West Bancorporation (WTBA)
NASDAQ:WTBA
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Earnings Data
Report Date
Jul 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.63Last Year’s EPS
0.47Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call portrayed a fundamentally strong quarter driven by meaningful earnings and margin improvement, disciplined expense control, ample liquidity and pristine credit quality. Key near‑term headwinds are muted loan growth due to refinance/payoff activity, seasonally lower core deposits and a concentrated watch list exposure to the trucking sector. Management emphasized asset repricing opportunities, an expanding pipeline and continued focus on relationship banking and market expansion, suggesting optimism about future growth as market dynamics normalize.Company Guidance
Strong Earnings Growth
Net income of $10.6 million in Q1 2026 versus $7.8 million in Q1 2025, a 35% year‑over‑year increase.
Net Interest Income and Margin Expansion
Net interest income increased $3.5 million or 17% YOY. Net interest margin rose 12 basis points sequentially and 31 basis points year‑over‑year, with management citing ~ $250 million of loans and investments repricing over the next 12 months (blended rates below 4%).
Lower Funding Costs
Cost of deposits declined 14 basis points sequentially and 40 basis points year‑over‑year, supporting margin improvement.
Pristine Credit Quality
No loans past due over 30 days, no OREO, no nonaccruals and no substandard loans. No provision for credit losses recorded in the quarter. Watch list down 20% from year‑end and represents only 1.4% of total loans.
Controlled Noninterest Expenses
Noninterest expenses increased only 3% YOY with no unusual items identified, reflecting continued expense discipline.
Capital and Shareholder Return Actions
Capital improved as the balance sheet contracted and earnings strengthened; Board declared a $0.25 quarterly dividend (record May 6, pay May 20).
Liquidity and Repricing Opportunity
Management expects about $38 million of investment cash flows at low rates rolling off in next 12 months (sub‑2% pieces) and indicated roughly 75% of a prior $243 million municipal bond deposit remains on the balance sheet, providing liquidity to support loan growth and asset repricing.
Pipeline and Market Expansion
Total credit pipeline volume has increased substantially in the last two months. Minnesota expansion continues (presence since 2016), with management expecting continued core deposit and loan growth and opportunities from local M&A disruption.
WTBA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
WTBA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 23, 2026 | $23.65 | $24.48 | +3.51% |
Jan 29, 2026 | $22.11 | $23.05 | +4.21% |
Oct 23, 2025 | $19.42 | $20.09 | +3.42% |
Jul 24, 2025 | $18.71 | $18.19 | -2.74% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does West Bancorporation (WTBA) report earnings?
West Bancorporation (WTBA) is schdueled to report earning on Jul 23, 2026, Before Open (Confirmed).
What is West Bancorporation (WTBA) earnings time?
West Bancorporation (WTBA) earnings time is at Jul 23, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is WTBA EPS forecast?
WTBA EPS forecast for the fiscal quarter 2026 (Q2) is 0.63.