WABC at a glance
WESTAMERICA BANCORPORATION (WABC, SEC CIK 311094) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as July 24, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), WESTAMERICA BANCORPORATION (WABC) reported revenue of $231.0 million (down 13.8% from FY2024) and net income of $116.2 million. Diluted EPS was $4.52.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding WESTAMERICA BANCORPORATION (WABC) shares worth $654.8 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Wondeh Inez on April 22, 2026 of 61 shares at $53.78 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $231.0M
- −13.8% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 29 funds
- $654.8M · −1 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the WABC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $62.8M, down from $64.9M YoY, driven by net interest income declining to $52.7M from $54.6M
- Net interest margin 3.77% vs 3.85% YoY; efficiency ratio 41.3% vs 39.3%
- Net income $27.4M vs $29.1M YoY; diluted EPS $1.17 vs $1.12
- Best line: merchant processing services $2.8M vs $2.7M; weakest: debit card fees $1.5M vs $1.7M
- Management cited inflation, Fed policy, Middle East conflict, tariffs, trade tensions, liquidity risks, and deposit outflows as headwinds
Risk Factors
- No material risk-factor changes disclosed; 10-K risk disclosures incorporated by reference
- No new regulatory, legal, or compliance risk identified in provided section
- No operational, competitive, or market risk updates provided
- No liquidity, debt, currency, or concentration risk updates provided
AI summary of the WABC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Press release issued July 23, 2026 under Item 8.01
- Exhibit 99.1 contains the substantive event details relevant to shareholders
Item 2.02: Results of Operations and Financial Condition
- July 16, 2026 press release reports Westamerica Bancorporation’s fiscal-year 2026 results
- Full financial metrics and management commentary available in Exhibit 99.1
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 8 director nominees elected to one-year terms, maintaining board continuity
- Executive compensation approved on an advisory basis, with 18,355,387 votes supporting
AI summaries of WABC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for WABC
Don't miss the next WABC filing
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- Fund moves. Which tracked funds opened, added or cut WABC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Belton Curtis | M | Jul 24, 2026 | 9,200 | - |
| DONOHOE BRIAN J | M | Jul 20, 2026 | 15,100 | - |
| Baker Robert James Jr | M | Jul 20, 2026 | 15,000 | - |
| Baker Robert James Jr | M | Jul 20, 2026 | 14,400 | - |
| DONOHOE BRIAN J | M | Jul 20, 2026 | 5,900 | - |
| Baker Robert James Jr | M | May 1, 2026 | 10,200 | - |
| Belton Curtis | M | Apr 24, 2026 | 10,600 | - |
| Wondeh Inez | Buy | Apr 22, 2026 | 61 | $53.78 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $284.0M | $268.0M | $231.0M |
| Net Income | $161.8M | $138.6M | $116.2M |
| Net Margin | 57.0% | 51.7% | 50.3% |
| Balance Sheet | |||
| Total Assets | $6.4B | $6.1B | $6.0B |
| Equity | $772.9M | $890.0M | $933.5M |
| ROE | 20.9% | 15.6% | 12.4% |
| Per Share | |||
| EPS | - | $5.20 | $4.52 |
| Cash Flow | |||
| Operating CF | $158.2M | $141.6M | $121.9M |
| CapEx | $1.2M | $1.7M | $2.2M |
Source: XBRL data in WESTAMERICA BANCORPORATION (WABC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate WABC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $654.8M |
| Q1 2026 | 30 | $587.3M |
| Q4 2025 | 28 | $562.0M |
| Q3 2025 | 29 | $590.4M |
| Q2 2025 | 29 | $559.7M |
| Q1 2025 | 25 | $410.9M |
| Q4 2024 | 21 | $388.2M |
| Q3 2024 | 17 | $181.2M |
- State Street Corp+190.8K (+16%)
- AQR Capital Management+96.2K (+24%)
- Dimensional Fund Advisors+38.9K (+4%)
- Northern Trust+14.4K (+5%)
- Wells Fargo & Co+13.0K (+94%)
- BlackRock−113.6K (-3%)
- Renaissance Technologies LLC−79.9K (-52%)
- Vanguard Capital Management LLC−60.5K (-6%)
- Two Sigma Investments−49.2K (-14%)
- Vanguard Portfolio Management LLC−38.9K (-2%)
- Millennium Management−56.2K
Source: 13F-HR filings on SEC EDGAR (aggregated from 208 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
WABC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| SC 13G | Aug 7, 2026 | - | - | |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 24, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 20, 2026 | - | - | - |
| 4 | Jul 20, 2026 | - | - | - |
| 8-K | Jul 16, 2026 | - | Analysis | - |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 4, 2026 | - | - | - |
| SC 13G | Apr 30, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 8-K | Apr 27, 2026 | - | Analysis | - |
| 4 | Apr 24, 2026 | - | - | - |
| 8-K | Apr 24, 2026 | - | Analysis | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Apr 23, 2026 | - | - | - |
| 4 | Apr 20, 2026 | - | - | - |
| 8-K | Apr 16, 2026 | - | Analysis | - |
| 4 | Mar 3, 2026 | - | - | - |
| 4 | Mar 2, 2026 | - | - | - |
| 10-K | Feb 27, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Jan 28, 2026 | - | - | |
| 4 | Jan 26, 2026 | - | - | |
| 4 | Jan 26, 2026 | - | - |
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WABC SEC filings: frequently asked questions
Which institutions hold WABC stock?
As of June 30, 2026, the largest WESTAMERICA BANCORPORATION (WABC) holders among the 13F filers tracked by SignalX were BlackRock ($195.7 million), Vanguard Portfolio Management LLC ($101.0 million), State Street Corp ($81.8 million), Vanguard Capital Management LLC ($60.7 million), Dimensional Fund Advisors ($57.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was WABC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), WESTAMERICA BANCORPORATION (WABC) reported revenue of $231.0 million (down 13.8% from FY2024) and net income of $116.2 million. Diluted EPS was $4.52. The figures come from the XBRL data in the 10-K.
What are the main risks in WABC's latest 10-K?
In the 10-K filed February 27, 2026, WESTAMERICA BANCORPORATION (WABC) flagged: 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. (AI summary of the Risk Factors section.)
What did WABC report in its latest 8-K?
WESTAMERICA BANCORPORATION (WABC) filed an 8-K on July 23, 2026 reporting Item 8.01 (Other Events). Press release issued July 23, 2026 under Item 8.01.
What are the latest WABC SEC filings?
WESTAMERICA BANCORPORATION (WABC) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on July 24, 2026.
What is WABC's SEC CIK number?
WESTAMERICA BANCORPORATION (WABC)'s SEC Central Index Key (CIK) is 311094. EDGAR lists every WABC filing under that number.
Ask anything about WABC
The research agent reads WABC's filings, financials, insider trades and 13F holders, then answers with sources.