Westamerica [WABC] vs U.S. Bancorp [USB] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Westamerica Bancorporation wins in 10 metrics, U.S. Bancorp wins in 9 metrics, with 0 ties. Westamerica Bancorporation appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Westamerica Bancorporation | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.01 | 11.92 | U.S. Bancorp |
| Price-to-Book Ratio | 1.42 | 1.51 | Westamerica Bancorporation |
| Debt-to-Equity Ratio | 0.15 | 1.21 | Westamerica Bancorporation |
| PEG Ratio | -4.64 | 0.82 | U.S. Bancorp |
| Profit Margin (TTM) | 44.30% | 29.29% | Westamerica Bancorporation |
| Operating Margin (TTM) | 60.24% | 37.84% | Westamerica Bancorporation |
| EBITDA Margin (TTM) | 60.24% | 37.84% | Westamerica Bancorporation |
| Return on Equity | 12.46% | 12.35% | Westamerica Bancorporation |
| Return on Assets (TTM) | 1.90% | 1.14% | Westamerica Bancorporation |
| Free Cash Flow (TTM) | $119.65M | $7.97B | U.S. Bancorp |
| Dividend Yield | 4.55% | 3.82% | Westamerica Bancorporation |
| 1-Year Return | 23.78% | 37.10% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 5.14 | 3.32 | U.S. Bancorp |
| Enterprise Value | $1.02B | $126.46B | U.S. Bancorp |
| EV/Revenue Ratio | 4.02 | 4.75 | Westamerica Bancorporation |
| Revenue per Share (TTM) | $10 | $17 | U.S. Bancorp |
| Earnings per Share (Diluted) | $4.49 | $4.77 | U.S. Bancorp |
| Beta (Stock Volatility) | 0.56 | 1.03 | Westamerica Bancorporation |
| Short % of Float | 3.19% | 0.00% | U.S. Bancorp |
Westamerica Bancorporation vs U.S. Bancorp Stock Performance Analysis
Loading Price Chart...
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% |
| U.S. Bancorp | -1.95% | 4.41% | 8.79% | 12.96% | 7.60% | 7.16% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Westamerica Bancorporation | 23.78% | 39.35% | 0.83% | 22.32% | 20.07% | 18.46% |
| U.S. Bancorp | 37.10% | 76.20% | 7.67% | 43.37% | 140.67% | 88.43% |
Performance & Financial Health Analysis: Westamerica Bancorporation vs U.S. Bancorp
| Metric | WABC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.32B | $88.06B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 219,987 | 9,829,002 |
| 90 Day Avg. Volume | 226,062 | 10,401,007 |
| Last Close | $57.64 | $57.79 |
| 52 Week Range | $44.93 - $59.00 | $42.55 - $61.19 |
| % from 52W High | -2.31% | -5.56% |
| All-Time High | $69.08 (Jan 13, 2020) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -16.56% | -9.09% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.07% | 0.05% |
| Quarterly Earnings Growth | -0.12% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.44% | 0.29% |
| Operating Margin (TTM) | 0.60% | 0.38% |
| Return on Equity (TTM) | 0.12% | 0.12% |
| Debt to Equity (MRQ) | 0.15 | 1.21 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $37.91 | $37.54 |
| Cash per Share (MRQ) | $16.81 | $31.14 |
| Operating Cash Flow (TTM) | $118.56M | $6.04B |
| Levered Free Cash Flow (TTM) | $116.17M | $7.19B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.55% | 3.82% |
| Last 12-Month Dividend | $2.28 | $2.04 |
Valuation & Enterprise Metrics Analysis: Westamerica Bancorporation vs U.S. Bancorp
| Metric | WABC (Apr 24, 2026) | USB (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.01 | 11.92 |
| Forward P/E | 12.55 | 10.09 |
| PEG Ratio | -4.64 | 0.82 |
| Price to Sales (TTM) | 5.14 | 3.32 |
| Price to Book (MRQ) | 1.42 | 1.51 |
| Market Capitalization | ||
| Market Capitalization | $1.32B | $88.06B |
| Enterprise Value | $1.02B | $126.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.02 | 4.75 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.56 | 1.03 |
| Book Value per Share (MRQ) | $37.91 | $37.54 |
Financial Statements Comparison: Westamerica Bancorporation vs U.S. Bancorp
Financial Metrics
Loading Financial Charts...
Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | WABC (2025) | USB (2025) |
|---|---|---|
| Revenue/Sales | 258.06M | 28.54B |
| 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 | 9.52B |
| Pre-Tax Income % of Revenue | 60.7% | 33.3% |
| Income Tax | 40.51M | 1.92B |
| Income Tax % of Revenue | 15.7% | 6.7% |
| Net Income (Profit) | 116.17M | 7.60B |
| Profit Margin | 45.0% | 26.6% |
Balance Sheet & Liquidity Metrics
| Metric | WABC (2025) | USB (2025) |
|---|---|---|
| Cash & Equivalents | 567.80M | 46.89B |
| 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 | 60.76B |
| Long-Term Debt % of Revenue | 8.6% | 212.9% |
| Total Shareholders Equity | 933.51M | 65.65B |
| Retained Earnings | 584.63M | 80.91B |
| Retained Earnings % of Revenue | 226.6% | 283.5% |
| Property, Plant & Equipment | 22.21M | 1.51B |
Cash Flow Statement Comparison
| Metric | WABC (2025) | USB (2025) |
|---|---|---|
| Operating Cash Flow | 118.56M | 6.04B |
| Operating Cash Flow % of Revenue | 45.9% | 21.2% |
| Capital Expenditures | -2.25M | N/A |
| Free Cash Flow | 119.65M | 7.97B |
| FCF Margin | 46.4% | 27.9% |
| Debt Repayment | N/A | -9.05B |
| Common Stock Repurchase | -103.79M | -489.00M |
Short Interest & Institutional Ownership Analysis
| Metric | WABC | USB |
|---|---|---|
| Shares Short | 520,052 | 27,002 |
| Short Ratio | 2.29 | 0.00 |
| Short % of Float | 3.19% | 0.00% |
| Shares Outstanding | 23.63M | 1.56B |
| Float Shares | 22.39M | 1.55B |
| % Held by Insiders | 3.61% | 0.14% |
| % Held by Institutions | 85.87% | 83.55% |
| % Held by Public | 10.52% | 16.31% |
Dividend Analysis & Yield Comparison: Westamerica Bancorporation vs U.S. Bancorp
| Metric | WABC | USB |
|---|---|---|
| Last 12-Month Dividend | $2.28 | $2.04 |
| Last 12-Month Dividend Yield | 4.55% | 3.82% |
| 3-Year Avg Annual Dividend | $1.92 | $1.98 |
| 3-Year Avg Dividend Yield | 0.91% | 1.19% |
| 3-Year Total Dividends | $5.76 | $5.95 |
| Ex-Dividend Date | Feb 02, 2026 | Dec 31, 2025 |