Westamerica Bancorporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Westamerica Bancorporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -3% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-3% / -14%In 3 years sales changed by -3% while total assets changed by -14%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 51% of Financial Services companies in United States.
Tangible Net Worth Ratio
87%Of every $100 of net worth, $87 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 57% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Westamerica Bancorporation owes $0.85 for every $1 it owns. Net profit fell 16% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.3Investors pay $13.3 for every $1 of Westamerica Bancorporation's yearly profit, higher than 55% of Financial Services companies in United States.
P/B ratio
1.68The share price is 1.68 times Westamerica Bancorporation's book value per share, higher than 74% of Financial Services companies in United States.
Market cap
$1.4 BThe total market value of all of Westamerica Bancorporation's shares at today's price (share price × number of shares), larger than 61% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$853 MWhat Westamerica Bancorporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$36.91Net worth divided by the number of shares. The share price of $61.92 is 1.7 times this, which is the P/B above.
Return on equity (ROE)
12.9%Westamerica Bancorporation earned 12.9% on its shareholders' money over the last year, higher than 65% of Financial Services companies in United States.
Owes vs Owns
0.85×Westamerica Bancorporation owes $0.85 for every $1 it owns (high), higher than 54% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.16%Westamerica Bancorporation pays 3.16% of its share price as dividends a year, higher than 57% of dividend-paying Financial Services companies in United States.
Revenue growth
-12%Revenue fell 12% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Profit growth
-16%Net profit fell 16% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit margin
45.0%Westamerica Bancorporation keeps $45 of every $100 of revenue as net profit.
Questions
What is Westamerica Bancorporation's P/E ratio?
Investors pay $13.3 for every $1 of Westamerica Bancorporation's yearly profit, higher than 55% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Westamerica Bancorporation: $1.4 B ÷ $853 M (30 Jun 2026) = 1.7.
What is Westamerica Bancorporation's return on equity?
Westamerica Bancorporation earned 12.9% on its shareholders' money over the last year, higher than 65% of Financial Services companies in United States.
How much does Westamerica Bancorporation owe compared with what it owns?
Westamerica Bancorporation owes $0.85 for every $1 it owns (high), higher than 54% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Westamerica Bancorporation pay a dividend?
Yes. Westamerica Bancorporation pays 3.16% of its share price as dividends a year, higher than 57% of dividend-paying Financial Services companies in United States.
Is Westamerica Bancorporation's revenue growing?
Revenue fell 12% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.