60.05
+0.35%
Close of 9 Nov 2026, in USD
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About Westamerica Bancorp
From its filings with the US Securities and Exchange Commission
Westamerica Bancorp is based in San Rafael, California and is incorporated in California. Its shares trade on Nasdaq under the ticker WABC. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $116.2m. At that date it held total assets of $5.96bn and shareholders' equity of $933.5m.
Westamerica Bancorporation is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (“BHCA”). Its legal headquarters are located at 1108 Fifth Avenue, San Rafael, California 94901. Its principal administrative offices are located at 4550 Mangels Boulevard, Fairfield, California 94534, its telephone number is (707) 863-6000 and its website address is www.westamerica.com. The Company provides a full range of banking services to individual and commercial customers in Northern and Central California through its subsidiary bank, Westamerica Bank (the “Bank”). The Bank is a California-chartered commercial bank whose deposits are insured by the Federal Deposit Insurance Corporation (the “FDIC”) up to applicable limits. The principal communities served are located in Northern and Central California, from Mendocino, Lake and Nevada Counties in the north to Kern County in the south. The Company’s strategic focus is on the banking needs of small businesses. In addition, the Bank owns 100% of the capital stock of Community Banker Services Corporation (“CBSC”), a company engaged in providing the Company and its subsidiaries with data processing services and other support functions.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 21 Jul 2009
- Employees
- 608
- Website
- westamerica.com ↗
- Head office
- 1108 FIFTH AVE, SAN RAFAEL, CA, 94901
- Incorporated in
- CA
- Classification
- National Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. David PayneChairman of the Board, President, Chief Executive Officer, since 1988$786,658
- Ms. Anela JonasChief Financial Officer, Senior Vice President$446,043
- Mr. Brian DonohoeSenior Vice President, Chief Information Officer, since 2024$536,677
- Mr. John SousaSenior Vice President, Treasurer
- Mr. Robert BakerSenior Vice President - Banking Division Manager of Westamerica Bank$433,519
- Mr. Russell RizzardiSenior Vice President, Chief Credit Administrator of Westamerica Bank$437,825
- Mr. Edward SylvesterLead Independent Director$51,300
- Ms. Alisa BelewIndependent Director$42,400
- Mr. E. Joseph BowlerIndependent Director, since 1980$43,000
- Mr. Martin CamseyIndependent Director$34,567
- Dr. Melanie ChiesaIndependent Director$46,050
- Ms. Michele HassidIndependent Director$46,650
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 25
- Environment
- 2
- Social
- 13
- Governance
- 61
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Westamerica Bancorp has several strengths that contribute to its success in the banking industry. Firstly, the company has a strong and stable financial position, with consistent revenue growth and healthy profit margins. Additionally, Westamerica Bancorp has a well-established customer base, built upon a long history of providing reliable and high-quality banking services. The company's experienced management team ensures effective decision-making and strategic planning, further enhancing its competitive advantage.
Weaknesses
- Despite its strengths, Westamerica Bancorp also faces certain weaknesses that should be considered. Firstly, the company operates primarily in a localized market, limiting its potential for rapid geographic expansion. Secondly, Westamerica Bancorp's reliance on traditional banking channels may hinder its ability to adapt to the increasingly digital banking landscape. Furthermore, the company faces intense competition from larger national and international banking institutions, which may impact its market share. Addressing these weaknesses will be crucial for Westamerica Bancorp to maintain its growth and competitiveness.
Opportunities
- Westamerica Bancorp has identified several key opportunities for future growth and expansion. Firstly, the company can leverage emerging technologies to enhance its digital banking capabilities, attracting tech-savvy customers. Secondly, strategic partnerships with fintech companies or other innovative institutions can provide Westamerica Bancorp with access to new customer segments and markets. Additionally, expanding its product and service offerings, such as mortgage and wealth management solutions, can capture a larger share of customers' financial needs. By capitalizing on these opportunities, Westamerica Bancorp can strengthen its position in the industry and increase its market reach.
Threats
- Westamerica Bancorp faces certain threats that could impact its business operations and profitability. Firstly, regulatory changes and compliance requirements pose a significant risk to the company's operations and could increase operational costs. Additionally, economic downturns or financial crises may impact consumer confidence and spending, leading to a reduction in banking activities. The rise of alternative financial service providers, such as online payment platforms and peer-to-peer lending, also poses a threat to traditional banking institutions like Westamerica Bancorp. To mitigate these threats, the company must stay vigilant and adapt to evolving market conditions while maintaining a customer-centric approach.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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