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Intrinsic value of Westamerica Bancorporation (WABC)

Previous Close$59.05
Intrinsic Value
Upside potential
Previous Close
$59.05
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh30.89 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial and residential real estate, real estate construction, and consumer installment loans, as well as other loans primarily consisting of indirect automobile loans. Westamerica Bancorporation operates through 80 branch offices in 21 counties in Northern and Central California. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1972 and is headquartered in San Rafael, California.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %4.2NaN
Revenue, $217NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m100NaN
Operating income, $m117NaN
EBITDA, $m128NaN
Interest expense (income), $mNaN
Earnings before tax, $m117NaN
Tax expense, $m31NaN
Net income, $m87NaN

BALANCE SHEET

Cash and short-term investments, $m1132NaN
Total assets, $m7461NaN
Adjusted assets (=assets-cash), $m6329NaN
Average production assets, $m155NaN
Working capital, $m-4384NaN
Total debt, $m164NaN
Total liabilities, $m6634NaN
Total equity, $m827NaN
Debt-to-equity ratio0.198NaN
Adjusted equity ratio-0.024NaN

CASH FLOW

Net income, $m87NaN
Depreciation, amort., depletion, $m11NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m89NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-1NaN
Free cash flow, $m90NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-4384
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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