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Westamerica Bancorporation vs Smartfinancial: WABC and SMBK compared
Westamerica Bancorporation is the larger company: $64.1M of revenue in its latest quarter (Q3 2026) against $57.5M for Smartfinancial (Q3 2026). Smartfinancial is growing faster (+13% against +0.5% a year earlier). Westamerica Bancorporation is more profitable, with an operating margin of 59.1% against 35.6%.
Where the money goes: WABC and SMBK
Westamerica Bancorporation (WABC) · Q3 2026
Westamerica Bancorporation, Q3 2026: revenue $64.1M (+0.5% year over year), operating margin 59.1%, net earnings $28.2M, operating cash flow $33.7M. The chart follows the revenue to costs, profit and cash.
Smartfinancial (SMBK) · Q3 2026
Smartfinancial, Q3 2026: revenue $57.5M (+13% year over year), operating margin 35.6%, net earnings $18.6M, operating cash flow −$11.0M. The chart follows the revenue to costs, profit and cash.
| Westamerica Bancorporation (WABC) | Smartfinancial (SMBK) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $64.1M | $57.5M |
| Revenue growth, Y/Y | +0.5% | +13% |
| Operating margin | 59.1% | 35.6% |
| Net earnings | $28.2M | $18.6M |
| Net margin | 44.0% | 32.4% |
| Operating cash flow | $33.7M | −$11.0M |
| Free cash flow | $33.0M | — |
| Market value | $1.4B | — |
| P/E | 12.6× | — |
| Analysts’ mean target | $65.00 | — |
Where the revenue comes from
Westamerica Bancorporation
- Net interest income: $53.4M (83%)
- Noninterest income: $10.7M (17%)
Smartfinancial
- Net interest income: $49.4M (86%)
- Noninterest income: $8.1M (14%)
Questions
Which is bigger, Westamerica Bancorporation or Smartfinancial?
Westamerica Bancorporation is the larger company: $64.1M of revenue in its latest quarter (Q3 2026) against $57.5M for Smartfinancial (Q3 2026).
Is Westamerica Bancorporation or Smartfinancial growing faster?
Smartfinancial is growing faster (+13% against +0.5% a year earlier).
Which is more profitable, Westamerica Bancorporation or Smartfinancial?
Westamerica Bancorporation is more profitable, with an operating margin of 59.1% against 35.6%.
More: Westamerica Bancorporation earnings · how Westamerica Bancorporation makes money · Smartfinancial earnings · how Smartfinancial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.