WABC — Stock Film
STOCK FILMSCENE 1/11WABC · $61.36
Stock Expert AI presents
WABC
Westamerica Bancorporation
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Westamerica Bancorporation. A quick introduction.

On the stock market since 1980, it operates in the world of money and finance. It has 627 employees. Now — the numbers.

on the stock market since 1980
627 employees
$1.4B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $43 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 43%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
35%Deposit Account
Deposit Account 35%Credit Card, Merchant Discount 29%Debit Card 17%Fiduciary and Trust 9%ATM Processing Fees 5%Other 5%
35% of all revenue comes from a single line: Deposit Account.

Revenue is spread across several business lines; no single line carries the company.

Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
8 / 8
EXPECTATIONS MET OR BEATEN
8
Jul 2024
Oct 2024
Apr 2025
Jul 2025
Oct 2025
Jan 2026
Apr 2026
Jul 2026
8 TIMES IN THE LAST 8 QUARTERS
It clears the bar, quarter after quarter.
INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
94
very strong

Profit power and business quality lead the class.

FINANCIAL STRENGTH
46
weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
88
very strong

The price looks reasonable next to what the company earns.

GROWTH
46
weak

Clearly below the class average.

PRICE MOMENTUM
94
very strong

The stock has been running stronger than the market lately.

WORTH WATCHING

Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.

Growth: Sales growth trails the sector average.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Few are betting against it10/10
WEAK SPOTS
Growth has stalled2/10
WORTH WATCHING

Revenue Growth: Sales are growing slowly.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 43% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Delivers on expectations

It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

Over the last 12 months, company executives reported 12 buys and 10 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/3
Growth has stalled

Over the last 3 years, sales grew only 1% a year on average. At this size, speeding back up is not easy.

2
THE RISKS · 2/3
A thin financial cushion

The balance sheet offers little cushion against a rough stretch. Report-card grade: 46/100.

3
THE RISKS · 3/3
Growth trails the sector

The growth engine is running at low revs right now. Report-card grade: 46/100.

FINALE · THE GRADE
A
0 / 100 · MoonshotScore

On our five-subject report card, WABC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: WABC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

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This was a film — not investment advice.
Data: FMP & company filings
Jul 21, 2026 · stockexpertai.com · Stock Film