WABC WESTAMERICA BANCORPORATION

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Commercial banking primarily serving small businesses in Northern and Central California through Westamerica Bank subsidiary
• • No new products or segments introduced; continued focus on core banking and support via Community Banker Services Corporation
• • Strategic emphasis on environmental practices, including recycling, energy control, and climate risk mitigation, not highlighted in prior years
• • Employee count stable at 627 (608 FTE) with comprehensive benefits and performance-based incentives detailed for 2025
• • Regulatory context: Assets approx. $6.0B, deposits $4.8B, shareholders’ equity $934M as of Dec 31, 2025, with all regulatory capital ratios exceeding minimums

Risk Factors

• • Regulatory risk from Federal Reserve Board's FOMC interest rate policies impacting loan origination and deposit rates
• • Macroeconomic exposure to fluctuating interest rates affecting income and cash flow from loans and investments
• • Operational dependency on competitive interest rate pricing to attract loans and deposits in volatile rate environment
• • Competitive threat from rival banks influencing deposit pricing and loan competition in Westamerica's markets
• • Financial risk linked to interest margin compression reducing net interest income and cash flow stability

Management Discussion & Analysis

• • Revenue $258.1M in 2025 down 14.4% YoY from $301.1M in 2024 due to net interest income ($217.3M vs $250.6M) and noninterest income declines ($40.8M vs $43.2M)
• • Operating margin (efficiency ratio) worsened to 39.3% in 2025 from 35.4% in 2024; net interest margin fell to 3.82% in 2025 from 4.14% in 2024
• • Best segment: Investment securities income with $162.3M (3.77% yield) in 2025; worst segment: Loans down to $41.95M interest income on $755.7M at 5.55% yield in 2025, declining from prior years
• • Operating cash flow supported $47M dividends ($1.82/share), no share buybacks reported, capital expenditures not disclosed; shareholders' equity increased to $933.5M from $890M
• • Management cautious on inflation, rate cuts, and banking sector volatility risks; notes regional bank failures and liquidity uncertainties could impact future performance

What are the latest WABC SEC filings in 2026?

WESTAMERICA BANCORPORATION (WABC) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 23, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did WABC file its most recent 10-K annual report?

WESTAMERICA BANCORPORATION (WABC) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view WABC 10-Q quarterly reports?

WESTAMERICA BANCORPORATION (WABC)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every WABC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has WABC filed recently?

WESTAMERICA BANCORPORATION (WABC)'s most recent 8-K was filed on July 23, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find WABC insider trading activity (Form 4)?

SignalX aggregates every WABC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does WABC file with the SEC?

WESTAMERICA BANCORPORATION (WABC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new WABC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for WESTAMERICA BANCORPORATION (WABC).

What is WABC's SEC CIK number?

WESTAMERICA BANCORPORATION (WABC)'s SEC CIK (Central Index Key) number is 311094. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 311094 to look up all WABC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find WABC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from WESTAMERICA BANCORPORATION (WABC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.