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Westamerica Bancorporation (WABC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Westamerica Bancorporation (WABC) Q3 2026 earnings results →
Q3 2026 Revenue up 0% year over year to $64.1M · 44¢ of every $1 of revenue kept as net profit · operating margin 59.1%
Westamerica Bancorporation made $64.1M in Q3 2026 (+0.5% Y/Y): Net interest income $53.4M, Noninterest income $10.7M. Operating margin 59.1%, net earnings $28.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $64.1M in Q3 2026, roughly flat year over year and up 2% from the previous quarter. Net interest income was the largest line at 83% of revenue. Noninterest income added $552K year over year (up 5%), 176% of the total change.
Operating profit was $37.8M, a 59.1% margin (down 0.5 points year over year). Operating profit fell $105K even though revenue rose $313K versus a year earlier, so costs grew faster than sales. Total costs grew 2% against flat revenue. Net earnings were $28.2M, roughly flat year over year. The effective tax rate was 25.6%.
Operating cash flow was $33.7M (up 14% year over year), 120% of net earnings. Non-cash charges added back $200K of depreciation and amortization. Working capital and other items added $5.3M. Capital expenditures of $660K left free cash flow of $33.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $64.1M | +0.5% | 59.1% | $28.2M | $33.7M |
Charts
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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About Westamerica Bancorporation
Westamerica Bancorporation is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (“BHCA”). Its legal headquarters are located at 1108 Fifth Avenue, San Rafael, California 94901. Its principal administrative offices are located at 4550 Mangels Boulevard, Fairfield, California 94534, its telephone number is (707) 863-6000 and its website address is www.westamerica.com. The Company provides a full range of banking services to individual and commercial customers in Northern and Central California through its subsidiary bank, Westamerica Bank (the “Bank”). The Bank is a California-chartered commercial bank whose deposits are insured by the Federal Deposit Insurance Corporation (the “FDIC”) up to applicable limits.
In its own words, from its 10-K, filed Feb 27, 2026.
Westamerica Bancorporation against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +0.5% against the peers' median +6%. Operating margin: 59.1% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WABC Westamerica Bancorporation | Q3 2026 | $64.1M | +0.5% | 59.1% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Westamerica Bancorporation 10-Q on SEC EDGAR · CIK 311094 · National Commercial Banks
Guidance and outlook
13F: who owns WABC and who is buying
More on WABC
History
Every quarter: Q3 2026 results