WABC
Westamerica Bancorporation Common StockFinance · ·
$59.67
▼ $0.44 (-0.7%)
Market Cap
$1.38B
Day Range
$59.61 - $60.75
52-Week Range
$44.93 - $63.61
Beta
—
Next Earnings
—
🏢 Similar Stocks in the Same Sector
+26.9% (1Y)
This score and all analysis on this page are for informational and educational purposes only and do not constitute investment advice. Read the full disclaimer
Weighted: Technical 25% · Fundamental 20% · Growth 15% · Valuation 15% · News 10% · Quality 10% · Risk 5%
🔍 Cross-Check
Overall Score
🟡 Mixed
Technical Trend
🟡 Mixed
Insiders
🟡 Mixed
✅ Why is the score relatively high?
- 🟢 Estimated fair value: $81.59 vs. price $59.67 (+36.7%)
- 🟢 Debt/equity: 0.15
- 🟢 Price is above the 50-day average
- 🟢 Price is above the 200-day average
- 🟢 RSI 54.0 — healthy positive momentum
⚠️ What's concerning?
- 🔴 Earnings per share (EPS) growth: -13.1%
- 🔴 Free cash flow growth: -14.4%
- 🔴 Net income growth: -16.2%
- 🔴 MACD histogram is negative — falling momentum
- 🔴 Price is below the SAR point — downtrend
🚦 Quality & Risk Checks
📰 News Trend
Based on real financial news (Finnhub)Everyone's writing about Westamerica Bancorporation Common Stock. News trend score: 20. Reason: 5 of the last 7 articles are negative, versus 0 positive.
News trend analysis is based on article sentiment only, and is not investment advice or financial counsel. Read the full disclaimer
📈 Technical Analysis
Based on the last 251 trading days, calculated from real price data. Click an indicator for details and a chart.
🟡 Indicators are mixed — no clear bias (5 bullish · 5 bearish · 2 neutral)
Conclusions
- 🟢Price vs. SMA 50 — Price is above the 50-day average
- 🟢Price vs. SMA 200 — Price is above the 200-day average
- 🔴MACD — MACD histogram is negative — falling momentum
- 🟢RSI — RSI 54.0 — healthy positive momentum
- 🟡Stochastic — %K 51.7 — neutral range
- 🟡ADX (trend strength) — ADX 19.3 — weak trend/choppy
- 🔴Volume trend — Volume is falling despite the price advance — possible weakening
- 🟢Relative strength vs. S&P 500 — +5.1% over the last 3 months relative to the index
- 🔴Volatility (ATR) — Short-term volatility is significantly above average — elevated risk
- 🔴ROC (rate of change) — ROC 12 days: -2.1%
- 🔴Parabolic SAR — Price is below the SAR point — downtrend
- 🟢CMF (money flow) — CMF 20 days: 0.08
Wyckoff Method Analysis
A market-structure read based purely on real price and volume data — not full classic Wyckoff schematic identification (Phase A-E), but a quantitative analysis of what can reliably be computed: trading ranges, "effort vs. result", volume within the range, and Spring/Upthrust detection.
The stock is in a clear uptrend with no defined trading range in the period examined.
Medium confidence
Evidence Behind This Read
- 🟢Rising price trend — A 7.3% change over the last 50 days, with no defined trading range.
The Wyckoff Method, developed by Richard Wyckoff in the early 20th century, reads the balance of supply and demand through price and volume, based on the premise that large investors ("smart money") quietly accumulate shares before rallies and quietly distribute them before declines. The read here is based solely on real price and volume data — full, precise identification of classic Wyckoff patterns (such as Phases A-E) requires human chart-reading experience and judgment, so this is an approximate algorithmic read, not a substitute for professional analysis. This should not be considered investment advice.
🎯 Trade Planning (M.A.E.E Framework)
Based on a mechanical trading method: market structure → value zone → ATR-based exit point. Not investment advice — a calculation tool only.
1️⃣ Market Structure
🟢 Uptrend
The price is above the 200-day average — per the market-structure method, this environment mainly favors looking for buying (Long) opportunities.
2️⃣ Value Zone
🟢 Price in value zone
The price is close to the 50-day moving average — per the method, this is a reasonable area to look for an entry, rather than chasing the price far from it.
3️⃣ Suggested Exit Point (ATR-based)
Method formula: Stop-loss = support minusone ATR margin — this way the stop adapts to the stock's actual volatility, rather than an arbitrary number.
Entry
$60.11
Stop-Loss
$52.87
Risk per Share
$7.24
Direction
Long
Profit Targets by Risk/Reward Ratio (R)
1:2 R
$74.59
1:3 R
$81.83
1:5 R
$96.30
💰 Position Size Calculator
A core principle of the method: never risk a fixed dollar amount — risk a fixed percentage of equity, and let the position size vary according to the risk per share.
Suggested Position Size
13 sh.
💰 Financial Health
Profitability
Gross Margin
—
Operating Margin
—
Net Margin
—
EBITDA Margin
—
Efficiency
ROE
12.4%
ROA
1.9%
ROIC
—
EPS
$4.52
Balance Sheet
Cash
—
Total Debt
$137.30M
Current Ratio
—
Debt/Equity
0.15
Conclusions
- 🟡Return on equity (ROE) — Return on equity (ROE): 12.4% — reasonable
- 🔴Return on assets (ROA) — Return on assets (ROA): 1.9% — weak
- 🟢Debt-to-equity — Debt/equity: 0.15
🚀 Growth
Revenue
אין נתונים היסטוריים זמינים.
Earnings per Share (EPS)
Net Income
Free Cash Flow (FCF)
Conclusions
- 🔴Earnings per share (EPS) growth — Earnings per share (EPS) growth: -13.1%
- 🔴Free cash flow growth — Free cash flow growth: -14.4%
- 🔴Net income growth — Net income growth: -16.2%
💵 Dividends
Total dividend per share paid each year, over the last 5 years.
Annual Dividend per Share
| Ex-Dividend Date | Amount per Share |
|---|---|
| 3.8.2026 | $0.480 |
| 4.5.2026 | $0.480 |
| 2.2.2026 | $0.460 |
| 3.11.2025 | $0.460 |
| 4.8.2025 | $0.460 |
| 5.5.2025 | $0.460 |
| 3.2.2025 | $0.440 |
| 4.11.2024 | $0.440 |
| 5.8.2024 | $0.440 |
| 3.5.2024 | $0.440 |
| 2.2.2024 | $0.440 |
| 3.11.2023 | $0.440 |
💎 Fair Value (Valuation)
Current Price
$59.67
Estimated Fair Value (DCF)
$81.59
Gap
+36.7%
🟢 Appears cheap relative to estimated value
Show all model (DCF) assumptions →
Year 1 Growth Rate
10.0%
Discount Rate (WACC)
9.0%
Terminal Growth Rate
2.5%
Projection Years
5
| Year | Growth Rate | Projected FCF | Present Value |
|---|---|---|---|
| 1 | 10.0% | $131.62M | $120.75M |
| 2 | 8.1% | $142.31M | $119.78M |
| 3 | 6.3% | $151.20M | $116.76M |
| 4 | 4.4% | $157.82M | $111.80M |
| 5 | 2.5% | $161.76M | $105.14M |
Base FCF (last actual year)
$119.65M
Terminal Value
$2.55B
Present Value of Terminal Value
$1.66B
Enterprise Value
$2.23B
Net Debt
$137.30M
Equity Value
$2.09B
*The DCF model is an estimate based on assumptions — not a guaranteed forecast. You can change the assumptions to examine different scenarios.
Book Value per Share
$36.36
Tangible Book Value per Share (Tangible NAV)
$31.62
Conclusions
- 🟢DCF Fair Value — Estimated fair value: $81.59 vs. price $59.67 (+36.7%)
- 🟡Tangible Net Asset Value (NAV) — NAV per share: $31.62
- 🟢P/E — P/E: 13.3
🕴️ Insider Trading
Real transactions by officers and insiders, as reported to the SEC on Form 4 — 1 purchases and 1 sales out of the last 23 filings.
| Name | Transaction Type | Date | Shares | Change | Price |
|---|---|---|---|---|---|
| Belton Curtis | Exercise of Derivative Securities | 24.7.2026 | 0 | -9,200 | — |
| DONOHOE BRIAN J | Exercise of Derivative Securities | 20.7.2026 | 0 | -15,100 | — |
| Baker Robert James Jr | Exercise of Derivative Securities | 20.7.2026 | 0 | -15,000 | — |
| Baker Robert James Jr | Exercise of Derivative Securities | 1.5.2026 | 5,100 | -10,200 | — |
| Belton Curtis | Exercise of Derivative Securities | 24.4.2026 | 5,300 | -10,600 | — |
| Wondeh Inez | Open Market Purchase | 22.4.2026 | 1,007 | +61 | $53.79 |
| Baker Robert James Jr | Open Market Sale | 20.4.2026 | 0 | -759 | $53.83 |
| Ensinger George S | Tax Withholding in Shares | 2.3.2026 | 6,565 | -1,156 | $50.90 |
| Baker Robert James Jr | Tax Withholding in Shares | 2.3.2026 | 759 | -601 | $50.90 |
| DONOHOE BRIAN J | Tax Withholding in Shares | 2.3.2026 | 3,814 | -1,010 | $50.90 |
| Jonas Anela Marya | Grant/Award from Employer | 24.2.2026 | 236 | +15 | — |
| Belton Curtis | Grant/Award from Employer | 22.1.2026 | 16,600 | +16,600 | $51.15 |
| DONOHOE BRIAN J | Grant/Award from Employer | 22.1.2026 | 2,087 | +2,040 | — |
| DONOHOE BRIAN J | Grant/Award from Employer | 22.1.2026 | 20,500 | +20,500 | $51.15 |
| Ensinger George S | Grant/Award from Employer | 22.1.2026 | 6,327 | +1,412 | — |
| Ensinger George S | Grant/Award from Employer | 22.1.2026 | 7,313 | +986 | — |
| Ensinger George S | Grant/Award from Employer | 22.1.2026 | 7,721 | +408 | — |
| Baker Robert James Jr | Grant/Award from Employer | 22.1.2026 | 1,360 | +1,360 | — |
| Baker Robert James Jr | Grant/Award from Employer | 22.1.2026 | 15,800 | +15,800 | $51.15 |
| Jonas Anela Marya | Grant/Award from Employer | 22.1.2026 | 23,500 | +23,500 | $51.15 |
| Thorsen Cheryl Christine | Grant/Award from Employer | 22.1.2026 | 6,900 | +6,900 | $51.15 |
| DONOHOE BRIAN J | Grant/Award from Employer | 22.1.2026 | 2,087 | +2,040 | — |
| DONOHOE BRIAN J | Grant/Award from Employer | 22.1.2026 | 20,500 | +20,500 | $51.15 |
📉 Short Interest
Official FINRA data — the number of shares open in short positions, plus daily short-sale activity.
Monthly Trend — Open Short Interest
748,347 shares short as of 2026-07-15 · vs. 684,998 on 2026-06-30
Official biweekly report (FINRA Rule 4560) — no real higher-frequency data exists for this metric.
Weekly Trend — Daily Short-Sale Activity
63.2% of trading volume this week was short selling, vs. 59.8% the prior week
Based on daily short-sale volume (Reg SHO) — a different metric from the open short interest above: this is daily trading volume, not an open position, so it updates weekly rather than biweekly.
📰 News & Sentiment
Sentiment based on basic keywords (not AI) — 0 positive, 2 neutral, 5 negative out of the last 7 articles.
Argus Research · 5.8.2026
GuruFocus.com · 3.8.2026
GlobeNewswire · 23.7.2026
Associated Press · 16.7.2026
GlobeNewswire · 16.7.2026
Simply Wall St. · 27.5.2026
StockStory · 25.5.2026