Westamerica Bancorp (WABC)
Serves small businesses and households across Northern and Central California banking markets.
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Operates Westamerica Bank as one California banking segment, serving individual and commercial customers through a branch network focused on small businesses. Revenue mechanics center on deposits, commercial and commercial real estate lending, consumer credit, trust services, card fees, and balance-sheet investment activity.
Runs Westamerica Bank, a California-chartered commercial bank serving individual and commercial customers in Northern and Central California. The franchise is managed as one reportable segment and centers on deposits, transaction accounts, commercial banking, commercial real estate lending, consumer loans, trust services, card fees, and investment activity.
The footprint reaches from northern counties to Kern County through 76 branches, with strategic focus on small-business banking. Management emphasizes a low-cost deposit base, noninterest checking relationships, controlled expenses, and stable credit quality.
Execution depends on local deposit relationships, California loan demand, branch-market competition, and bank regulation. Competitors include major banks, smaller community banks, credit unions, fintech platforms, brokerages, mutual funds, card companies, and other financial-service providers.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
No analyst notes in the last 24 months.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $301.9M · Total debt $154.0M · Total assets $5.81B · Shareholders' equity $853.1M
- Revenue
- $66.1M
- Operating income
- $36.7M
- Net income
- $27.4M
HistoryDividendAnnual yield
| Institutions | 81.12% | 18.75M shares | |
|---|---|---|---|
| 218 holders · as of Jun 30, 2026 | |||
| Insiders | 0.12% | 28.0K shares | |
| 7 holders · as of Apr 23, 2026 | |||
| Strategic holders | 7.77% | 1.80M shares | |
| 1 holder · as of Feb 11, 2021 | |||
| Other | 10.99% | 2.54M shares | |
| remainder | |||
23.11M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.43% | 3.34M | as of Jun 30, 2026 |
American Century Companies IncInstitution | 8.47% | 1.96M | as of Jun 30, 2026 |
American Century Investment Management, Inc.Strategic | 7.77% | 1.80M | filed Feb 11, 2021 |
Vanguard Portfolio Management LLCInstitution | 7.45% | 1.72M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.03% | 1.39M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 22, 2026 | Inez Wondeh | director | +61 | $53.79 |
| Apr 20, 2026 | Robert James Jr Baker | officer: SVP/Banking Division Manager | −759 | $53.83 |
- Wells Fargo
Scale rival in California deposits, cards, small business, and CRE
- TriCo Bancshares
Northern/Central California peer in deposits, loans, and treasury
- CVB Financial
California business-bank rival with expanded Bay Area reach
- Bank of America
Large-bank substitute for deposits, cards, small business, and wealth
- Community West Bancshares
Central California peer in business deposits, CRE, and agribusiness
- Bank of Marin
North Bay and Sacramento peer for business banking and CRE
- Banc of California
Statewide business-bank rival in deposits, treasury, and CRE
- Sierra Bancorp
South San Joaquin Valley peer in community banking and CRE
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Westamerica Bancorp | $59.29 | +0.42% | $1.39B | 13.0 | 12.8 | 5.2 | −2.5% |
| Wells Fargo | $82.59 | −0.68% | $251.45B | 12.0 | 11.0 | 1.9 | +8.6% |
| TriCo Bancshares | $51.88 | −0.85% | $1.68B | 12.5 | 11.9 | 3.1 | +9.9% |
| CVB Financial | $22.17 | +0.05% | $3.18B | 14.6 | 12.0 | 4.5 | +42.0% |
| Bank of America | $55.81 | −0.69% | $398.83B | 12.9 | 11.4 | 2.0 | +19.3% |
| Community West Bancshares | $25.67 | −0.28% | $541.9M | 13.9 | 9.6 | 2.7 | +38.2% |
| Bank of Marin | $28.03 | +0.09% | $453.3M | 6.9 | 12.1 | 2.3 | +73.1% |
| Banc of California | $18.00 | −0.58% | $2.78B | — | 9.4 | 1.6 | +4.7% |
| Sierra Bancorp | $39.61 | −1.00% | $523.3M | 11.7 | 10.9 | 2.6 | +5.4% |
| Median | 12.5 | 11.2 | 2.4 | +14.6% |