Westamerica Bancorporation (WABC)

Westamerica Bancorporation reported its Q1, Q2, and Q3 2025 earnings, often beating analyst estimates for EPS despite some revenue declines. The company declared quarterly cash dividends of $0.46 per share in April and July 2025. Analyst ratings have seen adjustments, with Keefe, Bruyette & Woods maintaining a "Market Perform" rating while lowering price targets and Wall Street Zen downgrading the stock from "hold" to "sell" in October 2025. Westamerica Bancorporation completed a share repurchase program, buying back 6% of its outstanding shares. The stock's performance has been muted, with a year-to-date decline of 8.2% and a one-year total shareholder return of -5.2% as of October 22, 2025.

While there is a mention of "WABC Seasonality" displaying mean and median monthly returns for the stock to identify seasonal patterns, specific information regarding the demand seasonality for Westamerica Bancorporation’s products and services was not explicitly detailed. General risk factors for banks can include decreases in demand for loans and other products and services.

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank, providing banking products and services to individuals and commercial customers in Northern and Central California. The company offers deposit products like savings, checking accounts, and certificates of deposit. Its loan portfolio includes commercial, real estate, construction, consumer installment, and indirect automobile loans, catering to small businesses, professionals, and consumers.

The company's operations are concentrated in the United States, specifically across 20 Northern and Central California counties, extending from Mendocino County to Kern County, and eastward to Nevada County.

Westamerica Bancorporation is recognized as a healthy community banking company, known for its exceptional asset quality and capital ratios that exceed regulatory standards. No specific events significantly impacting Westamerica Bancorporation's brand reputation were found within the past year.

Institutional investors hold a significant stake in Westamerica Bancorporation, owning approximately 81% of the company. Major institutional owners include BlackRock, Inc. (15%), The Vanguard Group, Inc. (13%), and American Century Investment Management Inc. (7.3%). CEO David Payne is also a notable individual owner, holding 4.4% of the company's shares.