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.
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.
Within the Financials sector (Major Banks), WABC carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of —, 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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 4.8% FCF Margin ($119.7M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (51.9) create a -8 pt regime headwind
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Westamerica Bancorporation (WABC) advanced +1.64% to $61.24, trading at 86% of its 52-week range ($46.23 – $63.61). Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.
SAN RAFAEL, Calif., Oct. 22, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Westamerica Bancorporation (NASDAQ: WABC) today declared a quarterly cash dividend of $0.48 per share on common stock outstanding to shareho
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -1.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WABC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WABC. Explore sector supply chains on /butterfly.
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 — 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 | — | 12.4% | +1.64% | $1.40B | Benchmark Subject |
| PEBO Peoples Bancorp Inc. | C+ | 69/100 | 13.1x | — | 10.5% | +3.54% | $1.39B | /pebo-vs-wabc → |
| BHRB Burke & Herbert Financial Services Corp. | C | 64/100 | 12.2x | — | 13.7% | +2.23% | $1.42B | /bhrb-vs-wabc → |
| TMP Tompkins Financial Corporation | C- | 59/100 | 9.1x | — | 17.2% | +1.97% | $1.43B | /tmp-vs-wabc → |
| FMBH First Mid Bancshares Inc. | C+ | 66/100 | 14.8x | — | 9.6% | +2.12% | $1.34B | /fmbh-vs-wabc → |
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 | — |
| FY2024 (FY) | 2024-12-31 | $2.55B | $138.6M | $141.6M | $139.8M | $6.08B | — |
| FY2023 (FY) | 2023-12-31 | $728.0M | $161.8M | $158.2M | $158.2M | — | — |
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.
Within the Financials sector (Major Banks), WABC carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of —, 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).
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.
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 ±4.2% ($58.67 to $63.81).
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).
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.
Operating in Major Banks (Financials), WABC carries a macro regime beta of 1.00 and gross margin of —.
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Yahoo Finance report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Westamerica Bancorporation (WABC) market action, institutional positioning, and fundamental catalysts.
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.
@RiskArb_Desk Shorting a 12/20 institutional whale-flow stock at $60.73 is dangerous when funds are rotating into Financials.
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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