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Westamerica Bancorporation (WABC) — RQD Stock Rating Cockpit

$61.40 +0.79% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $61.37

Westamerica Bancorporation (WABC) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.42B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $61.37 (-0.05%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WABC)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY WABC SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 3% FCF Margin ($119.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$58.66+4.5% Next Q

Q2 (-2Q)

Grade C$61.28+0.2% Next Q

Q3 (-1Q)

Grade C$61.38+0% Next Q

Current

Grade C$61.40+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WABC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, WABC faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($59.52) or 200D SMA ($56.06) invalidates the momentum regime and cuts Target Base ($62.78) toward Bear Floor ($48.97).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WABC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WABC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

52.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE87% OF RANGE

L: $46$61.40H: $64

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on WABC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

12.4% ROIC with 42.0% gross margin and 8.43% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

25/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like WABC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (WABC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WABC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.00%▲ ASCENDING CHANNEL

2026-10-30O $61.66H $61.66L $60.61C $61.40VOL 143.3K

RES: $63.11SUP: $56.40SMA50: $59.52SMA200: $56.06

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WABC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WABC Butterfly Map → + Track WABC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WABC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WABC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WABC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WABC)

Financials Rank #389 of 1096 ⚔️ BHRB vs WABC Full Matrix →

1. Head-to-Head Financials Peer Comparison (WABC vs. BHRB, PEBO, TMP, FMBH)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Westamerica Bancorporation (WABC) ranks #389 by composite RQD confidence (63/100, grade C) and #502 by equity capitalization ($1.42B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. PEBO currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with WABC at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WABC ACTIVE Westamerica Bancorporation	C	63/100	12.2x	—	12.4%	+0.79%	$1.42B	Benchmark Subject
BHRB Burke & Herbert Financial Services Corp.	C-	61/100	12.2x	—	13.7%	+0.88%	$1.43B	/bhrb-vs-wabc →
PEBO Peoples Bancorp Inc.	B	72/100	13.1x	—	10.5%	+1.09%	$1.39B	/pebo-vs-wabc →
TMP Tompkins Financial Corporation	C-	61/100	9.1x	—	17.2%	+0.53%	$1.46B	/tmp-vs-wabc →
FMBH First Mid Bancshares Inc.	C	62/100	14.8x	—	9.6%	+1.21%	$1.36B	/fmbh-vs-wabc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000311094

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Westamerica Bancorporation (WABC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $116.2M, operating cash flow of $121.9M, and free cash flow of $119.7M (-14.4% YoY). On the balance sheet, WABC closed FY2025 with $5.96B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$116.2M	$121.9M	$119.7M	$5.96B	—
FY2024 (FY)	2024-12-31	$0	$138.6M	$141.6M	$139.8M	$6.08B	—
FY2023 (FY)	2023-12-31	$0	$161.8M	$158.2M	$158.2M	—	—

3. WABC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WABC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Westamerica Bancorporation (NASDAQ: WABC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $61.40 (+0.79% 1D, market cap $1.42B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, WABC ranks #389 in composite RQD confidence.

How does WABC compare to BHRB and PEBO in the Financials sector?

Within the Financials sector (Major Banks), WABC carries a Roarable C (63/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 12.4%. By comparison, BHRB (Burke & Herbert Financial Services Corp.) holds a C- grade (61/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.43B) and PEBO (Peoples Bancorp Inc.) posts a B grade (72/100 RQD, P/E 13.1x, ROIC 10.5%, cap $1.39B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WABC?

Per WABC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000311094), Westamerica Bancorporation generated $0 in revenue, $116.2M in net income, and $119.7M in free cash flow against $5.96B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WABC trading relative to its 50-day, 200-day, and 52-week technical levels?

WABC last traded at $61.40 (+0.79% on volume of 134,143 shares), positioning the stock +3.16% above its 50-day simple moving average ($59.52) and +9.53% above its 200-day simple moving average ($56.06). Across its 52-week range of $46.23 to $63.61, WABC sits at the 87.3% percentile with a 14-day RSI of 52.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($58.76 to $64.04).

WABC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell WABC stock right now?

Westamerica Bancorporation (WABC) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is WABC's 12-month price target and RQD AI Jury consensus?

WABC's 12-month base price target is $62.78 (range $48.97 to $74.08), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: WABC RQD Cockpit WABC 12M Forecast WABC Earnings & Move WABC Dividends & DRIP WABC Insiders & 13F WABC Whale Options WABC Profit Sankey WABC News & Why