Westamerica Bancorporation (WABC) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

Westamerica Bancorporation (WABC) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

WABC

Market Closed

Westamerica Bancorporation

NASDAQFinancial Services Banks - Regional

627 employees

CEO: David L. Payne

Founded: 1980

$59.02

+$0.00(+NaN%)

Market Cap

1.39B

Beta

0.55

52W Range

N/A

Dividend Yield

3.15%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

95.2%

-11.8%

CAGR: 4.8%

Profit after direct costs

Operating Margin

57.6%

-17.1%

CAGR: 7.6%

Core business profitability

Net Margin

42.7%

-16.2%

CAGR: 7.6%

Bottom line profitability

Revenue Growth

-12.6%

YoY

CAGR: 5.8%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how WABC allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

95.2%

$258.70M

Operating Margin

57.6%

$156.69M

Net Margin

42.7%

$116.17M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	216.79M	266.88M	327.54M	311.17M	271.84M	-12.6%
Cost of Revenue	(1.96M)	(1.93M)	(2.74M)	(17.72M)	(13.16M)	-25.7%
Gross Profit	214.83M	264.95M	324.80M	293.45M	258.70M	-11.8%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(48.01M)	(46.13M)	(47.87M)	(50.29M)	(70.75M)	40.7%
General & Administrative	(48.01M)	(46.13M)	(47.87M)	(50.29M)	(70.75M)	40.7%
Depreciation & Amortization	(16.62M)	(16.57M)	(11.77M)	(10.40M)	(6.10M)	-41.4%
Operating Income (EBIT)	117.03M	165.59M	221.58M	189.06M	156.69M	-17.1%
Non-Operating Items
Interest Income	173.44M	221.76M	284.01M	268.01M	230.98M	-13.8%
Interest Expense	(1.96M)	(1.93M)	(3.89M)	(17.42M)	(13.71M)	-21.3%
Other Income/Expenses (Net)	—	—	—	—	—	—
Income Before Tax	117.03M	165.59M	221.58M	189.06M	156.69M	-17.1%
Income Tax Expense	(30.52M)	(43.56M)	(59.81M)	(50.42M)	(40.51M)	-19.7%
Net Income	86.51M	122.03M	161.77M	138.64M	116.17M	-16.2%
Per Share Metrics
Earnings Per Share (Basic)	$3	$5	$6	$5	$5	-12.9%
Weighted Avg Shares Outstanding	26.86M	26.89M	26.70M	26.68M	24.85M	-6.9%
Weighted Avg Shares Outstanding (Diluted)	26.87M	26.91M	26.71M	26.69M	24.85M	-6.9%
EBITDA	133.64M	182.16M	233.35M	199.46M	162.78M	-18.4%

Explore WABC

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

WABC in the Financial Services

Small Cap

Financial Services

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Banks - Regional

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