West Bancorporation (WTBA) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-02, West Bancorporation (NASDAQ: WTBA) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 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 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, WTBA ranks #86 in composite RQD confidence.
Within the Financials sector (Major Banks), WTBA carries a Roarable B (72/100 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 (69/100 RQD, P/E 12.4x, ROIC 14.6%, cap $517.3M) and COFS (ChoiceOne Financial Services Inc.) posts a C grade (63/100 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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 1.1% FCF Margin ($43.2M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (56.9) create a -7 pt regime headwind
Even with a 72/100 (B) 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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.17) or 200D SMA ($26.15) invalidates the momentum regime and cuts Target Base ($31.93) toward Bear Floor ($24.63).
West Bancorporation (WTBA) slipped -1.38% to $30.04, trading at 91% of its 52-week range ($20.81 – $30.92). High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
West Bancorporation came into this Q3 2026 report with the stock almost flat on the day, slipping just 0.4% to US$29.91 after a modest gain over the past month. That muted move sits awkwardly beside what the bank just re
Loan growth returned for the first time in over a year amid margin expansion.
Moby summary of West Bancorporation, Inc.'s Q3 2026 earnings call
West Bancorporation (NASDAQ:WTBA) reported higher third-quarter earnings as net interest income and margin improved, while executives said loan growth returned after several quarters of customer asset sales and refinanci
2026-10-30. The following slide deck was published by West Bancorporation, Inc.
West Bancorporation, Inc. (WTBA) Q3 2026 Earnings Call October 29, 2026 3:00 PM EDTCompany ParticipantsJane Funk - Executive VP, Treasurer & CFODavid...
WEST DES MOINES, Iowa, Oct. 29, 2026 (GLOBE NEWSWIRE) -- West Bancorporation, Inc. (Nasdaq: WTBA; the “Company”), parent company of West Bank, today reported third quarter 2026 net income of $11.6 million, or $0.67 per d
West Bancorp (WTBA) delivered earnings and revenue surprises of 0.00% and +1.45%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
West Bancorp (NASDAQ:WTBA) reported quarterly earnings of $0.67 per share which beat the analyst consensus estimate of $0.65 by 3.08 percent. This is a 21.82 percent increase over earnings of $0.55 per share from the
Provident Financial (PFS) delivered earnings and revenue surprises of -11.67% and +0.13%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WTBA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WTBA. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, West Bancorporation (WTBA) ranks #86 by composite RQD confidence (72/100, grade B) 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. WTBA currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| WTBA
ACTIVE
West Bancorporation | B | 72/100 | 15.7x | — | 12.2% | -1.38% | $512.0M | Benchmark Subject |
| OBT Orange County Bancorp Inc. | C+ | 69/100 | 12.4x | — | 14.6% | +1.26% | $517.3M | /obt-vs-wtba → |
| COFS ChoiceOne Financial Services Inc. | C | 63/100 | 18.6x | — | 6.1% | +1.72% | $523.4M | /cofs-vs-wtba → |
| CZNC Citizens & Northern Corp | C+ | 68/100 | 21.3x | — | 6.9% | +1.20% | $498.9M | /cznc-vs-wtba → |
| PBAM Private Bancorp of America Inc. | D+ | 55/100 | — | — | — | +0.22% | $490.2M | /pbam-vs-wtba → |
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 | — | — |
As of 2026-11-02, West Bancorporation (NASDAQ: WTBA) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 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 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, WTBA ranks #86 in composite RQD confidence.
Within the Financials sector (Major Banks), WTBA carries a Roarable B (72/100 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 (69/100 RQD, P/E 12.4x, ROIC 14.6%, cap $517.3M) and COFS (ChoiceOne Financial Services Inc.) posts a C grade (63/100 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).
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.
WTBA last traded at $30.04 (-1.38% on volume of 56,687 shares), positioning the stock +2.98% above its 50-day simple moving average ($29.17) and +14.88% above its 200-day simple moving average ($26.15). Across its 52-week range of $20.81 to $30.92, WTBA sits at the 91.3% percentile with a 14-day RSI of 56.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($28.60 to $31.48).
Why WTBA Stock slipped -1.38% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
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