NASDAQ$WABC

Westamerica Bancorporation · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Westamerica's financial performance remained strong, marked by efficient operations and a solid return on equity.

Westamerica Bancorporation reported a net income of $35.5 million and EPS of $1.33 for Q2 2024. The company's low-cost operating principles and no provision for credit losses contributed to the results. The annualized return on average common equity was 14.4 percent.

  • Net income for the second quarter of 2024 was $35.5 million, with diluted EPS at $1.33.
  • The company's low-cost operating principles and efficient spending contributed to the results.
  • No provision for credit losses was recognized due to net loan recoveries.
  • Annualized return on average common equity for the second quarter was 14.4 percent.

Headline financials

Total Revenue

$74.3M

Previous: $80.6M-7.8%
EPS

$1.33

Previous: $1.51-11.9%
Net Interest Margin

4.2%

No prior period
Cost of Funds

0.3%

No prior period
Return on Equity

14.4%

No prior period
Efficiency Ratio

35.0%

No prior period
Capital Expenditures

-$583K

Previous: -$590K+1.2%
Free Cash Flow

$34.9M

Previous: $39.7M-12.1%
Net Income

$35.5M

Previous: $40.2M-11.9%
Operating Income

$61.7M

Previous: $72.7M-15.1%
Gross Profit

$74.3M

Previous: $80.6M-7.8%
Cash & Equivalents

$486M

Previous: $266M+82.6%
Total Assets

$6.31B

Previous: $6.58B-4.1%

Revenue & EPS history

Westamerica · Revenue · Quarterly

$74.3M

Q2 2024-7.8%vs Q2 2023
Beat estimate in 10 of 13 quarters(77%)
ActualEstimate

Revenue by segment

Westamerica · $60.8M total across 1 segment · Q3 2022

  • Net Interest Income
    $60.8M

Forward guidance

This press release contains forward-looking statements about the Company, including descriptions of plans or objectives of its management for future operations, products or services, and forecasts of its revenues, earnings or other measures of economic performance.

Tailwinds

  • Company plans or objectives of its management for future operations
  • Forecasts of its revenues
  • Forecasts of earnings
  • Descriptions of products or services
  • Other measures of economic performance

Headwinds

  • Changes in business and economic conditions
  • Competition
  • Fiscal and monetary policies
  • Disintermediation
  • Cyber security risks

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2024

Historical avgQ2 2024

+0.5%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+2.0%

Avg return

30 days after

55%

38 / 69 earnings

Positive

+5.9%

Q3 2011

Best reaction

-5.8%

Q4 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.5%+0.3%+0.9%
Q4 2025+4.9%+2.8%+7.6%
Q3 2025-1.4%+1.8%+3.2%
Q2 2025-1.0%-2.5%-3.1%
Q1 2025-0.2%+3.9%+10.1%
Q4 2024+1.0%+0.8%-3.8%
Q3 2024+1.3%+1.2%+11.6%
Q2 2024-4.7%-5.4%-12.4%
Q1 2024+2.8%+5.0%+10.7%
Q4 2023-5.8%-6.4%-11.6%
Q3 2023+1.7%+1.3%+11.8%
Q2 2023+2.1%+6.6%+1.2%
Q1 2023-0.6%-4.0%-7.1%
Q4 2022-0.5%-1.4%+0.2%
Q3 2022+5.9%+13.3%+13.8%
Q2 2022+5.2%+6.4%+7.1%
Q1 2022+3.0%-0.8%-3.1%
Q4 2021-0.7%+0.9%+1.7%
Q3 2021+2.9%+1.0%+1.4%
Q2 2021+2.1%+0.1%+5.2%
Q1 2021+1.3%-1.5%+0.3%
Q4 2020+3.0%-1.3%+0.4%
Q3 2020+1.4%-1.0%+4.6%
Q2 2020+2.1%+5.0%+10.7%
Q1 2020+3.5%+4.5%-7.3%
Q4 2019+2.5%+0.2%+0.2%
Q3 2019+3.4%+5.8%+5.2%
Q2 2019+1.8%+3.3%+2.8%
Q1 2019-1.5%-0.3%-2.9%
Q4 2018+4.7%+2.1%+2.8%
Q3 2018-3.6%-4.9%+6.4%
Q2 2018+0.4%+1.4%+6.9%
Q1 2018+0.1%+1.1%+0.3%
Q4 2017+4.6%+4.5%+0.0%
Q3 2017+1.6%+0.1%-1.9%
Q2 2017+0.4%+3.8%-7.4%
Q1 2017+4.1%+3.4%-5.0%
Q4 2016-0.3%-2.5%-0.4%
Q3 2016+1.9%+1.2%+23.2%
Q2 2016-2.9%-5.1%-2.5%
Q1 2016-0.6%
Q4 2015+0.0%
Q3 2015-2.3%
Q2 2015-0.8%
Q1 2015+2.3%
Q4 2014-1.5%
Q3 2014-0.5%
Q2 2014-2.7%
Q1 2014-0.3%
Q4 2013-2.5%
Q3 2013+1.6%
Q2 2013-1.3%
Q1 2013-1.6%
Q4 2012-2.8%
Q3 2012+0.7%
Q2 2012-2.3%
Q1 2012+0.7%
Q4 2008-1.4%
Q4 2011-1.4%
Q4 2010-1.4%
Q4 2009-1.4%
Q3 2011+5.9%
Q2 2011-0.5%
Q1 2011-0.5%
Q1 2010-0.8%
Q3 2009+0.2%
Q3 2010+0.2%
Q2 2010+0.6%
Q2 2009+0.6%

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