Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Westamerica Bank (WABC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$61.28+1.49%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
4.67 → 4.94 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for WABC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain a significant portion of deposits as non-interest bearing | The bank has a stable, low-cost deposit base. | Intact | non-interest bearing deposits fall below 30% of total deposits | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a financial-sector investment with a durable-premium valuation, rather than a clear turnaround or high-growth story. The multi-year thesis is in watch mode: recent earnings beats are encouraging, but performance remains below the industry cohort.
Valuation is 1.37 times the peer level, with a modest expectations gap and medium model confidence. The evidence describes the premium as justified and pricing fragility as low, while valuation has recently fallen; it does not show that investors are assuming a major acceleration.
In the near term, the three recent earnings beats are positive, but supplied financial periods show revenue and net income declining, and recent performance is below the industry cohort. Management has maintained and increased quarterly dividends, while the expanded repurchase authorization has no reported quarterly execution figures in the evidence.
Over the next one to three years, the thesis depends partly on whether the company’s financial performance improves relative to its industry cohort. Near-term sector conditions also matter: rate cuts could weigh on Financials, while continued earnings strength from sector bellwethers could support sector momentum; weaker results from those firms could remove that support.
WABC has a supported but still conditional multi-year thesis, with recent earnings beats offset by weaker relative performance and unresolved repurchase execution. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Westamerica Bank controls costs with $25.9M in operating expenses. |
| Intact |
| operating expenses rise above $26 million per quarter |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Sustain share repurchases near 1 million shares and $0.46 dividend per quarter | It returns cash by retiring 997K shares and paying $0.46 dividend per share. | Intact | share repurchases fall below 500K shares or dividend below $0.40 per share per quarter | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$4.67 → $4.94 · observed estimates
$0.25B → $0.26B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-25 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-26 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-27 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-28 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-29 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-30 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-07-31 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-01 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-02 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-03 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-04 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-05 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-06 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-08 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-09 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-10 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-12 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-13 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-14 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-15 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-16 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-17 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-18 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-19 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-20 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-21 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-22 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-23 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-24 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-25 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-26 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-27 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-28 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-29 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-30 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-08-31 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-01 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-02 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-03 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-04 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-05 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-06 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-07 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-08 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-09 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-10 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-11 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-12 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-13 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-14 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-15 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-16 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-17 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-18 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-19 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-20 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-21 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-22 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-23 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-24 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-25 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-26 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-27 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-28 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-29 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-09-30 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-01 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-02 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-03 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-04 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-05 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-06 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-07 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-08 | $4.67 | $247,700,000 | 2 / 1 |
| 2026-10-09 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-10 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-11 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-12 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-13 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-14 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-15 | $4.68 | $247,700,000 | 2 / 1 |
| 2026-10-16 | $4.70 | $259,000,000 | 2 / 1 |
| 2026-10-17 | $4.70 | $259,000,000 | 2 / 1 |
| 2026-10-18 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-19 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-20 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-21 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-22 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-23 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-24 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-25 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-26 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-27 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-28 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-29 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-30 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-10-31 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-11-01 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-11-02 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-11-03 | $4.94 | $259,000,000 | 2 / 1 |
| 2026-11-04 | $4.94 | $259,000,000 | 2 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.