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WABC

Westamerica Bancorporation
Chart
60.49 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-26 · 0.4w · Fresh
0.95
OS Score
83.0%
Value
94.0%
Quality
73.0%
Momentum
6/9
F-Score
0.883
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
12 of 23 passing
★
OS Composite
OS 0.950
↗
Trending Value
✗
◆
Quality × Value
QV 0.883
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 12.6
◇
VC2 Cheapest
✗
📐
EBITDA/EV
12.5%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
10.5%
💰
High Yield
Div 3.1%
🚀
Momentum Leaders
12-1 25%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 83%
🛡
Low Volatility
Vol 17%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.74
⚡
Risk-Adj Momentum
RAM 1.46
V
Value Analysis
Cheapness relative to fundamentals
83.0%ile
P/E
12.6×
P/S
5.2×
P/B
1.6×
E/P
0.1220
FCF Yield
0.102
EBITDA/EV
0.125
SH Yield
0.105
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
30.00000000
/100 — 1=cheapest
VC2 (Trending Value)
21.00000000
/100
VC3 (Buyback)
24.00000000
/100
FCF yield of 10.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
94.0%ile
ROE
0.130
ROA
0.019
Net Margin
0.417
Op Margin
0.561
GPA
0.043
D/E
5.80
Current
2.29
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.085
Earn Growth
-0.127
Stability
0.091
lower=better
Accruals
-0.002
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.80 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
73.0%ile
6M Return
23.5%
12M Return
28.0%
12-1 Mom
24.5%
Risk-Adj
1.46
Vol 252d
16.8%
Vol 60d
33.0%
↑ Expanding
Max DD 12M
-10.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 25% is very strong — a clear uptrend. Near-term vol (33%) is expanding vs long-term (17%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.95
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
58.3%
Sector Quality %ile
96.0%
P/E z-score
-0.17
P/B z-score
-0.05
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
NTRS Northern Trust Corporation 98.0% 94.0% 89.0% 81.0%
HCI HCI Group Inc 98.0% 94.0% 93.0% 76.0%
MCY Mercury General Corporation 98.0% 95.0% 83.0% 87.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (83th) and quality (94th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (83th value) with strong momentum (73th). The market is starting to recognise the value.
Strong Capital Return
Shareholder yield 10.5% backed by 10.2% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (33%) significantly exceeds 252-day (17%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
80.8% avg (7 factors)
Quality
C
48.5% avg (8 factors)
Momentum
B
64.7% avg (4 factors)
Risk
A
88.7% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.950—8—
Value %ile0.830—8—
Quality %ile0.940—8—
Momentum %ile0.730—3—
F-Score6.000—0—
Confidence1.000—8—
Volatility0.168—8—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.56
Earnings Yield (E/P)
0.1220
Price / Sales
5.24
Price / Book
1.63
Price / Cash Flow
11.41
FCF Yield
10.2%
EBITDA / EV
12.5%
Sales Yield (1/P·S)
0.2176
Shareholder Yield
Div + net buyback / mktcap
10.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
13.0%
Return on Assets
1.9%
Net Margin
41.7%
Operating Margin
56.1%
Gross Profit / Assets
Novy-Marx GPA
4.3%
Debt / Equity
5.80
Current Ratio
2.29
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.002
External Financing
Net issuance — lower=better
0.018
MomentumPrice trend strength over different horizons
6M Return
23.5%
12M Return
28.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
24.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.46
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-8.5%
Earnings Growth (YoY)
-12.7%
Earnings Stability (CV)
Lower = more stable
0.091
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
3.1%
Buyback Yield
7.4%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
30
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
21
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
24
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity