WABC - NASDAQ
Westamerica Bancorporation
$54.98
-1.5%Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial and residential real estate, real estate construction, and consumer installment loans, as well as indirect automobile loans. It operates through 78 branch offices in 21 counties in Northern and Central California. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. The company was incorporated in 1972 and is headquartered in San Rafael, California.
At a Glance
Live SnapshotWestamerica Bancorporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Westamerica Bancorporation Cash Flow Statement
WABC • NASDAQ
| Westamerica Bancorporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
116.2M | 138.6M | 161.8M | 122M | 86.5M | 80.4M | 80.4M | 71.6M | 50M | 58.9M | 58.8M | 60.6M | 67.2M | 81.1M | 87.9M | 94.6M | 125.4M | 59.8M | 89.8M | 98.8M | |
7.2M | 10.4M | 11.8M | 16.6M | 16.6M | 22.6M | 20.6M | 24.4M | 26.1M | 19.9M | 16.4M | 15.5M | 18M | 14.1M | 14.3M | 15.3M | 10.4M | 9.4M | 9.5M | 9.8M | |
3.6M | -8.4M | -869K | 3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
1.1M | 1.5M | 1.4M | 1.3M | 1.4M | 1.9M | 1.7M | 2M | 1.8M | 1.5M | 1.3M | 1.3M | 1.4M | 1.5M | 1.4M | 1.4M | 1.1M | 1.2M | 1.8M | 0.0 | |
-378K | -1.5M | -1.9M | -2.6M | -5.6M | -3.8M | -910K | -1M | -10.7M | -4.3M | 548K | 1.2M | 7.7M | 11.9M | 11M | 8.8M | -39.6M | 58.9M | -4.9M | 849K | |
(0.0) | (57.3M) | (64M) | (39.8M) | (27.7M) | (26.5M) | (24.5M) | (13.6M) | (17.4M) | (19.3M) | (17.7M) | (16.4M) | (22.6M) | (34.1M) | (28.8M) | (50.4M) | (36.9M) | (24.1M) | (30.8M) | (0.0) | |
-5.8M | 1M | -13.9M | -26.6M | -10.2M | 6.6M | -21.1M | -290K | 13.5M | 1.7M | -6.6M | 3.6M | -9M | 11M | 5.9M | -5.2M | 51.7M | -36.2M | 12.2M | -1.5M | |
121.9M | 141.6M | 158.2M | 113.7M | 88.7M | 107.7M | 80.7M | 96.6M | 80.8M | 77.6M | 70.4M | 82.3M | 85.3M | 119.5M | 120.4M | 115M | 149M | 93.1M | 108.4M | 108M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-2.2M | -1.7M | -1.2M | -811K | -1.3M | -2.2M | -4M | -3.1M | -2.7M | -1.8M | -4.5M | -3.8M | -1.7M | -4.8M | -3.3M | -1.4M | -14.2M | -1.9M | -1.6M | -588K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (57.9M) | (44.4M) | (0.0) | (0.0) | (0.0) | |
-710.1M | -20.7M | (0.0) | -1.4B | -1.9B | -2.1B | -970.5M | -854.6M | -635.8M | -1.3B | -1.4B | -1.2B | -615.3M | -868.4M | -719.1M | -482.4M | -23.5M | -6.6M | -30.7M | -30.8M | |
770.8M | 687.5M | 460M | 611.2M | 1.4B | 1.5B | 871.3M | 520.4M | 497.8M | 941.7M | 1.1B | 757.9M | 362.5M | 435.3M | 427.8M | 347.6M | 332.5M | 311.1M | 223.8M | 250.3M | |
91.2M | 50.6M | 88.5M | 113.5M | 193.8M | -122.7M | 81M | 83.8M | 67.5M | 190.8M | 166.8M | 144.6M | 305.4M | 443.6M | 362.2M | 376.8M | 501.6M | 106.6M | 26.4M | 139.3M | |
(149.7M) | (715.7M) | (547.3M) | -631.3M | -306.1M | -748.9M | -22.3M | -253.6M | -73.3M | -197.3M | -102.3M | -295.3M | (50.9M) | (5.7M) | (67.6M) | (298.5M) | (840.8M) | (409.2M) | (218M) | (358.2M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-103.4M | -210K | -13.7M | -218K | -232K | -16.5M | -488K | -524K | -314K | -5.4M | -14.7M | -52.2M | -57.3M | -51.5M | -60.5M | -28.7M | -2M | -35.9M | -87.1M | -76.2M | |
17M | 62.2M | 370K | -88.5M | 43.7M | 71.6M | -20.3M | -7.2M | -607K | 6.1M | -56.8M | 26.7M | -11M | -62M | -26.9M | -205.8M | -471.6M | -351.5M | 66.5M | -46.6M | |
-46.9M | -47M | -46M | -45.2M | -44.3M | -44.3M | -43.9M | -42.6M | -41.3M | -39.9M | -39.1M | -39.8M | -40.1M | -41M | -41.7M | -42.1M | -43.8M | -40.2M | -40.6M | -40.7M | |
-103.8M | -210K | -13.7M | -218K | -232K | -16.5M | -488K | -524K | -314K | -5.4M | -14.7M | -52.2M | -57.3M | -51.5M | -60.5M | -28.7M | -85.8M | -35.9M | -87.1M | (0.0) | |
-171.8M | -461.1M | -750.1M | -186.4M | 729M | 878.2M | -40.5M | 52.6M | 147.5M | 188.2M | 194.7M | 186.9M | -47.2M | -9.3M | 132.3M | -159.2M | -250.2M | -145.8M | -239.7M | -327.5M | |
-305.2M | -446.1M | -809.4M | -320.3M | 728.2M | 889M | -105.3M | 2.2M | 105.2M | 148.9M | 84.1M | 121.8M | -155.6M | -163.8M | 3.2M | -435.8M | -767.6M | -573.3M | -301M | -491M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-33.7M | 411.2M | -103.9M | -837.8M | 510.8M | 247.9M | -46.9M | -154.7M | 112.7M | 29.2M | 52.2M | -91.2M | -19.4M | -38.7M | 191.3M | -22.3M | 222.3M | -70.9M | 25.3M | -24.8M | |
601.5M | 190.3M | 294.2M | 1.1B | 621.3M | 373.4M | 420.3M | 575M | 462.3M | 433M | 380.8M | 472M | 491.4M | 530M | 338.8M | 361.1M | 138.9M | 209.8M | 184.4M | 209.3M | |
567.8M | 601.5M | 190.3M | 294.2M | 1.1B | 621.3M | 373.4M | 420.3M | 575M | 462.3M | 433M | 380.8M | 472M | 491.4M | 530M | 338.8M | 361.1M | 138.9M | 209.8M | 184.4M | |
119.6M | 139.8M | 157M | 112.9M | 87.4M | 105.5M | 76.7M | 93.5M | 78M | 75.8M | 65.9M | 78.5M | 83.6M | 114.6M | 117.1M | 113.5M | 134.9M | 91.2M | 106.8M | 107.4M |
SEC Filings
WABC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 24, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 16, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 13, 2026 | March 13, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 15, 2026 | January 15, 2026 | 2026 |
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