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WABC

Westamerica Bancorporation
Chart
$56.58
Latest Week 2026-06-05
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.93
OS Score
79.0%
Value
90.0%
Quality
68.0%
Momentum
6/9
F-Score
0.843
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.930
↗
Trending Value
✗
◆
Quality × Value
QV 0.843
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 12.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
13.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
3.4%
💰
High Yield
Div 3.4%
🚀
Momentum Leaders
12-1 17%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 79th
🛡
Low Volatility
Vol 18%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
79.0%ile
P/E
12.2×
P/S
5.1×
P/B
1.6×
E/P
0.0818
FCF Yield
0.109
EBITDA/EV
0.139
SH Yield
0.034
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
28.00000000
/100 — 1=cheapest
VC2 (Trending Value)
23.00000000
/100
VC3 (Buyback)
23.00000000
/100
FCF yield of 10.9% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
90.0%ile
ROE
0.127
ROA
0.019
Net Margin
0.421
Op Margin
0.566
GPA
0.043
D/E
5.64
Current
2.91
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.115
Earn Growth
-0.156
Stability
0.104
lower=better
Accruals
-0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.64 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
68.0%ile
6M Return
21.0%
12M Return
21.0%
12-1 Mom
17.3%
Risk-Adj
0.95
Vol 252d
18.1%
Vol 60d
37.1%
↑ Expanding
Max DD 12M
-10.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (37%) is expanding vs long-term (18%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.93
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
44.3%
Sector Quality %ile
88.2%
P/E z-score
-0.08
P/B z-score
-0.05
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
RNR Renaissancere Holdings Ltd 98.0% 97.0% 96.0% 70.0%
VBNK VersaBank 98.0% 94.0% 85.0% 91.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (79th) and quality (90th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Volatility Expanding
60-day vol (37%) significantly exceeds 252-day (18%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
71.6% avg (7 factors)
Quality
C
51.4% avg (8 factors)
Momentum
C
56.4% avg (4 factors)
Risk
A
86.5% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.930—1—
Value %ile0.790—1—
Quality %ile0.900—1—
Momentum %ile0.680—0—
F-Score6.000—0—
Confidence1.000—1—
Volatility0.181—1—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.23
Earnings Yield (E/P)
0.0818
Price / Sales
5.14
Price / Book
1.56
Price / Cash Flow
11.53
FCF Yield
10.9%
EBITDA / EV
13.9%
Sales Yield (1/P·S)
0.2372
Shareholder Yield
Div + net buyback / mktcap
3.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
12.7%
Return on Assets
1.9%
Net Margin
42.1%
Operating Margin
56.6%
Gross Profit / Assets
Novy-Marx GPA
4.3%
Debt / Equity
5.64
Current Ratio
2.91
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
MomentumPrice trend strength over different horizons
6M Return
21.0%
12M Return
21.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
17.3%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.95
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-11.5%
Earnings Growth (YoY)
-15.6%
Earnings Stability (CV)
Lower = more stable
0.104
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
3.4%
Buyback Yield
0.0%
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
28
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
23
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
23
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