WTBA
West Bancorporation, Inc.
Price Chart
Latest Quote
$25.54
Current Price| Previous Close | $23.73 |
| Open | $23.80 |
| Day High | $25.74 |
| Day Low | $23.77 |
| Volume | 73,695 |
Stock Information
| Quarterly Dividend / Yield | $1.00 / 3.92% |
| Shares Outstanding | 16.94M |
| Total Debt | $376.41M |
| Cash Equivalents | $471.09M |
| Revenue | $95.25M |
| Net Income | $32.56M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $432.67M |
| P/E Ratio | 13.30 |
| EPS (TTM) | $1.92 |
| Exchange | NMS |
đ Custom Metrics & Score
Score: 9/42| Debt to Equity | 1.72 |
| Debt to Earnings | 14.31 |
| Avg Revenue Growth | -6.01% |
| Profit Margin | 30.39% |
| Return on Equity | 10.55% |
| Avg FCF Growth | -18.04% |
| FCF Yield | 3.16% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $25.54 | 74,900 |
| 2026-01-30 | $23.73 | 52,500 |
| 2026-01-29 | $23.27 | 30,100 |
| 2026-01-28 | $22.33 | 24,200 |
| 2026-01-27 | $22.83 | 28,100 |
| 2026-01-26 | $22.74 | 20,900 |
| 2026-01-23 | $22.72 | 23,400 |
| 2026-01-22 | $23.55 | 38,100 |
| 2026-01-21 | $23.54 | 34,000 |
| 2026-01-20 | $22.37 | 21,000 |
| 2026-01-16 | $22.72 | 30,300 |
| 2026-01-15 | $22.87 | 25,300 |
| 2026-01-14 | $22.44 | 26,700 |
| 2026-01-13 | $22.26 | 44,700 |
| 2026-01-12 | $22.20 | 18,100 |
| 2026-01-09 | $22.19 | 25,600 |
| 2026-01-08 | $22.47 | 34,100 |
| 2026-01-07 | $21.88 | 18,100 |
| 2026-01-06 | $22.16 | 40,100 |
| 2026-01-05 | $22.21 | 29,400 |
About West Bancorporation, Inc.
West Bancorporation, Inc. operates as the financial holding company provides community banking and trust services to individuals and small- to medium-sized businesses in the United States. The company offers deposit services, including checking, savings, and money market accounts, as well as time certificates of deposit. It also provides loan products comprising commercial real estate loans, construction and land development loans, commercial lines of credit, and commercial term loans; consumer loans, including loans extended to individuals for household, family, and other personal expenditures not secured by real estate; and 1-4 family residential mortgages and home equity loans. In addition, the company offers online and mobile banking, treasury management services including cash management, client-generated automated clearing house transactions, remote deposit, and fraud protection services; merchant credit card processing and corporate credit cards; and administration of estates, conservatorships, personal trusts, and agency accounts. West Bancorporation, Inc. was founded in 1893 and is headquartered in West Des Moines, Iowa.
đ° Latest News
West Bancorp Inc (WTBA) Q4 2025 Earnings Call Highlights: Strong Annual Growth Amidst Market ...
GuruFocus.com âĸ 2026-02-03T01:02:30ZWest Bancorporation, Inc. Just Missed Earnings - But Analysts Have Updated Their Models
Simply Wall St. âĸ 2026-02-01T13:43:08Z
US Market's Undiscovered Gems Featuring 3 Promising Small Caps
Simply Wall St. âĸ 2026-01-30T17:34:01Z
West Bancorporation Q4 Earnings Call Highlights
MarketBeat âĸ 2026-01-29T22:10:03Z
Capitol Federal Financial (CFFN) Q1 Earnings Beat Estimates
Zacks âĸ 2026-01-28T15:10:01Z
Riverview Bancorp (RVSB) Q3 Earnings and Revenues Beat Estimates
Zacks âĸ 2026-01-27T22:10:01Z
Citizens Community Bancorp, Inc. (CZWI) Beats Q4 Earnings and Revenue Estimates
Zacks âĸ 2026-01-26T15:25:01Z
Why Analysts See A New Story For West Bancorporation (WTBA) After Fresh Price Target
Simply Wall St. âĸ 2026-01-26T12:05:50Z
Southern Missouri Bancorp (SMBC) Q2 Earnings Beat Estimates
Zacks âĸ 2026-01-21T23:45:02Z
Why The Narrative Around West Bancorporation (WTBA) Is Shifting After Q3 Earnings And Valuation Reset
Simply Wall St. âĸ 2026-01-12T03:10:43Z
Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $79,133,000 | $78,475,000 | $101,948,000 | $104,195,000 |
| Operating Revenue | $79,133,000 | $78,475,000 | $101,948,000 | $104,195,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $118,704,000 | $91,274,000 | $31,609,000 | $12,221,000 |
| Selling And Marketing Expense | $97,000 | $163,000 | $246,000 | $224,000 |
| General And Administrative Expense | $31,797,000 | $30,495,000 | $27,648,000 | $26,311,000 |
| Professional Expense And Contract Services Expense | $1,303,000 | $1,283,000 | $874,000 | $1,248,000 |
| Other Non Interest Expense | $10,173,000 | $10,361,000 | $11,616,000 | $8,952,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Net Interest Income | $71,362,000 | $69,031,000 | $91,740,000 | $95,059,000 |
| Interest Income | $190,066,000 | $160,305,000 | $123,349,000 | $107,280,000 |
| Normalized Income | $24,050,000 | $24,282,980 | $46,399,000 | $50,308,320 |
| Net Income From Continuing And Discontinued Operation | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Net Income Common Stockholders | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Net Income | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Net Income Including Noncontrolling Interests | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Net Income Continuous Operations | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Pretax Income | $27,443,000 | $29,786,000 | $59,397,000 | $62,908,000 |
| Special Income Charges | $0 | $-180,000 | $0 | $-890,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $1.42 | $1.44 | $2.76 | $2.96 |
| Basic EPS | $1.43 | $1.44 | $2.79 | $3.00 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $-34,020 | $0 | $-188,680 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-180,000 | $0 | $-890,000 |
| Total Unusual Items Excluding Goodwill | $0 | $-180,000 | $0 | $-890,000 |
| Reconciled Depreciation | $6,923,000 | $5,149,000 | $4,463,000 | $3,615,000 |
| Diluted Average Shares | $16,936,620 | $16,761,806 | $16,811,232 | $16,759,122 |
| Basic Average Shares | $16,818,182 | $16,761,806 | $16,630,466 | $16,535,667 |
| Diluted NI Availto Com Stockholders | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Tax Provision | $3,393,000 | $5,649,000 | $12,998,000 | $13,301,000 |
| Gain On Sale Of Security | $-1,172,000 | $-431,000 | $0 | $51,000 |
| Selling General And Administration | $31,894,000 | $30,658,000 | $27,648,000 | $26,535,000 |
| Insurance And Claims | $3,381,000 | $2,543,000 | $996,000 | $2,320,000 |
| Salaries And Wages | $28,416,000 | $27,952,000 | $26,652,000 | $23,991,000 |
| Occupancy And Equipment | $7,320,000 | $5,507,000 | $4,913,000 | $5,162,000 |
| Other Special Charges | - | $180,000 | - | $890,000 |
| Other Gand A | - | - | $2,137,000 | $4,242,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $227,875,000 | $225,043,000 | $211,112,000 | $260,328,000 |
| Total Assets | $4,014,991,000 | $3,825,758,000 | $3,613,218,000 | $3,500,201,000 |
| Receivables | $12,825,000 | $13,581,000 | $11,988,000 | $8,890,000 |
| Accounts Receivable | $12,825,000 | $13,581,000 | $11,988,000 | $8,890,000 |
| Cash And Cash Equivalents | $243,478,000 | $65,357,000 | $26,539,000 | $192,825,000 |
| Cash Financial | $28,750,000 | $33,245,000 | $24,896,000 | $17,555,000 |
| Cash Cash Equivalents And Federal Funds Sold | $243,478,000 | $65,357,000 | $26,539,000 | $192,825,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Debt | $149,151,000 | $377,010,000 | $259,316,000 | $4,161,000 |
| Total Debt | $392,629,000 | $442,367,000 | $285,855,000 | $196,986,000 |
| Long Term Debt And Capital Lease Obligation | $392,629,000 | $442,367,000 | $285,855,000 | $196,986,000 |
| Long Term Debt | $392,629,000 | $442,367,000 | $285,855,000 | $196,986,000 |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $3,787,116,000 | $3,600,715,000 | $3,402,106,000 | $3,239,873,000 |
| Payables And Accrued Expenses | - | - | $35,843,000 | $24,002,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $227,875,000 | $225,043,000 | $211,112,000 | $260,328,000 |
| Total Equity Gross Minority Interest | $227,875,000 | $225,043,000 | $211,112,000 | $260,328,000 |
| Stockholders Equity | $227,875,000 | $225,043,000 | $211,112,000 | $260,328,000 |
| Gains Losses Not Affecting Retained Earnings | $-89,357,000 | $-83,523,000 | $-91,471,000 | $-10,637,000 |
| Other Equity Adjustments | $-89,357,000 | $-83,523,000 | $-91,471,000 | $-10,637,000 |
| Retained Earnings | $278,613,000 | $271,369,000 | $267,562,000 | $237,782,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Ordinary Shares Number | $16,832,632 | $16,725,094 | $16,640,413 | $16,554,846 |
| Share Issued | $16,832,632 | $16,725,094 | $16,640,413 | $16,554,846 |
| Tangible Book Value | $227,875,000 | $225,043,000 | $211,112,000 | $260,328,000 |
| Invested Capital | $620,504,000 | $667,410,000 | $496,967,000 | $457,314,000 |
| Total Capitalization | $620,504,000 | $667,410,000 | $496,967,000 | $457,314,000 |
| Additional Paid In Capital | $35,619,000 | $34,197,000 | $32,021,000 | $30,183,000 |
| Capital Stock | $3,000,000 | $3,000,000 | $3,000,000 | $3,000,000 |
| Common Stock | $3,000,000 | $3,000,000 | $3,000,000 | $3,000,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $544,565,000 | $623,919,000 | $664,115,000 | $758,822,000 |
| Net PPE | $109,985,000 | $86,399,000 | $53,124,000 | $34,568,000 |
| Accumulated Depreciation | $-12,642,000 | $-13,011,000 | $-12,005,000 | $-11,479,000 |
| Gross PPE | $122,627,000 | $99,410,000 | $65,129,000 | $46,047,000 |
| Leases | $2,401,000 | $3,557,000 | $3,578,000 | $3,683,000 |
| Other Properties | $4,405,000 | $3,231,000 | $4,487,000 | $5,730,000 |
| Machinery Furniture Equipment | $13,750,000 | $11,880,000 | $9,441,000 | $9,094,000 |
| Buildings And Improvements | $91,022,000 | $69,693,000 | $37,173,000 | $21,423,000 |
| Land And Improvements | $11,049,000 | $11,049,000 | $10,450,000 | $6,117,000 |
| Other Short Term Investments | $544,565,000 | $623,919,000 | $664,115,000 | $758,822,000 |
| Current Accrued Expenses | - | - | $35,843,000 | $24,002,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $13,672,000 | $-11,138,000 | $38,128,000 | $49,135,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $39,808,000 | $25,249,000 | $59,439,000 | $57,878,000 |
| Cash Flow From Continuing Operating Activities | $39,808,000 | $25,249,000 | $59,439,000 | $57,878,000 |
| Operating Gains Losses | $1,172,000 | $431,000 | - | $-51,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-26,136,000 | $-36,387,000 | $-21,311,000 | $-8,743,000 |
| Investing Cash Flow | $-27,341,000 | $-168,683,000 | $-357,831,000 | $-537,211,000 |
| Cash Flow From Continuing Investing Activities | $-27,341,000 | $-168,683,000 | $-357,831,000 | $-537,211,000 |
| Net Other Investing Changes | $7,828,000 | $-1,163,000 | $-9,371,000 | $1,758,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-1,087,000 | $-935,000 | $-1,519,000 | $-1,213,000 |
| Financing Cash Flow | $165,654,000 | $182,252,000 | $132,106,000 | $275,723,000 |
| Cash Flow From Continuing Financing Activities | $165,654,000 | $182,252,000 | $132,106,000 | $275,723,000 |
| Cash Dividends Paid | $-16,806,000 | $-16,704,000 | $-16,619,000 | $-15,543,000 |
| Common Stock Dividend Paid | $-16,806,000 | $-16,704,000 | $-16,619,000 | $-15,543,000 |
| Net Common Stock Issuance | $-1,087,000 | $-935,000 | $-1,519,000 | $-1,213,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-50,000,000 | $-3,750,000 | $-35,000 | $-54,537,000 |
| Issuance Of Debt | $0 | $160,000,000 | $88,756,000 | $34,500,000 |
| Interest Paid Supplemental Data | $116,996,000 | $87,846,000 | $28,868,000 | $12,641,000 |
| Income Tax Paid Supplemental Data | $1,480,000 | $5,720,000 | $10,630,000 | $13,380,000 |
| End Cash Position | $243,478,000 | $65,357,000 | $26,539,000 | $192,825,000 |
| Beginning Cash Position | $65,357,000 | $26,539,000 | $192,825,000 | $396,435,000 |
| Changes In Cash | $178,121,000 | $38,818,000 | $-166,286,000 | $-203,610,000 |
| Common Stock Payments | $-1,087,000 | $-935,000 | $-1,519,000 | $-1,213,000 |
| Net Issuance Payments Of Debt | $-50,000,000 | $156,250,000 | $88,721,000 | $-20,037,000 |
| Net Long Term Debt Issuance | $-50,000,000 | $156,250,000 | $88,721,000 | $-20,037,000 |
| Long Term Debt Payments | $-50,000,000 | $-3,750,000 | $-35,000 | $-54,537,000 |
| Long Term Debt Issuance | $0 | $160,000,000 | $88,756,000 | $34,500,000 |
| Net Investment Purchase And Sale | $68,202,000 | $53,655,000 | $-40,118,000 | $-355,033,000 |
| Sale Of Investment | $68,202,000 | $53,655,000 | $79,959,000 | $126,107,000 |
| Purchase Of Investment | $0 | $0 | $-120,077,000 | $-481,140,000 |
| Net PPE Purchase And Sale | $-26,136,000 | $-36,387,000 | $-21,311,000 | $-8,743,000 |
| Purchase Of PPE | $-26,136,000 | $-36,387,000 | $-21,311,000 | $-8,743,000 |
| Change In Working Capital | $2,298,000 | $-6,991,000 | $7,101,000 | $4,475,000 |
| Change In Other Current Assets | $-1,450,000 | $-2,794,000 | $1,005,000 | $2,118,000 |
| Change In Payables And Accrued Expense | $2,992,000 | $-2,604,000 | $9,194,000 | $16,000 |
| Change In Accrued Expense | $2,992,000 | $-2,604,000 | $9,194,000 | $16,000 |
| Change In Receivables | $756,000 | $-1,593,000 | $-3,098,000 | $2,341,000 |
| Changes In Account Receivables | $756,000 | $-1,593,000 | $-3,098,000 | $2,341,000 |
| Other Non Cash Items | $-1,126,000 | $-1,735,000 | $-964,000 | $-923,000 |
| Stock Based Compensation | $2,509,000 | $3,111,000 | $3,357,000 | $2,573,000 |
| Deferred Tax | $2,982,000 | $447,000 | $1,583,000 | $82,000 |
| Deferred Income Tax | $2,982,000 | $447,000 | $1,583,000 | $82,000 |
| Depreciation Amortization Depletion | $6,923,000 | $5,149,000 | $4,463,000 | $3,615,000 |
| Depreciation And Amortization | $6,923,000 | $5,149,000 | $4,463,000 | $3,615,000 |
| Amortization Cash Flow | $3,200,000 | $3,293,000 | $2,965,000 | $2,111,000 |
| Amortization Of Intangibles | $3,200,000 | $3,293,000 | $2,965,000 | $2,111,000 |
| Depreciation | $3,723,000 | $1,856,000 | $1,498,000 | $1,504,000 |
| Gain Loss On Investment Securities | $1,172,000 | $431,000 | $0 | $-51,000 |
| Net Income From Continuing Operations | $24,050,000 | $24,137,000 | $46,399,000 | $49,607,000 |
| Sale Of PPE | - | - | - | $0 |
| Gain Loss On Sale Of PPE | - | - | - | $0 |