ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Westamerica Bancorporation ?
1
The company has declared Negative results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Lowest at USD 95.24 MM
- NII(Q) Lowest at USD 53.31 MM
- NET SALES(Q) Lowest at USD 56.79 MM
2
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -1.44% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Westamerica Bancorporation for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Westamerica Bancorporation
-1.06%
0.47
23.50%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.85%
EBIT Growth (5y)
9.28%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.22%
Pledged Shares
0
Institutional Holding
85.92%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.33
EV to EBIT
5.36
EV to EBITDA
5.15
EV to Capital Employed
1.60
EV to Sales
3.49
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
29.92%
ROE (Latest)
12.44%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
-15What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 95.24 MM
NII(Q)
Lowest at USD 53.31 MM
NET SALES(Q)
Lowest at USD 56.79 MM
OPERATING PROFIT(Q)
Lowest at USD 37.84 MM
PRE-TAX PROFIT(Q)
Lowest at USD 37.84 MM
NET PROFIT(Q)
Lowest at USD 27.81 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 15.01%
Here's what is working for Westamerica Bancorporation
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Westamerica Bancorporation
NII
Lowest at USD 53.31 MM and Fallen
In each period in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Operating Cash Flow
Lowest at USD 95.24 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 56.79 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
Operating Profit
Lowest at USD 37.84 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (USD MM)
Pre-Tax Profit
Lowest at USD 37.84 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 27.81 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Credit Deposit Ratio
Lowest at 15.01%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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