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Westamerica Bancorporation (WABC) Stock Analysis

Breakout setup

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $55.19 — A.R:R is negative (-1.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.9% away).

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products from local businesses and... Read more

$55.19-0.1% A.UpsideScore 5.0/10#134 of 142 Banks - Regional
Stop $52.35Target $55.10(resistance)A.R:R -1.5:1
Analyst target$58.00+5.1%1 analysts
Range unavailable (1 analysts)

Sell if holding. Analyst target reached at $55.19 — A.R:R is negative (-1.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.9% away). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Score 5.0/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 77d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (1.9% away)
Weak overall score: 5.0/10

Key Metrics

P/E (TTM)12.2
P/E (Fwd)12.8
Mkt Cap$1.3B
EV/EBITDA
Profit Mgn44.3%
ROE12.5%
Rev Growth-6.7%
Beta0.56
Dividend3.39%
Rating analysts7

Quality Signals

Piotroski F2/9

Options Flow

IV67%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Revenue shrinking — -6.7% YoY. Growth thesis broken unless recovery story develops.static

Revenue Growth
0.8
Earnings Growth
1.4
Declining revenue: -7%
GatesA.R:R -1.5=NEGATIVEMomentum 4.6<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.6>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 77d clearSEMI CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
62 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $51.17Resistance $56.22

Price Targets

$52
$55
A.Upside-0.2%
A.R:R-1.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-10.6% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-16 (77d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is WABC stock a buy right now?

Sell if holding. Analyst target reached at $55.19 — A.R:R is negative (-1.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.9% away). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Prior stop was $52.35. Score 5.0/10, moderate confidence.

What is the WABC stock price target?

Take-profit target: $55.10 (-0.1% upside). Prior stop was $52.35. Stop-loss: $52.35.

What are the risks of investing in WABC?

Analyst target reached - limited upside remaining; Near 52-week high (1.9% away); Weak overall score: 5.0/10.

Is WABC overvalued or undervalued?

Westamerica Bancorporation trades at a P/E of 12.2 (forward 12.8). TrendMatrix value score: 8.3/10. Verdict: Sell.

What do analysts say about WABC?

7 analysts cover WABC with a consensus score of 2.3/5. Average price target: $58.

What does Westamerica Bancorporation do?Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking...

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products from local businesses and professionals, as well as retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial real estate, residential real estate, real estate construction, consumer installment loans, as well as indirect automobile loans. The company serves small businesses, professionals, and consumers. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1884 and is headquartered in San Rafael, California.

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