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West Bancorporation (WTBA)
NASDAQ:WTBA
Earnings Data
Report Date
Apr 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.59Last Year’s EPS
0.46Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a broadly positive picture: strong full-year earnings growth (+35% YoY), meaningful margin improvement, substantial core deposit gains and pristine credit metrics. Key near-term weaknesses include a quarter-to-quarter earnings dip driven by a $4M pretax securities loss, modest loan balance declines from large payoffs, and some concentration risk in a small watch list (notably trucking). Management emphasized balance-sheet repositioning and margin upside, and presented a constructive outlook for 2026, with caveats around deposit volatility from public funds and a cautious loan pipeline. Overall, the positive operating trends and capital/deposit strengths outweigh the transient and manageable headwinds.Company Guidance
Strong Full-Year Net Income Growth
Net income for fiscal 2025 was $32.6 million versus $24.1 million in 2024, an increase of 35% year-over-year. Fourth-quarter net income was $7.4 million (Q4 2024: $7.1 million) and management noted that, excluding a pretax $4 million securities loss, Q4 net income would have exceeded $10 million.
Net Interest Margin Expansion and Lower Deposit Costs
Net interest margin improved 11 basis points sequentially and 49 basis points year-over-year. Cost of deposits declined 28 basis points versus the prior quarter and 64 basis points versus the year-ago quarter. Management sees room for further margin improvement (reported starting point ~2.5%).
Material Core Deposit Growth
Core deposit balances (excluding brokered funds) increased approximately $212 million in Q4 and $223 million for the full year. Management also reported total deposit balance growth of just over $162 million during the quarter, with increases across retail, commercial and public fund categories.
Pristine Credit Quality
Credit metrics remain strong: no past-due loans over 30 days, no other real estate owned, no nonaccruals and no substandard loans. Watch list remains low at 1.7% of loans and no provision for credit losses was recorded in the quarter.
Securities Repositioning to Improve Balance Sheet Flexibility
Sold $64 million of available-for-sale securities and realized a pretax net loss of $4 million. Management characterized the trade as improving balance sheet flexibility to redeploy proceeds into higher-earning assets or to repay high‑cost funding and indicated ongoing evaluation of additional repositioning opportunities.
Dividend and Positive Outlook for 2026
West Bank declared a $0.25 dividend payable February 25, signaling confidence. Management communicated expectations for margin expansion, pickup in loan growth when the economic expansion resumes, and described 2026 as a year with upside potential for core earnings.
Loan Repricing Opportunity
Approximately just under $400 million of fixed-rate loans are expected to reprice in 2026 with an anticipated yield pickup of roughly 1.5%–2% (moving maturing yields into the mid-4% range), providing potential near-term net interest income benefit.
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 |
|---|---|---|---|
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% |
Apr 24, 2025 | $18.75 | $17.83 | -4.89% |
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 Apr 23, 2026, Before Open (Confirmed).
What is West Bancorporation (WTBA) earnings time?
West Bancorporation (WTBA) earnings time is at Apr 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 (Q1) is 0.59.