Westamerica Bancorporation (WABC) Stock Score, Valuation & Financial Research
Westamerica Bancorporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 44/100.
Quick answer for WABC
Westamerica Bancorporation currently has a Wall Street Score of 44/100. The stored market price is $59.09. Its financial score is 53/100. Its valuation score is 26/100. These figures are a research snapshot, not a buy or sell recommendation.
What Westamerica Bancorporation does
Westamerica Bancorporation (WABC) functions as a bank holding company, overseeing Westamerica Bank. Through its subsidiary, it delivers a comprehensive suite of financial products and services to both individual consumers and commercial enterprises. Its deposit offerings cater to retail customers, encompassing savings accounts, checking accounts, and certificates of deposit. The institution's lending activities are diverse, featuring commercial loans, financing for both commercial and residential real estate, construction loans, consumer installment loans, and indirect automobile lending. Geographically, WABC maintains a presence across 21 counties in Northern and Central California, operating 78 branch locations. Incorporated in 1972, the company was initially known as Independent Bankshares Corporation. It adopted its current name, Westamerica Bancorporation, in 1983. Its corporate hea
WABC financial snapshot
- Wall Street Score:
- 44/100
- Current price:
- $59.09
- Market capitalization:
- $1.39B
- Revenue:
- $265.7M
- Net income:
- $110.8M
- Free cash flow:
- $119.7M
- Cash:
- $301.9M
- Total debt:
- $131.8M
- EPS:
- 4.53
- P/E ratio:
- 13.0x
- Financial score:
- 53/100
- Valuation score:
- 26/100
- Revenue score:
- 26/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $119.7M, showing positive cash generation.
- The balance sheet shows $301.9M of cash versus $131.8M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 26/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 53/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research WABC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.