WABC Q4 2024 Earnings — Westamerica Bancorporation Revenue & Financial Results | Market Cap Arena

WABCWestamerica Bancorporation

$1B

Q4 2024 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$73M-11.0% YoY

Gross Profit

$70M95.3% margin

Operating Income

$44M59.9% margin

Net Income

$32M43.4% margin

EPS (Diluted)

$1.19

QoQ Revenue Growth

-8.4%

Cash Flow

Operating Cash Flow

$30M

Free Cash Flow

$29M

Stock-Based Comp.

$339,000

Balance Sheet

Total Assets

$6.1B

Total Liabilities

$5.2B

Stockholders' Equity

$890M

Cash & Equivalents

$601M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$73M	$82M	-11.0%
Gross Profit	$70M	$80M	-13.4%
Operating Income	$44M	$55M	-20.3%
Net Income	$32M	$39M	-19.7%

Revenue Segments

Deposit Account

$10M36%

Credit Card, Merchant Discount

$8M28%

Debit Card

$5M18%

Fiduciary and Trust

$2M9%

ATM Processing Fees

$2M6%

Financial Service, Other

$1M5%