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AI brief of an SEC Form 8-K · Westamerica Bank (WABC)

Westamerica Q4 2025 net income falls 12.3% to $27.8 million; EPS $1.12

Negative Impact 3 of 5 earnings Written later

Westamerica Bancorporation reported fourth quarter 2025 net income of $27.8 million, or $1.12 per diluted share, down from $31.7 million, or $1.19 per share, a year earlier. Results were flat with the third quarter on EPS, which was also $1.12, and included a $0.02 per-share reduction from a tax provision true-up for 2024. For full-year 2025, net income was $116.2 million, or $4.52 per share, down 16.2% and 13.1% respectively from 2024.

Key points

  • Q4 2025 net income $27.8 million, down 12.3% from $31.7 million in Q4 2024; diluted EPS $1.12 versus $1.19
  • Full-year 2025 net income $116.2 million, down 16.2%; diluted EPS $4.52 versus $5.20
  • Net interest income (FTE) $53.5 million, down 9.6% year over year; noninterest income $10.0 million
  • Company paid a $0.46 per-share dividend and retired 485 thousand common shares in Q4 2025

The filing

CompanyWestamerica Bank (WABC)
Form8-K, current report
Filed with the SECJan 15, 2026, 2:19 PM ET
Accession number0001171843-26-000283

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:58 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 January 15, 2026.

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.