Westamerica [WABC] vs Northwest Bancshares [NWBI] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Westamerica Bancorporation wins in 13 metrics, Northwest Bancshares Inc. wins in 6 metrics, with 0 ties. Westamerica Bancorporation appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Westamerica Bancorporation | Northwest Bancshares Inc. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.01 | 14.37 | Westamerica Bancorporation |
| Price-to-Book Ratio | 1.42 | 1.02 | Northwest Bancshares Inc. |
| Debt-to-Equity Ratio | 0.15 | 0.41 | Westamerica Bancorporation |
| PEG Ratio | -4.64 | 0.75 | Northwest Bancshares Inc. |
| Profit Margin (TTM) | 44.30% | 21.03% | Westamerica Bancorporation |
| Operating Margin (TTM) | 60.24% | 39.86% | Westamerica Bancorporation |
| EBITDA Margin (TTM) | 60.24% | 39.86% | Westamerica Bancorporation |
| Return on Equity | 12.46% | 7.23% | Westamerica Bancorporation |
| Return on Assets (TTM) | 1.90% | 0.81% | Westamerica Bancorporation |
| Free Cash Flow (TTM) | $119.65M | $141.79M | Northwest Bancshares Inc. |
| Dividend Yield | 4.55% | 6.05% | Northwest Bancshares Inc. |
| 1-Year Return | 23.78% | 20.62% | Westamerica Bancorporation |
| Price-to-Sales Ratio (TTM) | 5.14 | 3.23 | Northwest Bancshares Inc. |
| Enterprise Value | $1.02B | $2.45B | Northwest Bancshares Inc. |
| EV/Revenue Ratio | 4.02 | 4.10 | Westamerica Bancorporation |
| Revenue per Share (TTM) | $10 | $4 | Westamerica Bancorporation |
| Earnings per Share (Diluted) | $4.49 | $0.92 | Westamerica Bancorporation |
| Beta (Stock Volatility) | 0.56 | 0.63 | Westamerica Bancorporation |
| Short % of Float | 3.19% | 5.64% | Westamerica Bancorporation |
Westamerica Bancorporation vs Northwest Bancshares Inc. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Westamerica Bancorporation | -0.88% | 2.02% | 7.18% | 13.42% | 16.96% | 20.51% |
| Northwest Bancshares Inc. | -1.69% | 1.89% | 8.58% | 19.07% | 13.85% | 21.45% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Westamerica Bancorporation | 23.78% | 39.35% | 0.83% | 22.32% | 20.07% | 18.46% |
| Northwest Bancshares Inc. | 20.62% | 27.70% | 9.79% | 4.82% | 20.82% | 30.05% |
Performance & Financial Health Analysis: Westamerica Bancorporation vs Northwest Bancshares Inc.
| Metric | WABC | NWBI |
|---|---|---|
| Market Information | ||
| Market Cap | $1.32B | $1.96B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 219,987 | 1,051,338 |
| 90 Day Avg. Volume | 226,062 | 1,576,466 |
| Last Close | $57.64 | $14.55 |
| 52 Week Range | $44.93 - $59.00 | $11.25 - $14.93 |
| % from 52W High | -2.31% | -2.51% |
| All-Time High | $69.08 (Jan 13, 2020) | $19.10 (Dec 05, 2016) |
| % from All-Time High | -16.56% | -23.82% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.07% | 0.25% |
| Quarterly Earnings Growth | -0.12% | 0.40% |
| Financial Health | ||
| Profit Margin (TTM) | 0.44% | 0.21% |
| Operating Margin (TTM) | 0.60% | 0.40% |
| Return on Equity (TTM) | 0.12% | 0.07% |
| Debt to Equity (MRQ) | 0.15 | 0.41 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $37.91 | $12.94 |
| Cash per Share (MRQ) | $16.81 | $1.78 |
| Operating Cash Flow (TTM) | $118.56M | $153.42M |
| Levered Free Cash Flow (TTM) | $116.17M | $125.95M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.55% | 6.05% |
| Last 12-Month Dividend | $2.28 | $0.80 |
Valuation & Enterprise Metrics Analysis: Westamerica Bancorporation vs Northwest Bancshares Inc.
| Metric | WABC (Apr 24, 2026) | NWBI (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.01 | 14.37 |
| Forward P/E | 12.55 | 9.29 |
| PEG Ratio | -4.64 | 0.75 |
| Price to Sales (TTM) | 5.14 | 3.23 |
| Price to Book (MRQ) | 1.42 | 1.02 |
| Market Capitalization | ||
| Market Capitalization | $1.32B | $1.96B |
| Enterprise Value | $1.02B | $2.45B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.02 | 4.10 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.56 | 0.63 |
| Book Value per Share (MRQ) | $37.91 | $12.94 |
Financial Statements Comparison: Westamerica Bancorporation vs Northwest Bancshares Inc.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | WABC (2025) | NWBI (2025) |
|---|---|---|
| Revenue/Sales | 258.06M | 651.87M |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 156.69M | 162.79M |
| Pre-Tax Income % of Revenue | 60.7% | 25.0% |
| Income Tax | 40.51M | 36.78M |
| Income Tax % of Revenue | 15.7% | 5.6% |
| Net Income (Profit) | 116.17M | 126.01M |
| Profit Margin | 45.0% | 19.3% |
Balance Sheet & Liquidity Metrics
| Metric | WABC (2025) | NWBI (2025) |
|---|---|---|
| Cash & Equivalents | 567.80M | 233.65M |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 22.21M | 350.38M |
| Long-Term Debt % of Revenue | 8.6% | 53.7% |
| Total Shareholders Equity | 933.51M | 1.89B |
| Retained Earnings | 584.63M | 689.21M |
| Retained Earnings % of Revenue | 226.6% | 105.7% |
| Property, Plant & Equipment | 22.21M | N/A |
Cash Flow Statement Comparison
| Metric | WABC (2025) | NWBI (2025) |
|---|---|---|
| Operating Cash Flow | 118.56M | 101.16M |
| Operating Cash Flow % of Revenue | 45.9% | 15.5% |
| Capital Expenditures | -2.25M | -11.63M |
| Free Cash Flow | 119.65M | 141.79M |
| FCF Margin | 46.4% | 21.8% |
| Debt Repayment | N/A | -35.38M |
| Common Stock Repurchase | -103.79M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | WABC | NWBI |
|---|---|---|
| Shares Short | 520,052 | 6.32M |
| Short Ratio | 2.29 | 3.72 |
| Short % of Float | 3.19% | 5.64% |
| Shares Outstanding | 23.63M | 146.11M |
| Float Shares | 22.39M | 144.46M |
| % Held by Insiders | 3.61% | 0.85% |
| % Held by Institutions | 85.87% | 69.28% |
| % Held by Public | 10.52% | 29.87% |
Dividend Analysis & Yield Comparison: Westamerica Bancorporation vs Northwest Bancshares Inc.
| Metric | WABC | NWBI |
|---|---|---|
| Last 12-Month Dividend | $2.28 | $0.80 |
| Last 12-Month Dividend Yield | 4.55% | 6.05% |
| 3-Year Avg Annual Dividend | $1.92 | $0.80 |
| 3-Year Avg Dividend Yield | 0.91% | 1.65% |
| 3-Year Total Dividends | $5.76 | $2.40 |
| Ex-Dividend Date | Feb 02, 2026 | Feb 05, 2026 |