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Westamerica Bancorporation (WABC)
NASDAQ:WABC
US Market

Westamerica Bancorporation (WABC) Ratios

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Westamerica Bancorporation Ratios

WABC's free cash flow for Q3 2025 was $0.95. For the 2025 fiscal year, WABC's free cash flow was decreased by $ and operating cash flow was $0.56. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.95 0.39 0.77 0.11 0.36
Quick Ratio
0.95 0.39 0.77 1.62 2.17
Cash Ratio
0.11 0.12 0.03 0.09 0.35
Solvency Ratio
0.02 0.03 0.03 0.02 0.01
Operating Cash Flow Ratio
0.03 0.03 0.03 0.04 0.03
Short-Term Operating Cash Flow Coverage
0.91 1.18 2.72 0.00 0.00
Net Current Asset Value
$ -275.23M$ -3.20B$ -1.34B$ -1.66B$ -822.71M
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.02 0.01 0.01 0.02
Debt-to-Equity Ratio
0.15 0.16 0.10 0.12 0.20
Debt-to-Capital Ratio
0.13 0.13 0.09 0.11 0.17
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
6.38 6.83 8.23 11.54 9.05
Debt Service Coverage Ratio
0.81 1.08 2.80 72.00 51.84
Interest Coverage Ratio
11.43 10.85 56.96 87.02 59.86
Debt to Market Cap
0.11 0.09 0.04 0.00 0.00
Interest Debt Per Share
6.08 5.84 3.03 2.81 6.19
Net Debt to EBITDA
-2.64 -2.32 -0.49 -1.21 -7.24
Profitability Margins
Gross Profit Margin
95.16%94.31%99.16%100.00%100.00%
EBIT Margin
57.64%60.76%67.65%62.50%53.65%
EBITDA Margin
59.88%64.10%71.25%68.75%61.38%
Operating Profit Margin
57.64%60.76%67.65%63.23%54.47%
Pretax Profit Margin
57.64%60.76%67.65%62.50%54.47%
Net Profit Margin
42.74%44.55%49.39%46.06%40.27%
Continuous Operations Profit Margin
42.74%44.55%49.39%46.06%40.27%
Net Income Per EBT
74.14%73.33%73.01%73.70%73.92%
EBT Per EBIT
100.00%100.00%100.00%98.85%100.00%
Return on Assets (ROA)
1.95%2.28%2.54%1.76%1.16%
Return on Equity (ROE)
12.53%15.58%20.93%20.27%10.46%
Return on Capital Employed (ROCE)
15.94%20.03%26.63%24.82%12.99%
Return on Invested Capital (ROIC)
13.23%13.02%18.17%16.83%8.26%
Return on Tangible Assets
1.99%2.33%2.59%1.79%1.18%
Earnings Yield
9.14%9.90%10.74%7.69%5.58%
Efficiency Ratios
Receivables Turnover
0.38 6.98 6.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
10.57 7.05 7.15 5.95 4.37
Asset Turnover
0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
-0.17 -0.14 -0.23 -0.11 -0.10
Cash Conversion Cycle
959.90 52.32 60.81 73.25 59.81
Days of Sales Outstanding
959.90 52.32 60.81 73.25 59.81
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
959.90 52.32 60.81 73.25 59.81
Cash Flow Ratios
Operating Cash Flow Per Share
5.03 5.31 5.92 4.23 3.30
Free Cash Flow Per Share
4.94 5.24 5.88 4.20 3.25
CapEx Per Share
0.09 0.07 0.04 0.03 0.05
Free Cash Flow to Operating Cash Flow
0.98 0.99 0.99 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
2.53 2.91 3.36 2.47 1.94
Capital Expenditure Coverage Ratio
54.70 81.18 136.27 140.20 67.02
Operating Cash Flow Coverage Ratio
0.91 1.02 2.06 1.55 0.54
Operating Cash Flow to Sales Ratio
0.46 0.45 0.48 0.43 0.41
Free Cash Flow Yield
9.63%9.99%10.43%7.11%5.64%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.94 10.10 9.31 13.01 17.92
Price-to-Sales (P/S) Ratio
4.69 4.50 4.60 5.99 7.22
Price-to-Book (P/B) Ratio
1.36 1.57 1.95 2.64 1.87
Price-to-Free Cash Flow (P/FCF) Ratio
10.38 10.01 9.59 14.06 17.74
Price-to-Operating Cash Flow Ratio
10.16 9.89 9.52 13.96 17.47
Price-to-Earnings Growth (PEG) Ratio
-7.19 -0.71 0.28 0.32 2.23
Price-to-Fair Value
1.36 1.57 1.95 2.64 1.87
Enterprise Value Multiple
5.19 4.70 5.97 7.50 4.42
Enterprise Value
844.82M 936.71M 1.39B 1.37B 582.48M
EV to EBITDA
5.19 4.70 5.97 7.50 4.36
EV to Sales
3.11 3.01 4.25 5.12 2.69
EV to Free Cash Flow
6.88 6.70 8.87 12.10 6.66
EV to Operating Cash Flow
6.75 6.62 8.80 12.02 6.56
Tangible Book Value Per Share
32.67 28.79 24.37 13.32 21.71
Shareholders’ Equity Per Share
37.57 33.35 28.94 22.39 30.80
Tax and Other Ratios
Effective Tax Rate
0.26 0.27 0.27 0.26 0.26
Revenue Per Share
10.94 11.66 12.27 9.85 8.00
Net Income Per Share
4.68 5.20 6.06 4.54 3.22
Tax Burden
0.74 0.73 0.73 0.74 0.74
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.26 0.16 0.15 0.17 0.22
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
1.04 1.02 0.98 0.93 1.03
Currency in USD