Westamerica Bancorporation (WABC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Westamerica Bancorporation stock (WABC) is currently trading at $51.47. Westamerica Bancorporation PE ratio is 10.98. Westamerica Bancorporation PS ratio (Price-to-Sales) is 4.67. Analyst consensus price target for WABC is $55.00. WallStSmart rates WABC as Underperform.
- WABC PE ratio analysis and historical PE chart
- WABC PS ratio (Price-to-Sales) history and trend
- WABC intrinsic value — DCF, Graham Number, EPV models
- WABC stock price prediction 2025 2026 2027 2028 2029 2030
- WABC fair value vs current price
- WABC insider transactions and insider buying
- Is WABC undervalued or overvalued?
- Westamerica Bancorporation financial analysis — revenue, earnings, cash flow
- WABC Piotroski F-Score and Altman Z-Score
- WABC analyst price target and Smart Rating
Westamerica Bancorporation
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WABC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Westamerica Bancorporation (WABC)
WABC trades 69% above its Graham fair value of $30.74, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Westamerica Bancorporation (WABC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around peg ratio and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Westamerica Bancorporation (WABC) Key Strengths (4)
Keeps $61 of every $100 in revenue after operating costs
Keeps $45 of every $100 in revenue as net profit
83.63% of shares held by major funds and institutions
Trading at 1.29x book value, attractively priced
Supporting Valuation Data
Westamerica Bancorporation (WABC) Areas to Watch (6)
Revenue declining -9.00%, a shrinking business
Earnings declining -5.80%, profits shrinking
Very expensive relative to growth, significant premium
Premium valuation at 4.7x annual revenue
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Westamerica Bancorporation (WABC) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 2.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.29) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 61.20%, Profit Margin at 45.00%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, PEG Ratio. Some valuation metrics including PEG Ratio (4.62), Price/Sales (4.67) suggest expensive pricing. Growth concerns include Revenue Growth at -9.00%, EPS Growth at -5.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -9.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WABC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WABC's Price-to-Sales ratio of 4.67x sits near its historical average of 5.32x (45th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 44% below its historical high of 8.4x set in Dec 2016, and 43% above its historical low of 3.28x in Jul 2007.
WallStSmart Analysis Synopsis
Data-driven financial summary for Westamerica Bancorporation (WABC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Westamerica Bancorporation faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 258M with 9% decline year-over-year. Profit margins are strong at 45.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1270.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 45.0% and operating margin of 61.2% demonstrate strong pricing power and operational efficiency.
Revenue contracted 9% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Dividend sustainability with a current yield of 361.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Westamerica Bancorporation.
Bottom Line
Westamerica Bancorporation faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Westamerica Bancorporation(WABC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.