Westamerica Bancorporation cash flow to debt ratio of 76.42% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Westamerica Bancorporation's free cash flow has decreased 14.47% from $139.83M last year to $119.59M, signaling decreasing performance

Westamerica Bancorporation's debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability.

Westamerica Bancorporation's debt has decreased relative to shareholder equity from 0.16 last year to 0.15 today, signaling strengthened financials

Westamerica Bancorporation has a net cash position, so leverage is healthy.

Westamerica Bancorporation earns at least as much interest as it pays. Interest obligations are fully covered.

Westamerica Bancorporation's profit margin has decreased (6.40%) in the last year from 44.55% to 41.70%, signaling decreasing performance

Westamerica Bancorporation's short-term liabilities of $4.98B exceed its short-term assets of $2.16B, signaling financial risk

Westamerica Bancorporation's return on assets of 1.91% is lower than the 5.00% threshold, indicating inefficient asset utilization

Westamerica Bancorporation's return on equity of 12.31%, is lower than 15.00%, indicating bad performance

Westamerica Bancorporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Westamerica Bancorporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Westamerica Bancorporation has positive free cash flow, indicating the company generates cash after capital expenditures

Westamerica Bancorporation has a free cash flow yield of 8.70%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Westamerica Bancorporation's yearly earnings has decreased 16.20% since last year from $138.64M to $116.17M, signaling decreasing performance

Westamerica Bancorporation's yearly revenue has decreased 12.64% since last year from $311.17M to $271.84M, signaling decreasing performance

ROIC 1.91% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Westamerica Bancorporation's 3-year revenue CAGR of 0.62% is positive, indicating growing revenue over the past 3 years

Westamerica Bancorporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Westamerica Bancorporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Westamerica Bancorporation is undervalued relative to its fair value price of 81.35 based on Discounted Cash Flow model

Westamerica Bancorporation has an earnings yield of 8.12%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Westamerica Bancorporation is undervalued relative to its fair value price of 63.99 based on EBITDA multiple model

Westamerica Bancorporation has insufficient data to compute enterprise value.

Westamerica Bancorporation is undervalued relative to its fair value price of 95.56 based on Earnings Fair Value model

Westamerica Bancorporation has a PEG-ratio over 1 which is considered overvalued

Westamerica Bancorporation has a price-to-book ratio of 1.60x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Westamerica Bancorporation has a price-to-sales ratio of 5.13x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue