76% 12.48%
Short-Term Debt to Total Capital		 11.91% 12.72% 8.98% 4.83% 7.00% 15.10% 17.47% 11.44% 8.76% 12.48%
Long-Term Debt to Total Capital		 0.00% 0.00% 17.92% 19.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 88.09% 87.28% 73.10% 75.98% 93.00% 84.90% 82.53% 88.56% 91.24% 87.52%
Debt to EBITDA		 0.60 0.62 1.34 1.10 0.25 0.50 0.62 0.41 0.32 0.49
Net Debt to EBITDA		 -2.42 -1.73 -0.83 -0.81 -0.57 -1.32 -0.58 -0.55 -1.31 -2.14
Long-Term Debt to EBITDA		 0.00 0.00 0.90 0.88 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.87 0.90 1.96 1.59 0.36 0.71 0.89 0.59 0.47 0.74
Net Debt to NOPAT		 -3.47 -2.53 -1.22 -1.17 -0.82 -1.89 -0.83 -0.80 -1.94 -3.23
Long-Term Debt to NOPAT		 0.00 0.00 1.31 1.27 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -148 -243 -290 -280 -132 -106 -14 141 353 376
Operating Cash Flow to CapEx		 4,463.72% 8,209.11% 4,128.85% 42,796.72% -3,023.11% 19,064.17% 66,556.96% 10,779.26% 0.00% 13,390.91%
Free Cash Flow to Firm to Interest Expense		 -42.56 -42.99 -54.73 -93.17 -78.43 -93.81 -23.60 298.56 742.72 771.95
Operating Cash Flow to Interest Expense		 8.59 7.18 3.59 17.40 -4.75 51.66 86.62 116.95 88.04 60.49
Operating Cash Flow Less CapEx to Interest Expense		 8.40 7.10 3.50 17.36 -4.91 51.39 86.49 115.86 88.04 60.04
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.03
Fixed Asset Turnover		 11.05 11.46 11.67 11.67 11.59 11.27 10.70 9.83 8.84 7.79
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,010 1,042 1,116 1,042 831 764 790 726 660 616
Invested Capital Turnover		 0.32 0.34 0.33 0.36 0.43 0.47 0.41 0.37 0.32 0.30
Increase / (Decrease) in Invested Capital		 179 278 326 316 171 148 55 -100 -313 -341
Enterprise Value (EV)		 907 937 1,098 1,097 1,306 797 847 1,015 1,228 974
Market Capitalization		 1,388 1,308 1,283 1,281 1,438 1,102 975 1,127 1,464 1,311
Book Value per Share		 $33.35 $34.06 $30.57 $29.68 $29.00 $24.33 $24.46 $23.89 $22.37 $20.03
Tangible Book Value per Share		 $28.79 $29.50 $26.00 $25.11 $24.42 $19.75 $19.88 $19.35 $17.83 $15.48
Total Capital		 1,010 1,042 1,116 1,042 831 764 790 726 660 616
Total Debt		 120 132 300 250 58 115 138 83 58 77
Total Long-Term Debt		 0.00 0.00 200 200 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -481 -370 -186 -184 -132 -305 -128 -112 -236 -337
Capital Expenditures (CapEx)		 0.67 0.49 0.46 0.12 0.26 0.31 0.08 0.51 -0.00 0.22
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 120 132 300 250 58 115 138 83 58 77
Total Depreciation and Amortization (D&A)		 2.25 2.37 2.70 2.81 2.87 2.85 2.57 2.92 2.57 2.86
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.19 $1.31 $1.33 $1.37 $1.48 $1.56 $1.51 $1.51 $1.47 $1.29
Adjusted Weighted Average Basic Shares Outstanding		 26.69M 26.69M 26.68M 26.67M 26.70M 26.65M 26.65M 26.86M 26.90M 26.91M
Adjusted Diluted Earnings per Share		 $1.19 $1.31 $1.33 $1.37 $1.48 $1.56 $1.51 $1.51 $1.47 $1.29
Adjusted Weighted Average Diluted Shares Outstanding		 26.69M 26.69M 26.68M 26.68M 26.71M 26.65M 26.65M 26.87M 26.91M 26.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 26.71M 26.69M 26.69M 26.68M 26.67M 26.65M 26.65M 26.65M 26.91M 26.91M
Normalized Net Operating Profit after Tax (NOPAT)		 32 35 35 37 39 42 40 42 40 36
Normalized NOPAT Margin		 47.40% 47.33% 46.08% 49.42% 49.11% 50.12% 49.95% 52.08% 51.00% 49.64%
Pre Tax Income Margin		 65.37% 64.48% 62.55% 65.19% 68.25% 68.61% 67.93% 69.06% 68.32% 65.66%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 11.84 8.46 9.58 16.48 32.67 50.26 90.19 116.86 113.89 97.26
NOPAT to Interest Expense		 9.15 6.21 6.68 12.14 23.51 36.72 66.31 85.88 82.83 71.38
EBIT Less CapEx to Interest Expense		 11.64 8.37 9.49 16.43 32.51 49.99 90.06 115.78 113.89 96.81
NOPAT Less CapEx to Interest Expense		 8.95 6.12 6.60 12.09 23.35 36.45 66.18 84.80 82.83 70.92
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 33.87% 32.07% 30.69% 29.41% 28.41% 28.16% 29.13% 32.32% 37.02% 43.25%
Augmented Payout Ratio		 34.12% 32.21% 30.82% 29.54% 36.91% 36.67% 38.01% 42.15% 37.20% 43.46%

Frequently Asked Questions About Westamerica Bancorporation's Financials

When does Westamerica Bancorporation's fiscal year end?

According to the most recent income statement we have on file, Westamerica Bancorporation's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Westamerica Bancorporation's net income changed over the last 10 years?

Westamerica Bancorporation's net income appears to be on an upward trend, with a most recent value of $138.64 million in 2024, rising from $60.65 million in 2014. The previous period was $161.77 million in 2023. Find out what analysts predict for Westamerica Bancorporation in the coming months.

How has Westamerica Bancorporation revenue changed over the last 10 years?

Over the last 10 years, Westamerica Bancorporation's total revenue changed from $188.55 million in 2014 to $293.75 million in 2024, a change of 55.8%.

How much debt does Westamerica Bancorporation have?

Westamerica Bancorporation's total liabilities were at $5.19 billion at the end of 2024, a 7.2% decrease from 2023, and a 15.0% increase since 2014.

How much cash does Westamerica Bancorporation have?

In the past 10 years, Westamerica Bancorporation's cash and equivalents has ranged from $190.31 million in 2023 to $1.13 billion in 2021, and is currently $601.49 million as of their latest financial filing in 2024.

How has Westamerica Bancorporation's book value per share changed over the last 10 years?

Over the last 10 years, Westamerica Bancorporation's book value per share changed from 20.18 in 2014 to 33.35 in 2024, a change of 65.3%.


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This page (NASDAQ:WABC) was last updated on 5/21/2025 by MarketBeat.com Staff
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