WTBA
NEUTRAL
$24.48
Live
West Bancorporation, Inc. · NASDAQ
Target $25.75
(+5.2%)
$17.31
52W Range
$26.6
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 24, 2026
Market cap
$416.85M
P/E
11.83
ROE
13.2%
Profit margin
34.2%
Debt/Equity
N/A
Dividend yield
4.08%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
WTBA presents a valuation-driven opportunity tempered by deteriorating earnings momentum. The deterministic baseline shows a stable Piotroski F-Score of 4/9 and a current price ($24.48) trading slightly below both its Intrinsic Value ($24.74) and Graham Number ($27.04). While the dividend profile is strong and the P/E ratio is attractive, a significant recent Q/Q EPS decline of 21.8% and bearish insider activity suggest immediate headwinds.
Key Strengths
Trading below Graham Number ($27.04) and Intrinsic Value ($24.74)
Strong dividend yield of 4.08% with a sustainable payout ratio of 48.31%
Robust revenue growth (YoY 17.40%)
Attractive Forward P/E of 8.59 compared to sector averages
Consistent historical track record of beating earnings estimates (3/4 last 4 quarters)
Key Risks
Sharp recent decline in earnings growth (Q/Q EPS growth -21.8%)
Bearish insider sentiment with recent director sales totaling $0.52M
Very weak technical trend (10/100), indicating strong downward momentum
Mediocre Piotroski F-Score (4/9) suggesting only stable, not strong, financial health
Significant earnings miss in the most recent quarter (-24.6% surprise)
AI Fair Value Estimate
Based on comprehensive analysis
$25.89
+5.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
85
40
70
50
80
AI Verdict
Fairly Valued / High Risk Momentum
Key drivers: Low P/E valuation, Earnings contraction, Bearish technicals/insiders
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E 11.83 is low
- Price < Graham Number
Watchpoints
- Price/Book 1.56 is moderate for regional banks
Future
40/100
Ref Growth rates
Positives
- Strong YoY Revenue growth
Watchpoints
- Negative YoY EPS growth (-12.2%)
- Recent Q/Q EPS crash
Past
70/100
Ref Historical trends
Positives
- Strong 1Y (+30.6%) and 3Y (+67.1%) returns
- Long history of earnings beats
Watchpoints
- Recent trend reversal
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score 4/9 is stable
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
80/100
Ref Yield, Payout
Positives
- 4.08% yield
- Healthy payout ratio < 50%
Watchpoints
- Dividend growth not specified
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$24.48
Analyst Target
$25.75
Upside/Downside
+5.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for WTBA and closest competitors.
Updated 2026-04-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
WTBA
West Bancorporation, Inc.
Primary
|
+24.5% | +67.1% | +30.6% | +21.9% | +3.8% | +3.7% |
|
CZNC
Citizens & Northern Corporation
Peer
|
+27.6% | +34.5% | +29.1% | +24.1% | +5.1% | -1.5% |
|
RBB
RBB Bancorp
Peer
|
+46.5% | +92.5% | +67.2% | +30.7% | +13.9% | +6.8% |
|
GBFH
GBank Financial Holdings Inc.
Peer
|
+72.2% | +72.2% | -12.6% | -29.5% | +3.2% | +5.9% |
|
PDLB
Ponce Financial Group, Inc.
Peer
|
+120.7% | +138.2% | +52.0% | +21.8% | +5.2% | +0.1% |
WTB
West Bancorporation, Inc.
Primary
5Y
+24.5%
3Y
+67.1%
1Y
+30.6%
6M
+21.9%
1M
+3.8%
1W
+3.7%
CZN
Citizens & Northern Corporation
Peer
5Y
+27.6%
3Y
+34.5%
1Y
+29.1%
6M
+24.1%
1M
+5.1%
1W
-1.5%
RBB
RBB Bancorp
Peer
5Y
+46.5%
3Y
+92.5%
1Y
+67.2%
6M
+30.7%
1M
+13.9%
1W
+6.8%
GBF
GBank Financial Holdings Inc.
Peer
5Y
+72.2%
3Y
+72.2%
1Y
-12.6%
6M
-29.5%
1M
+3.2%
1W
+5.9%
PDL
Ponce Financial Group, Inc.
Peer
5Y
+120.7%
3Y
+138.2%
1Y
+52.0%
6M
+21.8%
1M
+5.2%
1W
+0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.83
Forward P/E
8.59
PEG Ratio
N/A
P/B Ratio
1.56
P/S Ratio
4.38
EV/Revenue
3.38
EV/EBITDA
N/A
Market Cap
$416.85M
Profitability
Profit margins and return metrics
Profit Margin
34.19%
Operating Margin
43.15%
Gross Margin
N/A
ROE
13.19%
ROA
0.8%
Growth
Revenue and earnings growth rates
Revenue Growth
+17.4%
Earnings Growth
+3.3%
Q/Q Revenue Growth
+11.76%
Q/Q Earnings Growth
+4.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$28.56
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
32.1%
Total Assets
$4.1B
Liabilities
$3.9B
Equity
$0.3B
Debt/Equity
14.57x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$0.43
-24.6% surprise
2025-10-23
$0.55
+17.0% surprise
2025-07-24
$0.47
+4.4% surprise
2025-04-24
$0.46
+21.1% surprise
Financial Services Sector Comparison
Comparing WTBA against 612 companies in the Financial Services sector
(113 bullish, 251 neutral, 248 bearish)
P/E Ratio
11.83
This Stock
vs
40.43
Sector Avg
-70.8%
(Discount)
Return on Equity (ROE)
13.19%
This Stock
vs
-1.21%
Sector Avg
-1187.2%
(Below Avg)
Profit Margin
34.19%
This Stock
vs
49.39%
Sector Avg
-30.8%
(Weaker)
Revenue Growth
17.4%
This Stock
vs
38.97%
Sector Avg
-55.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
WTBA
West Bancorporation, Inc.
|
NEUTRAL | $416.85M | 11.83 | 13.2% | 34.2% | $24.48 | |
|
CZNC
Citizens & Northern Corporation
|
NEUTRAL | $416.05M | 15.91 | 7.6% | 20.1% | $23.23 | Compare |
|
RBB
RBB Bancorp
|
NEUTRAL | $412.85M | 13.21 | 6.2% | 28.1% | $24.18 | Compare |
|
GBFH
GBank Financial Holdings Inc.
|
NEUTRAL | $421.09M | 19.8 | 13.7% | 29.0% | $29.1 | Compare |
|
PDLB
Ponce Financial Group, Inc.
|
BULLISH | $423.47M | 14.61 | 5.5% | 27.2% | $17.53 | Compare |
WTBA
West Bancorporation, Inc.
NEUTRAL
Mkt Cap
$417M
P/E
11.8
ROE
13.2%
Price
$24.48
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-23 | PETERS BRADLEY P | Officer | Stock Award | 15,000 | - |
| 2026-02-23 | WINTERBOTTOM BRAD L | Officer | Stock Award | 15,000 | - |
| 2026-02-23 | FUNK JANE M. | Chief Financial Officer | Stock Award | 15,000 | - |
| 2026-02-23 | NELSON DAVID D | Chief Executive Officer | Stock Award | 17,000 | - |
| 2026-02-23 | OLAFSON HARLEE N. | Officer | Stock Award | 15,000 | - |
| 2026-02-17 | NOYCE JAMES W | Director | Gift | 1,000 | - |
| 2025-11-24 | MILLIGAN GEORGE D | Director | Sale | 15,826 | $345,272 |
| 2025-11-11 | GULLING DOUGLAS R | Director | Sale | 7,900 | $171,825 |
PETERS BRADLEY P
Officer
2026-02-23
15,000 shares
WINTERBOTTOM BRAD L
Officer
2026-02-23
15,000 shares
FUNK JANE M.
Chief Financial Officer
2026-02-23
15,000 shares
NELSON DAVID D
Chief Executive Officer
2026-02-23
17,000 shares
OLAFSON HARLEE N.
Officer
2026-02-23
15,000 shares
NOYCE JAMES W
Director
2026-02-17
1,000 shares
MILLIGAN GEORGE D
Director
2025-11-24
15,826 shares
·
$345,272
GULLING DOUGLAS R
Director
2025-11-11
7,900 shares
·
$171,825
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-Q
8-K
DEF 14A
10-K
8-K
8-K
10-Q
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
2 analysts
Piper Sandler
2025-10-27
Neutral
Neutral
Past News Coverage
Recent headlines mentioning WTBA from our newsroom.
Newest → oldest
No matching news yet.