Westamerica Q2 2025 net income falls 18% to $29.1 million; EPS $1.12
Westamerica Bancorporation reported second quarter 2025 net income of $29.1 million, or $1.12 per diluted share, down from $35.5 million and $1.33 a year earlier, and down from $31.0 million and $1.16 in the first quarter. Net interest income fell 14.9% year over year, and the company recorded no provision for credit losses in the quarter. For shareholders, the results show lower earnings year over year, while the company paid a $0.46 per share dividend and retired 773 thousand shares.
Key points
- Net income of $29.1 million versus $35.5 million in Q2 2024 (down 18.0%) and $31.0 million in Q1 2025
- Diluted EPS of $1.12 versus $1.33 in Q2 2024 (down 15.8%) and $1.16 in Q1 2025
- Net interest income (FTE) of $54.6 million, down 14.9% from $64.1 million a year earlier; no provision for credit losses in Q2 2025 versus a $550 thousand reversal in Q1 2025
- Dividend of $0.46 per share paid and 773 thousand common shares retired in Q2 2025; annualized return on common equity of 11.2%
The filing
Written by AI on Nov 8, 2026, 6:57 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 17, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.