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Westamerica Bancorporation (WABC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$61.24 +1.64% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $61.30

Westamerica Bancorporation (WABC) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ β€’ HOLD / WATCH Cap $1.40B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is WABC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Westamerica Bancorporation (NASDAQ: WABC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $61.24 (+1.64% 1D, market cap $1.40B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, WABC ranks #173 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does WABC compare to PEBO and BHRB in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), WABC carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of β€”, and ROIC of 12.4%. By comparison, PEBO (Peoples Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.1x, ROIC 10.5%, cap $1.39B) and BHRB (Burke & Herbert Financial Services Corp.) posts a C grade (64/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WABC?
β–Ό

Per WABC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000311094), Westamerica Bancorporation generated $2.50B in revenue (-1.9% YoY), $116.2M in net income, and $119.7M in free cash flow against $5.96B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $61.31 (+0.11%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 13/20 (C) β€’ 4.8% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY β€’ 56.4% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- Β· Rk C
Cash (13)Whales (12)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4% Base Target
$75 Bull$64 Base$50 Bear
πŸ“¬ FREE WABC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for WABC)Realized 20D OHLCV Swing Band: Β±4.2%
Deterministic 5-Pillar Attribution (67/100 Composite)
πŸ” WHY WABC SCORES 67/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy β€’ Cannibal Buyback (-2.64% YoY Shares)

β–² #2 Bullish Driver: Cash Engine Quality+13/20 pts (19% of score)

SEC XBRL FY 2025 (10-K): 4.8% FCF Margin ($119.7M FCF) & 52% Gross Margin

β–Ό #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (51.9) create a -8 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$58.63+4% Next Q
Q2 (-2Q)
62
Grade C+$61.00+0.9% Next Q
Q3 (-1Q)
64
Grade C+$61.55-0.5% Next Q
Current
67
Grade C+$61.24+1.6% Hist 90D Ξ±
Trajectory: C (59) β†’ C+ (67)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the WABC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 67/100 (C+) score, WABC faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($59.63) or 200D SMA ($56.17) invalidates the momentum regime and cuts Target Base ($63.72) toward Bear Floor ($49.70).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WABCβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œWABC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How WABC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$119.7M (4.8% FCF Margin)
Revenue$2.50BGross Profit $1.30B (52%)Cost of Sales $1.20BOp Profit $0 (0%)OpEx (R&D/SG&A) $1.30BNet Profit$116.2M (4.6%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $728.0M
FY24
Rev $2.55B
FY25
Rev $2.50B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$2.50B52%0%$116.2M$119.7M12.4%
FY 2024$2.55B52%0%$138.6M$139.8M12.4%
FY 2023$728.0M46.7%0%$161.8M$158.2M12.4%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WABC)

  • βœ“Walkthrough of WABC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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WABC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.88%β–² ASCENDING CHANNEL
2026-11-03O $61.40H $61.40L $60.73C $61.24VOL 143.3K
RES: $63.15SUP: $56.45SMA50: $59.63SMA200: $56.17
$64.58$60.57$56.56$52.55$48.55RES $63.15SUP $56.45$61.242026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WABC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ WABC Butterfly Map β†’ + Track WABC β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.8%/yr Implied 5Y Growth

vs. -1.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on WABC today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for WABC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for WABC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WABC)

Financials Rank #173 of 1097 βš”οΈ PEBO vs WABC Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (WABC vs. PEBO, BHRB, TMP, FMBH)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Westamerica Bancorporation (WABC) ranks #173 by composite RQD confidence (67/100, grade C+) and #501 by equity capitalization ($1.40B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and β€” gross margin. PEBO currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with WABC at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
WABC ACTIVE
Westamerica Bancorporation
C+ 67/100 12.2x β€” 12.4% +1.64% $1.40B Benchmark Subject
PEBO
Peoples Bancorp Inc.
C+ 69/100 13.1x β€” 10.5% +3.54% $1.39B /pebo-vs-wabc β†’
BHRB
Burke & Herbert Financial Services Corp.
C 64/100 12.2x β€” 13.7% +2.23% $1.42B /bhrb-vs-wabc β†’
TMP
Tompkins Financial Corporation
C- 59/100 9.1x β€” 17.2% +1.97% $1.43B /tmp-vs-wabc β†’
FMBH
First Mid Bancshares Inc.
C+ 66/100 14.8x β€” 9.6% +2.12% $1.34B /fmbh-vs-wabc β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000311094 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Westamerica Bancorporation (WABC) reported GAAP revenue of $2.50B (-1.9% vs. FY2024 revenue of $2.55B , and +243.9% cumulative change since FY2023) , GAAP net income of $116.2M, operating cash flow of $121.9M, and free cash flow of $119.7M (-14.4% YoY). On the balance sheet, WABC closed FY2025 with $5.96B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.50B $116.2M $121.9M $119.7M $5.96B β€”
FY2024 (FY) 2024-12-31 $2.55B $138.6M $141.6M $139.8M $6.08B β€”
FY2023 (FY) 2023-12-31 $728.0M $161.8M $158.2M $158.2M β€” β€”

3. WABC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WABC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Westamerica Bancorporation (NASDAQ: WABC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $61.24 (+1.64% 1D, market cap $1.40B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, WABC ranks #173 in composite RQD confidence.

How does WABC compare to PEBO and BHRB in the Financials sector?

Within the Financials sector (Major Banks), WABC carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of β€”, and ROIC of 12.4%. By comparison, PEBO (Peoples Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.1x, ROIC 10.5%, cap $1.39B) and BHRB (Burke & Herbert Financial Services Corp.) posts a C grade (64/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WABC?

Per WABC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000311094), Westamerica Bancorporation generated $2.50B in revenue (-1.9% YoY), $116.2M in net income, and $119.7M in free cash flow against $5.96B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WABC trading relative to its 50-day, 200-day, and 52-week technical levels?

WABC last traded at $61.24 (+1.64% on volume of 167,477 shares), positioning the stock +2.70% above its 50-day simple moving average ($59.63) and +9.03% above its 200-day simple moving average ($56.17). Across its 52-week range of $46.23 to $63.61, WABC sits at the 86.4% percentile with a 14-day RSI of 51.9 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.2% ($58.67 to $63.81).

Direct Sub-Reports: WABC RQD Cockpit WABC 12M Forecast WABC Earnings & Move WABC Dividends & DRIP WABC Insiders & 13F WABC Whale Options WABC Profit Sankey WABC News & Why
ROARABLE RATING BRIEF β€’ RQD 67/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

WABC β€” Westamerica Bancorporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Westamerica Bancorporation (WABC) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $61.24 (+1.64% 1D, market capitalization $1.40B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 12.4%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 8.43%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Westamerica Bancorporation is a NASDAQ-listed issuer classified under the Financials sector and Major Banks industry. Its market capitalization is listed at $1.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Westamerica Bancorporation (WABC) reported $2.50B in annual revenue (up from $2.55B in FY2024, -1.9% YoY) and $116.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($728.0M revenue, $161.8M net income) through FY2025, WABC scaled operating cash flow to $121.9M and free cash flow to $119.7M, backed by $5.96B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.43% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $46.23 – $63.61 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.2x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), WABC carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can WABC sustain or expand its β€” operating margin and 12.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.50B and free cash flow of $119.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is WABC's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

WABC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Westamerica Bancorporation (WABC) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to WABC Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WABC Bull vs. Bear Conversation Board β€” What's Your Call at $61.24?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WABC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on WABC:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER β€’ Options Flow Specialist πŸ‚ BULLISH 🎯 Target: $70.45 (+16.0%)
πŸ“Œ Pinned Debate

Insider conviction scores 17/20 and the 8.43% FCF yield with 12.4% ROIC sits alongside a 12.2 TTM P/E.

Picked up a starter position in WABC in my $100K Virtual Cash book at $60.73. Insider conviction scores 17/20 and the 8.43% FCF yield with 12.4% ROIC sits alongside a 12.2 TTM P/E.. Trading inside a $46.23–$63.61 52-week range with 8.43% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

RetailWhale_TX πŸ‚ BULL

@RiskArb_Desk Shorting a 12/20 institutional whale-flow stock at $60.73 is dangerous when funds are rotating into Financials.

RI RiskArb_Desk RQD DEBATE OPENER β€’ Hedged Event Driven 🐻 BEARISH 🎯 Target: $51.01 (-16.0%)
Spot @ $60.73

Reported net income fell from $161.8M in FY 2023 to $116.2M in FY 2025 while the Piotroski F-Score is only 4/9.

Here is the bear case nobody on the bull side wants to address on WABC: Reported net income fell from $161.8M in FY 2023 to $116.2M in FY 2025 while the Piotroski F-Score is only 4/9.. At 12.2x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

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