Inferra AI / Company / WABC
Westamerica Bancorporation
WABC · Financials
Last earnings Oct 15, 2026
Key results
Net incomequarter
$28.3 million
16, 2025 (GLOBE NEWSWIRE) -- Westamerica Bancorporation (Nasdaq: WABC), parent company of Westamerica Bank, generated net income for the third quarter 2025 of $28.3 million and diluted earnings per common share ("EPS") of $1.12.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
EPSquarter
$1.12
16, 2025 (GLOBE NEWSWIRE) -- Westamerica Bancorporation (Nasdaq: WABC), parent company of Westamerica Bank, generated net income for the third quarter 2025 of $28.3 million and diluted earnings per common share ("EPS") of $1.12.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Third quarter 2025 results compare to second quarter 2025 net income of $29.1 million and EPS of $1.12.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Total revenuequarter
0.27 %
Deposits (a) 0.27 % 0.28 % 0.28 % Total Revenue (FTE) Per Avg.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Common Share (a) $ 10.02 $ 11.09 -9.7 % $ 10.05 % 9/30'25YTD 9/30'24YTD Change Service Charges on Deposit Accounts $ 10,066 $ 10,524 -4.4 % Merchant Processing Services 8,280 7,714 7.3 % Debit Card Fees 4,848 4,951 -2.1 % Trust Fees 2,661 2,451 8.6 % ATM Processing Fees 1,428 1,664 -14.2 % Other Service Fees 1,327 1,342 -1.1 % Bank Owned Life Insurance Gains 208 202 n/m Unrealized Losses on Equity Securities (90 ) - n/m Other Noninterest Income 2,059 3,674 -44.0 % Total Noninterest Income $ 30,787 $ 32,522 -5.3 % Operating Ratios: Total Revenue (FTE) $ 195,585 $ 225,181 -13.1 % Noninterest Income / Revenue (FTE) 15.7 % 14.4 % Service Charges / Avg.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Deposits (a) 0.28 % 0.27 % Total Revenue (FTE) Per Avg.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Revenuequarter
1.82 %
Earning Assets (a) 1.82 % 1.73 % 1.81 % Noninterest Expense / Revenues (FTE) 40.3 % 35.4 % 39.3 % % 9/30'25YTD 9/30'24YTD Change Salaries and Related Benefits $ 36,816 $ 37,831 -2.7 % Occupancy and Equipment 15,445 15,454 -0.1 % Outsourced Data Processing 8,128 7,661 6.1 % Limited Partnership Operating Losses 2,745 4,090 -32.9 % Professional Fees 1,424 1,101 29.3 % Courier Service 2,113 2,017 4.8 % Other Noninterest Expense 9,785 10,384 -5.8 % Total Noninterest Expense $ 76,456 $ 78,538 -2.7 % Operating Ratios: Noninterest Expense / Avg.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Earning Assets (a) 1.80 % 1.72 % Noninterest Expense / Revenues (FTE) 39.1 % 34.9 % 8.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
AI analysis
Q3 2025 · reported Oct 16, 2025
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $28.3 million | — | — |
| EPS | $1.12 | — | — |
| Total revenue | 0.27 % | — | — |
| Revenue | 1.82 % | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Westamerica paid a $0.46 per common share dividend during the third quarter 2025, and retired 488 thousand common shares using its share repurchase plan.
Event summary
(GLOBE NEWSWIRE) -- Westamerica Bancorporation (Nasdaq: WABC), parent company of Westamerica Bank, generated net income for the third quarter 2025 of $28.3 million and diluted earnings per common share ("EPS") of $1.12
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Westamerica paid a $0.46 per common share dividend during the third quarter 2025, and retired 488 thousand common shares using its share repurchase plan.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
During the twelve months ending September 30, 2026, the Company expects to receive $338,000 thousand in principal payments from its debt securities.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
If additional operational liquidity is required, the Company can pledge debt securities as collateral for borrowing purposes; at September 30, 2025, the Company s debt securities which qualify as collateral for borrowing totaled $3,752,853 thousand.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
In the ordinary course of business, the Company pledges debt securities as collateral for certain depository customers; at September 30, 2025, the Company had pledged $713,200 thousand in debt securities for depository customers.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
In the ordinary course of business, the Company pledges debt securities as collateral for borrowing from the Federal Reserve Bank; at September 30, 2025, the Company had pledged $647,776 thousand in debt securities at the Federal Reserve Bank.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
During the nine months ended September 30, 2025, the Company s average borrowings from the Federal Reserve Bank and correspondent banks were $-0- thousand and $-0- thousand, respectively, and at September 30, 2025, the Company had no borrowings from the Federal Reserve Bank or other correspondent banks.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
Strategy & priorities
The extent of the impact on the Company s results of operations, cash flow, liquidity, and financial performance, as well as the Company s ability to execute near- and long-term business strategies and initiatives, will depend on numerous evolving factors and future developments, which are highly uncertain and cannot be reasonably predicted.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
The Company follows the guidance issued by the Board of Governors of the Federal Reserve System, Investing in Securities without Reliance on Nationally Recognized Statistical Rating Agencies (SR 12-15) and other regulatory guidance when performing investment security pre-purchase analysis or evaluating investment securities for credit loss.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
The Company s review typically includes an analysis of the facts and circumstances of each investment, the expectations for the investment s cash flows and capital needs, the viability of its business model and any exit strategy.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
Risks & headwinds
" Forward-looking statements, by their nature, are subject to risks and uncertainties.
SEC original ↗Westamerica Bancorporation — Earnings release (8-K exhibit)EX-99Oct 16, 2025
However, the reader should not consider the above-mentioned factors to be a complete set of all potential risks or uncertainties.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
Certain risks, uncertainties and other factors, including those discussed in Risk Factors in Part I Item 1A of the Company s Annual Report on Form 10-K for the year ended December 31, 2025 may cause actual future results to differ materially from the results discussed in this report on Form 10-Q.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
Management continues to evaluate the impacts of inflation, the Federal Reserve s monetary policy, the impacts of tariffs, international trade tensions, climate changes and the war in the Middle East on the Company s business.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
These recent events and concerns could adversely affect the Company s ability to effectively fund its operations.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
Any one or a combination of such risk factors, or other factors, could materially adversely affect the Company's business, financial condition, results of operations and prospects.
SEC original ↗Westamerica Bancorporation — 10-Q Quarterly report10-QAug 5, 2026
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
33 documents- Q3 2026
- 8-KWABC
Oct 22, 2026
- 8-KWABC
Oct 15, 2026
- Q2 2026
- 10-QWABC
- 8-KWABC
Jul 23, 2026
- 8-KWABC
Jul 16, 2026
- Q1 2026
- 10-QWABC
- 8-KWABC
Apr 27, 2026
- 8-KWABC
Apr 24, 2026
- 8-KWABC
Apr 23, 2026
- EX-99WABC
- 8-KWABC
Apr 16, 2026
- Q4 2025
- 10-KWABC
Feb 27, 2026
- 8-KWABC
Jan 23, 2026
- 8-KWABC
Jan 22, 2026
- EX-99WABC
- 8-KWABC
Jan 15, 2026
- Q3 2025
- 8-KWABC
Dec 18, 2025
- EX-99WABC
- 10-QWABC
- 8-KWABC
Oct 23, 2025
- 8-KWABC
Oct 16, 2025
- Q2 2025
- 8-KWABC
Aug 12, 2025
- 10-QWABC
- 8-KWABC
Jul 24, 2025
- 8-KWABC
Jul 17, 2025
- Q1 2025
- 10-QWABC
- 8-KWABC
Apr 28, 2025
- 8-KWABC
Apr 24, 2025
- 8-KWABC
Apr 17, 2025
- Q4 2024
- 10-KWABC
Feb 28, 2025
- 8-KWABC
Feb 27, 2025
- 8-KWABC
Jan 23, 2025
- 8-KWABC
Jan 23, 2025
Earnings releases
10 documentsPresentations
0 documentsNo presentations for Westamerica Bancorporation are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Westamerica Bancorporation are held in this edition of the library.
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