Stock Ratings / Financials / WTBA / dividends

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West Bancorporation (WTBA) Dividend Safety Gauge & 10-Year DRIP Compounder

$30.04 -1.38% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.91

West Bancorporation (WTBA) 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 $512.0M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $29.91 (-0.44%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 1.1% 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+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WTBA)Realized 20D OHLCV Swing Band: ±4.9%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY WTBA 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+15/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 1.1% FCF Margin ($43.2M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

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

Q1 (-3Q)

Grade C$28.37+2.9% Next Q

Q2 (-2Q)

Grade C$29.19+4.3% Next Q

Q3 (-1Q)

Grade C$30.44-1.3% Next Q

Current

Grade C$30.04+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 WTBA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, WTBA faces multiple-compression risk if 15.7x 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 ($29.14) or 200D SMA ($26.11) invalidates the momentum regime and cuts Target Base ($30.72) toward Bear Floor ($23.96).

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

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

YES 63%NO 37%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.1% Total Yield

3.3% Cash ($0.99/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

25.4% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $26,174

Est. Year-10 Shareholder Yield: $1,335/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.1K

Yr 2

$13.3K

Yr 3

$14.7K

Yr 4

$16.2K

Yr 5

$17.8K

Yr 6

$19.6K

Yr 7

$21.6K

Yr 8

$23.8K

Yr 9

$26.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in WTBA & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on WTBA and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal 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

WTBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.43%▲ ASCENDING CHANNEL

2026-10-30O $30.12H $30.55L $29.79C $30.04VOL 65.3K

RES: $30.97SUP: $28.40SMA50: $29.14SMA200: $26.11

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

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

🦋 WTBA Butterfly Map → + Track WTBA →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.2%/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 WTBA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WTBA 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 (WTBA)

Financials Rank #396 of 1096 ⚔️ OBT vs WTBA Full Matrix →

1. Head-to-Head Financials Peer Comparison (WTBA vs. OBT, COFS, CZNC, PBAM)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, West Bancorporation (WTBA) ranks #396 by composite RQD confidence (63/100, grade C) and #699 by equity capitalization ($512.0M). Within this direct 5-issuer industry benchmark cohort, OBT leads on earnings valuation at 12.4x trailing P/E, while OBT leads on capital efficiency and profitability with 14.6% ROIC and — gross margin. OBT currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with WTBA at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WTBA ACTIVE West Bancorporation	C	63/100	15.7x	—	12.2%	-1.38%	$512.0M	Benchmark Subject
OBT Orange County Bancorp Inc.	C+	68/100	12.4x	—	14.6%	+1.26%	$517.3M	/obt-vs-wtba →
COFS ChoiceOne Financial Services Inc.	C+	66/100	18.6x	—	6.1%	+1.72%	$523.4M	/cofs-vs-wtba →
CZNC Citizens & Northern Corp	C+	67/100	21.3x	—	6.9%	+1.20%	$498.9M	/cznc-vs-wtba →
PBAM Private Bancorp of America Inc.	D	50/100	—	—	—	+0.22%	$490.2M	/pbam-vs-wtba →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001166928

In its most recent audited fiscal period (FY2025, filed 2025-12-31), West Bancorporation (WTBA) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $32.6M, operating cash flow of $46.5M, and free cash flow of $43.2M (+215.6% YoY). On the balance sheet, WTBA closed FY2025 with $4.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$32.6M	$46.5M	$43.2M	$4.14B	—
FY2024 (FY)	2024-12-31	$0	$24.1M	$39.8M	$13.7M	$4.01B	—
FY2023 (FY)	2023-12-31	$0	$24.1M	$25.2M	$25.2M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, West Bancorporation (NASDAQ: WTBA) 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 $30.04 (-1.38% 1D, market cap $512.0M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, WTBA ranks #396 in composite RQD confidence.

How does WTBA compare to OBT and COFS in the Financials sector?

Within the Financials sector (Major Banks), WTBA carries a Roarable C (63/100 RQD), trailing P/E of 15.7x, gross margin of —, and ROIC of 12.2%. By comparison, OBT (Orange County Bancorp Inc.) holds a C+ grade (68/100 RQD, P/E 12.4x, ROIC 14.6%, cap $517.3M) and COFS (ChoiceOne Financial Services Inc.) posts a C+ grade (66/100 RQD, P/E 18.6x, ROIC 6.1%, cap $523.4M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).

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

Per WTBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001166928), West Bancorporation generated $0 in revenue, $32.6M in net income, and $43.2M in free cash flow against $4.14B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. 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 WTBA trading relative to its 50-day, 200-day, and 52-week technical levels?

WTBA last traded at $30.04 (-1.38% on volume of 56,687 shares), positioning the stock +3.09% above its 50-day simple moving average ($29.14) and +15.05% above its 200-day simple moving average ($26.11). Across its 52-week range of $20.89 to $30.92, WTBA sits at the 91.2% percentile with a 14-day RSI of 55.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.9% ($28.57 to $31.51).

WTBA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does WTBA pay a dividend and is it safe?

West Bancorporation (WTBA) offers a 3.3% cash dividend yield ($0.99 annualized) and 5.1% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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