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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 4.2% |
| Our one-year growth estimate | diamond | -29.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 33.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
WTBA — earnings miss
Dated 2026-01-29
Results of Operations and Financial Condition. On January 29, 2026, West Bancorporation, Inc. (the "Company") issued a press release announcing its fourth quarter earnings results for the period ended December 31, 2025, and the declaration of a quarterly dividend. A copy of the press release is attached hereto as Exhibit 99.1. The information furnished in this item of this Form 8-K, and the related exhibit, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act…
Why it matters: More nonaccrual loans would show management is struggling to keep strong credit quality.
Worry ifNonaccrual loans increase above 1% of total loans by Q3 2026.
Less concerning ifNo nonaccrual loans reported in Q3 2026.
Why it matters: A reduction in watch list loans shows improved loan quality and risk management.
Supportive ifWatch list loans decrease to below $5 million by Q3 2026.
Worry ifIf watch list loans rise above $10 million, it may signal credit problems.
Why it matters: An increased dividend shows strong financial health. It shows a commitment to giving value to shareholders.
Supportive ifThe Board declares a quarterly dividend greater than $0.26 per share.
Worry ifThe Board maintains the dividend at $0.26 or lowers it.
Why it matters: A higher net interest margin shows better profits. It means good management of interest rates.
Supportive ifNet interest margin exceeds 2.75% in Q3 2026.
Worry ifNet interest margin falls below 2.60% in Q3 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $268 loss on $10,000 · 2.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,299 loss on $10,000 · 13.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector's growth phase.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth remains at or above the median of 15% year over year.
Why it matters: A big drop in deposits may show problems with keeping customers. It also affects liquidity.
Worry ifTotal deposits remain stable or increase in Q3 2026.
Less concerning ifTotal deposits decline more than 2% in Q3 2026.
Why it matters: Strong net income growth shows good relationship building. It also means making more money.
Supportive ifQ3 net income grows more than 30% year over year compared to Q3 2025.
Worry ifQ3 net income growth is less than 20% year over year.
Why it matters: A higher net income shows strong performance and growth. It backs management's focus on making money.
Supportive ifQ3 net income reported above $11.1 million, indicating growth from Q2.
Worry ifQ3 net income falls below $10.6 million, suggesting a slowdown in performance.
Why it matters: More substandard loans may show weaker credit quality. This is a key focus for management.
Worry ifSubstandard loans remain at or below $14.4 million.
Less concerning ifSubstandard loans rise above $14.4 million. This suggests there are credit quality problems.
Why it matters: No nonaccrual loans show strong credit management. This helps build investor trust.
Supportive ifNo nonaccrual loans reported for Q3 2026.
Worry ifAny nonaccrual loans in Q3 2026 would show credit quality problems.
Why it matters: A bigger drop in loan balances may show weak demand. It could also mean credit issues.
Worry ifLoan balances decrease more than 1.4% in Q3.
Less concerning ifLoan balances increase or decrease less than 1.4% in Q3.
Why it matters: A drop below this level could signal a slowdown in the financial sector's growth phase.
Worry ifSector revenue growth reported below 15% year over year.
Less concerning ifSector revenue growth remains at or above 15% year over year.