How Westamerica Bancorporation (WABC) Makes Money: A Visual Guide
Westamerica Bancorporation (WABC) generated $267.41M in revenue, earning $112.49M in net profit (42.1% margin). Its largest revenue source is Deposit Account (35.3% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, Westamerica Bancorporation (WABC) generated revenue across 6 reportable product segments; the largest contributor was Deposit Account at 35.3%, followed by Credit Card, Merchant Discount (29.2%) and Debit Card (16.2%).
Westamerica Bancorporation (WABC) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
Westamerica Bancorporation (WABC) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for Westamerica Bancorporation (WABC) in TTM through Q1 2026.
Deposit Account
- Revenue
- $94.51M
- % of total
- 35.3%
Credit Card, Merchant Discount
- Revenue
- $78.07M
- % of total
- 29.2%
Debit Card
- Revenue
- $43.31M
- % of total
- 16.2%
Fiduciary and Trust
- Revenue
- $25.69M
- % of total
- 9.6%
ATM Processing Fees
- Revenue
- $13.51M
- % of total
- 5.1%
Financial Service, Other
- Revenue
- $12.32M
- % of total
- 4.6%
Total
- Revenue
- $267.41M
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Deposit Account | $94.51M | 35.3% |
| Credit Card, Merchant Discount | $78.07M | 29.2% |
| Debit Card | $43.31M | 16.2% |
| Fiduciary and Trust | $25.69M | 9.6% |
| ATM Processing Fees | $13.51M | 5.1% |
| Financial Service, Other | $12.32M | 4.6% |
| Total | $267.41M | 100% |
Frequently asked questions
How does Westamerica Bancorporation (WABC) make money?
Westamerica Bancorporation (WABC) primarily makes money through Deposit Account, which accounts for 35.3% of total revenue. For TTM through Q1 2026, Westamerica Bancorporation generated $267.41M in total revenue with a net profit margin of 42.1%.
What is Westamerica Bancorporation (WABC) gross profit margin?
Westamerica Bancorporation (WABC) reported a gross profit margin of 95% for TTM through Q1 2026, equivalent to $254.11M in gross profit. This means Westamerica Bancorporation retains 95% of each revenue unit after direct costs of production.
What is Westamerica Bancorporation (WABC) operating profit margin?
Westamerica Bancorporation (WABC) reported an operating profit margin of 56.6% for TTM through Q1 2026, equivalent to $151.32M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Westamerica Bancorporation (WABC) net profit margin?
Westamerica Bancorporation (WABC) reported a net profit margin of 42.1% for TTM through Q1 2026, equivalent to $112.49M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Westamerica Bancorporation (WABC) spend on capital expenditures?
Westamerica Bancorporation (WABC) spent $3.57M on capital expenditures in TTM through Q1 2026 (1.3% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Westamerica Bancorporation (WABC) free cash flow?
Westamerica Bancorporation (WABC) generated $115.67M in free cash flow for TTM through Q1 2026 (43.3% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Westamerica Bancorporation (WABC) effective tax rate?
Westamerica Bancorporation (WABC) had an effective tax rate of 25.7% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are Westamerica Bancorporation (WABC) main revenue segments?
Westamerica Bancorporation (WABC) reports revenue across 6 reportable product segments, led by Deposit Account at 35.3% of total revenue in TTM through Q1 2026. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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