WEST BANCORPORATION INC (WTBA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$29.29+0.97%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WTBA
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 2 guided quarters · 20.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue relationship building strategies to drive profitability improvements and enhance shareholder value.
Stated as a priority in 2 of last 2 quarters. Net income increased from $7.8 million in 2025-Q1 to $10.6 million in 2026-Q1, a 37% increase year-over-year for the first half. Management has reiterated relationship building as key to profitability and shareholder value, and the financial results show delivering progress.
“CEO: 'Our net income for the first half of 2026 has increased 37 percent compared to the first half of 2025.'”
“CEO: 'Our priorities continue to center on our relationship building strategies to drive improvements in profitability and build shareholder value.'”
Sustain pristine credit quality with no loans on nonaccrual status and minimal delinquencies.
Stated as a priority in 2 of last 2 quarters. Management reports no nonaccrual loans at both March 31, 2026 and June 30, 2026, with allowance for credit losses stable around 1.02-1.03%. This shows management is maintaining strong credit quality as committed.
“Credit quality remains pristine with no loans on nonaccrual status at June 30, 2026.”
“Credit quality remains pristine with no loans on nonaccrual status at March 31, 2026.”
Focus on increasing net interest margin and reducing the efficiency ratio to improve profitability.
Stated as a priority in 2 of last 2 quarters. Net interest margin increased from 2.27% in 2025-Q2 to 2.69% in 2026-Q2, while efficiency ratio improved from 56.45% to 48.78% over the same period. Management's focus on margin expansion and efficiency is reflected in these improving financial metrics.
“Net interest margin was 2.69% and efficiency ratio improved to 48.78% in Q2 2026.”
“Net interest margin was 2.59% and efficiency ratio improved to 49.85% in Q1 2026.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Over the trailing year it converted 1.25x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
2 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.