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WEST BANCORPORATION INC

WTBA

$28.54 ▼ -0.69 (-2.36%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

WEST BANCORPORATION INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $482.8M

Dividend Yield 3.50%

Revenue Growth 19.4% ↗

Op. Margin 43.5% ↗

ROIC None

FCF / Share None

Trailing P/E 14.9x

Price / Book 1.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$95.25M

↑ +19.4% —

Net Income Profit after all expenses

$32.56M

↑ +35.4% —

Operating Margin Operating profit as % of sales

43.5%

↑ +26.4% 95th

Long-Term Debt Long-term obligations

$51.52M

↑ +139.0% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.00 Latest / share

+0.0% YoY

+6.7% 12-yr CAGR

$0.49

FY 2014

$0.62

FY 2015

$0.67

FY 2016

$0.71

FY 2017

$0.78

FY 2018

$0.83

FY 2019

$0.84

FY 2020

$0.94

FY 2021

$1.00

FY 2022

$1.00

FY 2023

$1.00

FY 2024

$1.00

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	19.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+223%)	0.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	-22.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-474%)	-2.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-145%)	13.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+123%)	23.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+294%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	5.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	4.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	3.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	-3.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-155%)	3.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	—	—
EPS Growth YoY (%)	34.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-0.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-48.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	50.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	23.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-0.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	22.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	10.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	24.3% Good Good Year-over-year change in earnings per share Optimal: > 10%	15.6% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	35.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-0.4% Weak ↑ Weak Improving Year-over-year change in net income	-48.0% Weak ↓ Weak Declining Year-over-year change in net income	-6.5% Weak ↓ Weak Declining Year-over-year change in net income	51.6% Excellent ↑ Excellent Improving Year-over-year change in net income	14.0% Fair ↑ Fair Improving Year-over-year change in net income	0.6% Caution ↓ Caution Declining Year-over-year change in net income	23.6% Good ↑ Good Improving Year-over-year change in net income	0.2% Caution ↓ Caution Declining Year-over-year change in net income	5.9% Fair ↓ Fair Declining Year-over-year change in net income	8.5% Fair ↓ Fair Declining Year-over-year change in net income	18.6% Good ↑ Good Improving Year-over-year change in net income	5.5% Fair ↓ Fair Declining Year-over-year change in net income	4.9% Caution Caution Year-over-year change in net income	14.1% Fair Fair Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-8.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	10.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	14.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	4.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.0% Weak Weak Compound annual revenue growth over 3 years	1.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	8.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.5% Caution Caution Compound annual revenue growth over 5 years	3.2% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-11.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	11.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	13.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	19.1% Excellent Excellent Compound annual EPS growth over 3 years	16.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	43.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	34.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	37.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	58.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+133%)	60.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+140%)	44.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	47.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	50.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	53.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	50.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	50.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	34.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	30.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	30.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	45.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+107%)	47.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	35.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	38.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	40.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	33.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	35.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	33.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	30.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	25.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	-28.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-231%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	12.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	10.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	22.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+83%)	19.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+59%)	14.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	13.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	14.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	13.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	13.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	-11.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-192%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	0.20x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.11x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.14x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.56x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$5.63	$4.75	$4.74	$6.13	$6.34	$5.62	$4.57	$4.29	$4.24	$4.04	$3.89	$3.71	$3.27	$3.00	$2.92	$3.02	—	—
Basic EPS, GAAP (USD)	$1.92	$1.43	$1.44	$2.79	$3.00	$1.99	$1.75	$1.75	$1.42	$1.43	$1.35	$1.25	$1.02	$0.92	$0.74	$0.64	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.00	$1.00	$1.00	$1.00	$0.94	$0.84	$0.83	$0.78	$0.71	$0.67	$0.62	$0.49	$0.42	$0.36	$0.17	$0.05	$0.09	—
Book Value per Share (USD)	$15.70	$13.54	$13.46	$12.69	$15.73	$13.58	$12.93	$11.72	$10.98	$10.25	$9.49	$8.75	$7.74	$7.73	$7.09	$8.36	—	—
Tangible Book Value per Share (USD)	$15.70	$13.54	$13.46	$12.69	$15.73	$13.58	$12.93	$11.72	$10.98	$10.25	$9.49	$8.75	$7.74	$7.73	$7.09	$8.36	—	—
Basic Weighted Avg Shares (shares)	16.91M	16.81M	16.70M	16.62M	16.53M	16.45M	16.36M	16.27M	16.19M	16.12M	16.05M	16.00M	16.58M	17.40M	17.40M	17.40M	—	—
Dividend Payout Ratio (%)	52.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	69.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	69.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	44.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	45.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	$51.52M	$21.56M	$22.93M	$27.04M	$22.92M	$5.13M	$8.40M	$12.68M	$15.94M	$0.00	—	—	—	—
Total Equity (USD)	$265.99M	$227.88M	$225.04M	$211.11M	$260.33M	$223.69M	$211.82M	$191.02M	$178.10M	$165.38M	$152.38M	$140.18M	$123.62M	$134.59M	$123.45M	$145.44M	$133.06M	$150.06M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$95.25M	$79.80M	$79.10M	$101.95M	$104.79M	$92.44M	$74.75M	$69.81M	$68.70M	$65.10M	$62.36M	$59.44M	$54.18M	$52.19M	$50.76M	$52.51M	$50.73M	—
Depreciation Expense (USD)	$4.52M	$3.72M	$1.86M	$1.50M	$1.50M	$1.50M	$1.43M	$1.41M	$1.35M	$1.05M	$921.00K	$853.00K	$786.00K	$697.00K	$612.00K	$582.00K	$688.00K	—
Net Income, GAAP (USD)	$32.56M	$24.05M	$24.14M	$46.40M	$49.61M	$32.71M	$28.69M	$28.51M	$23.07M	$23.02M	$21.74M	$20.04M	$16.89M	$16.01M	$15.27M	$13.38M	$-14.62M	—
Operating Cash Flow (USD)	$46.48M	$39.81M	$25.25M	$59.44M	$57.88M	$42.28M	$36.97M	$34.74M	—	—	—	—	—	—	$26.03M	$25.08M	$17.61M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.1%	1.8%	1.8%	2.5%	2.7%	2.6%	2.7%	2.7%	2.8%	3.1%	3.1%	3.0%	3.2%	2.8%	3.3%	—	—	—
Efficiency Ratio (%) (%)	56.5%	64.4%	61.5%	44.2%	41.4%	42.3%	51.4%	50.1%	47.0%	47.8%	48.2%	53.8%	56.9%	55.2%	56.9%	52.8%	74.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 18 years · 68 quarters

WEST BANCORPORATION INC

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