Westamerica Bancorporation (WABC) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Westamerica Bancorporation reported revenue of $258.1M, down 12.2% from $293.8M the year before. Net income was $116.2M (a 45.0% net margin), or $4.52 per diluted share. Net interest income was $217.3M, and the efficiency ratio (noninterest expense / revenue) was 39.5%. Operating activities generated $121.9M of cash, leaving $119.7M of free cash flow. At fiscal year end, Westamerica Bancorporation held $5.96B in total assets against $5.03B in total liabilities.
Open the full interactive Westamerica Bancorporation financials → Quarterly statements, key ratios, valuation history and price charts.
Westamerica Bancorporation Key Stats
| Share Price | $58.63 |
|---|---|
| Market Cap | $1.37B |
| P/E Ratio | 13.0 |
| Revenue YoY Growth | -12.2% |
| 52-Week Range | $44.20 – $61.96 |
| Shares Outstanding | 23.3 million (basic, 2026 Q2) |
Westamerica Bancorporation Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $164.0M | $171.5M | $219.8M | $280.1M | $250.6M | $217.3M |
| Provision for Credit Losses | $4.3M | $0 | $6,000 | -$1.1M | $300,000 | -$550,000 |
| Noninterest Income | $45.6M | $43.3M | $45.1M | $43.5M | $43.2M | $40.8M |
| Noninterest Expense | $98.6M | $97.8M | $99.4M | $103.2M | $104.4M | $101.9M |
| Revenue | $209.7M | $214.8M | $265.0M | $323.6M | $293.8M | $258.1M |
| Pre-Tax Income | $106.8M | $117.0M | $165.6M | $221.6M | $189.1M | $156.7M |
| Income Tax | $26.4M | $30.5M | $43.6M | $59.8M | $50.4M | $40.5M |
| Net Income | $80.4M | $86.5M | $122.0M | $161.8M | $138.6M | $116.2M |
| Diluted EPS | $2.98 | $3.22 | $4.54 | $6.06 | $5.20 | $4.52 |
Westamerica Bancorporation Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $63.7M | $63.3M | $62.1M | $62.8M |
| Net Income | $28.3M | $27.8M | $27.4M | $27.4M |
| Diluted EPS | $1.12 | $1.08 | $1.13 | $1.17 |
Westamerica Bancorporation Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | — | — | — | — | $714.9M |
| Total Assets | $6.75B | $7.46B | $6.95B | $6.36B | $6.08B | $5.96B |
| Deposits | $5.69B | $6.41B | $6.23B | $5.47B | $5.01B | $4.84B |
| Total Liabilities | $5.90B | $6.63B | $6.35B | $5.59B | $5.19B | $5.03B |
| Shareholders' Equity | $844.8M | $827.1M | $602.1M | $772.9M | $890.0M | $933.5M |
Westamerica Bancorporation Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $107.7M | $88.7M | $113.7M | $158.2M | $141.6M | $121.9M |
| Cash From Investing | -$748.9M | -$306.1M | -$631.3M | $547.3M | $715.7M | $149.6M |
| Cash From Financing | $889.0M | $728.2M | -$320.3M | -$809.4M | -$446.1M | -$305.2M |
| Free Cash Flow | $105.5M | $87.4M | $112.9M | $157.0M | $139.8M | $119.7M |
Figures from Westamerica Bancorporation's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Westamerica Bancorporation financials page for every line item.
Westamerica Bancorporation Company Profile
| Ticker | WABC |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | San Rafael, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000311094 |
Frequently Asked Questions
What was Westamerica Bancorporation's revenue in fiscal 2025?
Westamerica Bancorporation (WABC) reported revenue of $258.1M for fiscal 2025.
What is Westamerica Bancorporation's annual revenue history?
Westamerica Bancorporation's annual revenue by fiscal year: 2020: $209.7M; 2021: $214.8M; 2022: $265.0M; 2023: $323.6M; 2024: $293.8M; 2025: $258.1M.
What was Westamerica Bancorporation's net income in fiscal 2025?
Westamerica Bancorporation reported net income of $116.2M for fiscal 2025.
What was Westamerica Bancorporation's earnings per share (EPS) in fiscal 2025?
Westamerica Bancorporation's diluted EPS was $4.52 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Westamerica Bancorporation generate in fiscal 2025?
Westamerica Bancorporation generated $119.7M of free cash flow in fiscal 2025.
What was Westamerica Bancorporation's revenue last quarter?
In its most recent reported quarter (2026 Q2), Westamerica Bancorporation reported revenue of $62.8M.
How many shares of Westamerica Bancorporation are outstanding?
Westamerica Bancorporation reported a weighted average of 23.3 million basic shares outstanding in 2026 Q2.
What is Westamerica Bancorporation's market cap?
Based on its latest closing price, Westamerica Bancorporation (WABC) has a market capitalization of about $1.37B.
When does Westamerica Bancorporation's fiscal year end?
Westamerica Bancorporation's fiscal year end, as registered with the SEC, is December 31.
Where is Westamerica Bancorporation headquartered?
Westamerica Bancorporation lists its business address in San Rafael, California in its SEC filings.