Westamerica Bancorp
NASDAQ:WABC

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Westamerica Bancorp
NASDAQ:WABC
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Price: 52.23 USD -1.55% Market Closed
Market Cap: 1.4B USD
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Net Margin
Westamerica Bancorp

48.1%
Current
46%
Average
22.9%
Industry

Net Margin measures how much net income is generated as a percentage of revenues received. It helps investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Net Margin
48.1%
=
Net Income
146.4m
/
Revenue
304.5m

Net Margin Across Competitors

Country US
Market Cap 1.4B USD
Net Margin
48%
Country US
Market Cap 76.9B USD
Net Margin
22%
Country US
Market Cap 58.1B USD
Net Margin
-14%
Country US
Market Cap 31.5B USD
Net Margin
25%
Country US
Market Cap 30.3B USD
Net Margin
26%
Country US
Market Cap 29B USD
Net Margin
24%
Country CN
Market Cap 178.2B CNY
Net Margin
32%
Country US
Market Cap 23.9B USD
Net Margin
21%
Country US
Market Cap 21.7B USD
Net Margin
23%
Country CN
Market Cap 158.6B CNY
Net Margin
38%
Country US
Market Cap 19.5B USD
Net Margin
15%
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Westamerica Bancorp
Glance View

Market Cap
1.4B USD
Industry
Banking

Westamerica Bancorp, founded in 1972, has steadily cemented itself as a cornerstone of regional banking in Northern and Central California. Operating as a bank holding company, it wholly owns Westamerica Bank, which is its primary subsidiary. Distinguished by its conservative lending practices and robust capital base, Westamerica Bancorp has long navigated the competitive waters of community banking with a focus on stability and customer service. Through a network of branches, the company offers a suite of traditional banking products, including savings accounts, checking accounts, and time deposits, catering primarily to retail and small to mid-sized business clients. By maintaining a prudent portfolio of loans, Westamerica skillfully balances risk and return, ensuring a steady stream of interest income—an essential component of its revenue model. In addition to its loan and deposit business, Westamerica Bancorp generates income through a range of fee-based services. These services include electronic banking, trust and investment services, and various corporate banking offerings. By managing to diversify beyond simple interest income, the company can mitigate risks associated with fluctuating interest rates. Its concentration on efficiency and cost control has consistently led to high-profit margins, serving stakeholders well, and making Westamerica one of the more reliable players in the banking sector. Despite its regional focus, the company's philosophy of disciplined growth and operational excellence has earned it respect and a loyal customer base among California's diverse communities.

WABC Intrinsic Value
47.87 USD
Overvaluation 8%
Intrinsic Value
Price

See Also

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What is Net Margin?

Net Margin measures how much net income is generated as a percentage of revenues received. It helps investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Net Margin
48.1%
=
Net Income
146.4m
/
Revenue
304.5m
What is the Net Margin of Westamerica Bancorp?

Based on Westamerica Bancorp's most recent financial statements, the company has Net Margin of 48.1%.