Company Analysis Westamerica Bancorporation
1. Summary
Advantages
- Price (49.72 $) is less than fair price (58.55 $)
- Dividends (3.53%) are higher than the sector average (1.72%).
- The stock's return over the last year (5.35%) is higher than the sector average (-26.38%).
- The company's current efficiency (ROE=20.93%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Current debt level 1.21% has increased over 5 years from 0.5504%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Westamerica Bancorporation | Financials | Index | |
|---|---|---|---|
| 7 days | -1.1% | 0.4% | 0.2% |
| 90 days | -1.3% | -32.9% | 1.5% |
| 1 year | 5.3% | -26.4% | 22.9% |
WABC vs Sector: Westamerica Bancorporation has outperformed the "Financials" sector by 31.73% over the past year.
WABC vs Market: Westamerica Bancorporation has significantly underperformed the market by -17.53% over the past year.
Stable price: WABC is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: WABC with weekly volatility of 0.1028% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (49.72 $) is lower than the fair price (58.55 $).
Price not significantly lower than the fair price: The current price (49.72 $) is slightly lower than the fair price by 17.8%.
4.2. P/E
P/E vs Sector: The company's P/E (9.3) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (9.3) is lower than that of the market as a whole (49.04).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.95) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (1.95) is lower than that of the market as a whole (3.17).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (4.59) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (4.59) is lower than that of the market as a whole (10.24).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-254.16) is lower than that of the sector as a whole (40.84).
EV/Ebitda vs Market: The company's EV/Ebitda (-254.16) is lower than that of the market as a whole (28.32).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 20.23% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (20.23%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-15.99%).
5.4. ROE
ROE vs Sector: The company's ROE (20.93%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (20.93%) is higher than that of the market as a whole (10.71%).
5.5. ROA
ROA vs Sector: The company's ROA (2.54%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (2.54%) is lower than that of the market as a whole (6.47%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 3.53% is higher than the average for the sector '1.72%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 3.53% has been steadily paid over the past 7 years, DSI=0.93.
Dividend growth: Company's dividend yield 3.53% has been growing over the last 5 years. Growth over 34 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (28.41%) are at a comfortable level.
8. Insider trades
8.1. Insider trading
Insider Selling More insider purchases by 100% over the last 3 months.
8.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 29.01.2025 | Baker Robert James Jr SVP/Banking Division Manager |
Sale | 51.76 | 12 836 | 248 |
| 22.07.2024 | Baker Robert James Jr SVP/Banking Division Manager |
Sale | 52.73 | 37 175 | 705 |
| 23.04.2024 | Belew Alisa Jane Director |
Purchase | 47.8 | 9 942 | 208 |
| 22.04.2024 | THORSON JOHN A SVP/CFO |
Sale | 47.24 | 51 964 | 1 100 |
| 01.02.2024 | PAYNE DAVID L Chairman, President & CEO |
Sale | 46.79 | 527 417 | 11 272 |
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