Westamerica Bancorporation — Earnings Quality Grade A
WABC · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 53 days, change -3 days YoY
AR growth -16.7% vs revenue growth -12.2%
Revenue -12.2%, CFFO -13.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 28.8% is >2x revenue growth -12.2%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $0.1B, FCF/NI = 1.03
Accruals ratio = -0.1%. Low accruals
Cash $0.6B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 13% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Westamerica Bancorporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25