WESTAMERICA BANCORPORATION (WABC)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue63,309,000$63,740,000$64,593,000$66,416,000$69,569,000$74,074,000$74,265,000$75,842,000$80,365,000$82,996,000$80,582,000$79,702,000$79,186,000$72,133,000$58,778,000$54,855,000$53,379,000$54,600,000$54,824,000$52,030,000$56,439,000$51,375,000$50,658,000$51,197,000$51,159,000$51,049,000$51,427,000$50,568,000$50,831,000$50,615,000$48,656,000$47,811,000$55,307,000$46,698,000$45,730,000$45,305,000$44,760,000$45,030,000$45,409,000$45,178,000$44,630,000$45,707,000$46,077,000$45,558,000$46,087,000$47,108,000$47,701,000$47,656,000$
QoQ%(.68%)(1.32%)(2.75%)(4.53%)(6.08%)(.26%)(2.08%)(5.63%)(3.17%)3.00%1.10%.65%9.78%22.72%7.15%2.77%(2.24%)(.41%)5.37%(7.81%)9.86%1.42%(1.05%).07%.22%(.74%)1.70%(.52%).43%4.03%1.77%(13.55%)18.44%2.12%.94%1.22%(.60%)(.84%).51%1.23%(2.36%)(.80%)1.14%(1.15%)(2.17%)(1.24%).09%(4.14%)
YoY%(9.00%)(13.95%)(13.02%)(12.43%)(13.43%)(10.75%)(7.84%)(4.84%)1.49%15.06%37.10%45.30%48.35%32.11%7.21%5.43%(5.42%)6.28%8.22%1.63%10.32%.64%(1.50%)1.24%.65%.86%5.70%5.77%(8.09%)8.39%6.40%5.53%23.56%3.70%.71%.28%.29%(1.48%)(1.45%)(.83%)(3.16%)(2.97%)(3.41%)(4.40%)(7.29%)(7.99%)(8.85%)(10.91%)
Cost Of Revenue0$0$0$(550,000$)0$0$0$300,000$0$400,000$0$(1,550,000$)0$0$0$0$0$2,000$0$0$0$0$0$4,300,000$0$0$0$0$0$0$0$0$0$0$(1,900,000$)0$0$(3,200,000$)0$0$0$0$0$0$200,000$600,000$1,000,000$1,000,000$
Gross Profit63,309,000$63,740,000$64,593,000$66,966,000$69,569,000$74,074,000$74,265,000$75,542,000$80,365,000$82,596,000$80,582,000$81,252,000$79,186,000$72,133,000$58,778,000$54,855,000$53,379,000$54,598,000$54,824,000$52,030,000$56,439,000$51,375,000$50,658,000$46,897,000$51,159,000$51,049,000$51,427,000$50,568,000$50,831,000$50,615,000$48,656,000$47,811,000$55,307,000$46,698,000$47,630,000$45,305,000$44,760,000$48,230,000$45,409,000$45,178,000$44,630,000$45,707,000$46,077,000$45,558,000$45,887,000$46,508,000$46,701,000$46,656,000$
Gross Margin100.00%100.00%100.00%100.83%100.00%100.00%100.00%99.60%100.00%99.52%100.00%101.95%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%91.60%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%104.16%100.00%100.00%107.11%100.00%100.00%100.00%100.00%100.00%100.00%99.57%98.73%97.90%97.90%
Operating Expenses25,466,000$25,800,000$25,529,000$25,127,000$25,853,000$26,309,000$26,130,000$26,099,000$25,517,000$25,650,000$25,839,000$26,210,000$25,090,000$24,767,000$24,629,000$24,875,000$23,912,000$24,697,000$24,291,000$24,906,000$24,545,000$24,603,000$24,754,000$24,664,000$24,209,000$24,033,000$25,561,000$25,183,000$25,787,000$29,366,000$25,741,000$26,022,000$31,441,000$25,592,000$25,316,000$25,419,000$25,083,000$26,575,000$25,750,000$26,212,000$25,504,000$26,173,000$26,896,000$26,727,000$26,353,000$26,616,000$26,957,000$26,873,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses3,482,000$3,645,000$3,189,000$3,396,000$3,466,000$5,645,000$5,307,000$3,001,000$1,679,000$1,133,000$607,000$471,000$475,000$487,000$483,000$480,000$504,000$492,000$484,000$475,000$481,000$466,000$435,000$442,000$451,000$455,000$487,000$494,000$514,000$527,000$459,000$459,000$471,000$473,000$476,000$480,000$500,000$523,000$541,000$552,000$563,000$585,000$617,000$659,000$800,000$846,000$900,000$898,000$
Income Before Tax37,843,000$37,940,000$39,064,000$41,839,000$43,716,000$47,765,000$48,135,000$49,443,000$54,848,000$56,946,000$54,743,000$55,042,000$54,096,000$47,366,000$34,149,000$29,980,000$29,467,000$29,903,000$30,533,000$27,124,000$31,894,000$26,772,000$25,904,000$22,233,000$26,950,000$27,016,000$25,866,000$25,385,000$25,044,000$21,249,000$22,915,000$21,789,000$23,866,000$21,106,000$22,314,000$19,886,000$19,677,000$21,655,000$19,659,000$18,966,000$19,126,000$19,534,000$19,181,000$18,831,000$19,534,000$19,892,000$19,744,000$19,783,000$
Tax Expenses10,036,000$9,677,000$9,998,000$10,802,000$12,016,000$12,708,000$12,673,000$13,026,000$15,380,000$15,345,000$14,495,000$14,591,000$14,752,000$12,606,000$8,835,000$7,364,000$7,747,000$7,840,000$7,954,000$6,977,000$8,056,000$6,721,000$6,342,000$5,271,000$6,222,000$6,626,000$6,241,000$5,739,000$5,989,000$4,256,000$4,905,000$4,283,000$19,706,000$6,089,000$6,515,000$4,837,000$5,224,000$6,027,000$5,113,000$4,740,000$4,548,000$4,677,000$4,420,000$4,274,000$4,506,000$4,738,000$4,587,000$4,476,000$
Net Income27,807,000$28,263,000$29,066,000$31,037,000$31,700,000$35,057,000$35,462,000$36,417,000$39,468,000$41,601,000$40,248,000$40,451,000$39,344,000$34,760,000$25,314,000$22,616,000$21,720,000$22,063,000$22,579,000$20,147,000$23,838,000$20,051,000$19,562,000$16,962,000$20,728,000$20,390,000$19,625,000$19,646,000$19,055,000$16,993,000$18,010,000$17,506,000$4,160,000$15,017,000$15,799,000$15,049,000$14,453,000$15,628,000$14,546,000$14,226,000$14,578,000$14,857,000$14,761,000$14,557,000$15,028,000$15,154,000$15,157,000$15,307,000$
Profit Margin43.92%44.34%45.00%46.73%45.57%47.33%47.75%48.02%49.11%50.12%49.95%50.75%49.69%48.19%43.07%41.23%40.69%40.41%41.19%38.72%42.24%39.03%38.62%33.13%40.52%39.94%38.16%38.85%37.49%33.57%37.02%36.62%7.52%32.16%34.55%33.22%32.29%34.71%32.03%31.49%32.66%32.51%32.04%31.95%32.61%32.17%31.78%32.12%
TTM45.02%45.43%46.19%46.87%47.20%48.07%48.79%49.33%49.98%50.13%49.68%48.26%46.06%43.66%41.38%40.88%40.27%40.68%40.35%39.71%38.35%37.82%38.05%37.94%39.37%38.61%37.02%36.73%36.16%28.00%27.56%26.84%25.91%33.05%33.70%33.06%32.63%32.72%32.17%32.17%32.29%32.28%32.19%32.12%32.16%32.09%32.23%32.46%
Earnings to Minority
Earnings to Common Shareholders27,807,000$28,263,000$29,066,000$31,037,000$31,700,000$35,057,000$35,462,000$36,417,000$39,468,000$41,601,000$40,248,000$40,451,000$39,344,000$34,760,000$25,314,000$22,616,000$21,720,000$22,063,000$22,579,000$20,147,000$23,838,000$20,051,000$19,562,000$16,962,000$20,728,000$20,390,000$19,625,000$19,646,000$19,055,000$16,993,000$18,010,000$17,506,000$4,160,000$15,017,000$15,799,000$15,049,000$14,453,000$15,628,000$14,546,000$14,226,000$14,578,000$14,857,000$14,761,000$14,557,000$15,028,000$15,154,000$15,157,000$15,307,000$
QoQ%(1.61%)(2.76%)(6.35%)(2.09%)(9.58%)(1.14%)(2.62%)(7.73%)(5.13%)3.36%(.50%)2.81%13.19%37.32%11.93%4.13%(1.56%)(2.29%)12.07%(15.48%)18.89%2.50%15.33%(18.17%)1.66%3.90%(.11%)3.10%12.13%(5.65%)2.88%320.82%(72.30%)(4.95%)4.98%4.12%(7.52%)7.44%2.25%(2.42%)(1.88%).65%1.40%(3.13%)(.83%)(.02%)(.98%)(4.67%)
YoY%(12.28%)(19.38%)(18.04%)(14.77%)(19.68%)(15.73%)(11.89%)(9.97%).32%19.68%59.00%78.86%81.14%57.55%12.11%12.26%(8.89%)10.03%15.42%18.78%15.00%(1.66%)(.32%)(13.66%)8.78%19.99%8.97%12.22%358.05%13.16%14.00%16.33%(71.22%)(3.91%)8.61%5.79%(.86%)5.19%(1.46%)(2.27%)(2.99%)(1.96%)(2.61%)(4.90%)(6.40%)(9.46%)(11.43%)(11.37%)
Earnings Per Share, Basic1.12$1.12$1.12$1.16$1.19$1.31$1.33$1.37$1.48$1.56$1.51$1.51$1.46$1.29$0.94$0.84$0.81$0.82$0.84$0.75$0.89$0.74$0.73$0.63$0.77$0.76$0.73$0.73$0.71$0.64$0.68$0.66$0.16$0.57$0.60$0.58$0.56$0.61$0.57$0.56$0.57$0.58$0.58$0.57$0.58$0.58$0.58$0.58$
Earnings Per Share, Diluted1.12$1.12$1.12$1.16$1.19$1.31$1.33$1.37$1.48$1.56$1.51$1.51$1.46$1.29$0.94$0.84$0.81$0.82$0.84$0.75$0.89$0.74$0.73$0.63$0.76$0.75$0.73$0.73$0.71$0.63$0.67$0.66$0.16$0.57$0.60$0.57$0.56$0.61$0.57$0.56$0.57$0.58$0.58$0.57$0.58$0.58$0.58$0.58$
Unlevered FCF Per Share, Basic1.05$1.13$0.88$1.58$1.09$1.50$0.70$1.95$(0.31$)2.18$1.97$2.03$1.55$1.09$0.38$1.18$0.65$0.95$0.47$1.20$0.41$1.11$0.44$1.95$0.54$0.89$0.56$0.86$0.60$1.12$0.85$0.94$0.57$0.55$0.95$0.70$0.48$0.82$0.65$0.62$0.88$0.46$0.39$1.27$
Unlevered FCF Per Share, Diluted1.05$1.13$0.88$1.58$1.09$1.50$0.70$1.95$(0.31$)2.18$1.97$2.03$1.55$1.09$0.38$1.18$0.64$0.95$0.47$1.20$0.41$1.11$0.44$1.94$0.54$0.89$0.56$0.86$0.59$1.12$0.84$0.94$0.56$0.55$0.94$0.69$0.48$0.82$0.65$0.62$0.87$0.46$0.39$1.27$
Average Shares, Basic24,824,00025,341,00025,889,00026,642,00026,701,00026,685,00026,680,00026,674,00026,657,00026,648,00026,648,00026,859,00026,915,00026,906,00026,889,00026,870,00026,868,00026,866,00026,865,00026,821,00026,835,00026,930,00026,935,00027,068,00027,055,00026,986,00026,942,00026,841,00026,733,00026,701,00026,630,00026,532,00026,385,00026,309,00026,299,00026,171,00025,776,00025,641,00025,586,00025,445,00025,525,00025,530,00025,514,00025,651,00025,815,00025,973,00026,175,00026,433,000
Average Shares, Diluted24,824,00025,341,00025,889,00026,642,00026,702,00026,686,00026,681,00026,675,00026,660,00026,650,00026,648,00026,866,00026,926,00026,916,00026,901,00026,885,00026,876,00026,875,00026,887,00026,842,00026,804,00026,946,00026,951,00027,139,00027,098,00027,027,00026,987,00026,912,00026,816,00026,815,00026,728,00026,665,00026,541,00026,404,00026,402,00026,329,00025,927,00025,687,00025,630,00025,468,00025,552,00025,565,00025,536,00025,655,00025,849,00026,016,00026,238,00026,537,000
EBIT41,325,000$41,585,000$42,253,000$45,235,000$47,182,000$53,410,000$53,442,000$52,444,000$56,527,000$58,079,000$55,350,000$55,513,000$54,571,000$47,853,000$34,632,000$30,460,000$29,971,000$30,395,000$31,017,000$27,599,000$32,375,000$27,238,000$26,339,000$22,675,000$27,401,000$27,471,000$26,353,000$25,879,000$25,558,000$21,776,000$23,374,000$22,248,000$24,337,000$21,579,000$22,790,000$20,366,000$20,177,000$22,178,000$20,200,000$19,518,000$19,689,000$20,119,000$19,798,000$19,490,000$20,334,000$20,738,000$20,644,000$20,681,000$
EBITDA41,325,000$41,585,000$42,253,000$45,235,000$47,182,000$53,410,000$53,442,000$52,444,000$56,527,000$58,079,000$55,350,000$55,513,000$54,571,000$47,853,000$34,632,000$30,460,000$29,971,000$30,395,000$31,017,000$27,599,000$32,375,000$27,238,000$26,339,000$22,675,000$27,401,000$27,471,000$26,353,000$25,879,000$25,558,000$21,776,000$23,374,000$22,248,000$24,337,000$21,579,000$22,790,000$20,366,000$20,177,000$22,178,000$20,200,000$19,518,000$19,689,000$20,119,000$19,798,000$19,490,000$20,334,000$20,738,000$20,644,000$20,681,000$