FilingIndex
AGSS10-KAMSS10-QPETVW10-KFMCQF11-KCTGO8-KBLTHS-1/AAURADEF 14AQLEP-UN8-KTOVXDEF 14AMLM8-KCURB424B5GL-PD8-KEXYNWS-1DLR-PJ8-KDFNSW8-KOTH8-K/APSKY8-KMODD10-KCTVA8-KSEQCS-1PPIH8-KOPRTDEFA14AAAVXF6-KMNRO11-KOPRTDEF 14AAIB8-KSWMR8-KRMCFDEF 14AALH8-KCVKD8-KAGSS10-KAMSS10-QPETVW10-KFMCQF11-KCTGO8-KBLTHS-1/AAURADEF 14AQLEP-UN8-KTOVXDEF 14AMLM8-KCURB424B5GL-PD8-KEXYNWS-1DLR-PJ8-KDFNSW8-KOTH8-K/APSKY8-KMODD10-KCTVA8-KSEQCS-1PPIH8-KOPRTDEFA14AAAVXF6-KMNRO11-KOPRTDEF 14AAIB8-KSWMR8-KRMCFDEF 14AALH8-KCVKD8-K
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WABCNasdaq

WESTAMERICA BANCORPORATION

National Commercial Banks · CA · CIK 311094

Provides banking services to individuals and commercial customers, focusing on small businesses in Northern and Central California

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$1.37B
Market cap
$58.48
Last close
-0.6%
1D
+0.6%
5D
265K
Volume
Price · last 39 sessions+7.8%
May 4L $53.78 · H $59.15Jun 29
386
Total filings
Jun 26, 2026
Last filing
12/31
Fiscal year end
All8-K · 22710-Q · 61DEF 14A · 2111-K · 2110-K · 21SC 13G · 16DEFA14A · 168-K/A · 3
11-KFORM 11-KJun 26, 202610-QFORM 10-QMay 8, 20268-KShareholder VoteApr 27, 20268-KCompany UpdateApr 24, 20268-KCompany UpdateApr 23, 20268-KResults of OperationsApr 16, 2026DEFA14ADEFA14AMar 13, 2026DEF 14ADEF 14AMar 13, 202610-KFORM 10-KFeb 27, 20268-KExecutive ChangeJan 23, 20268-KCompany UpdateJan 22, 20268-KResults of OperationsJan 15, 20268-KCompany UpdateDec 18, 202510-QFORM 10-QNov 7, 20258-KCompany UpdateOct 23, 20258-KResults of OperationsOct 16, 20258-KExecutive ChangeAug 12, 202510-QFORM 10-QAug 6, 20258-KCompany UpdateJul 24, 20258-KResults of OperationsJul 17, 202511-KFORM 11-KJun 27, 202510-QFORM 10-QMay 9, 20258-KShareholder VoteApr 28, 20258-KCompany UpdateApr 24, 20258-KResults of OperationsApr 17, 2025DEFA14ADEFA14AMar 14, 2025DEF 14ADEF 14AMar 14, 202510-KFORM 10-KFeb 28, 20258-KCompany UpdateFeb 27, 20258-KExecutive ChangeJan 23, 20258-KCompany UpdateJan 23, 20258-KResults of OperationsJan 16, 202510-QFORM 10-QNov 8, 20248-KCompany UpdateOct 24, 20248-KResults of OperationsOct 17, 202410-QFORM 10-QAug 8, 20248-KCompany UpdateJul 25, 20248-KResults of OperationsJul 18, 202411-KFORM 11-KJun 28, 20248-KExecutive ChangeJun 28, 202410-QFORM 10-QMay 9, 20248-K/AShareholder VoteMay 6, 20248-KShareholder VoteApr 29, 20248-KCompany UpdateApr 25, 20248-KResults of OperationsApr 18, 2024DEFA14ADEFA14AMar 15, 2024DEF 14ADEF 14AMar 15, 202410-KFORM 10-KFeb 29, 2024SC 13GSC 13GFeb 12, 20248-KCompany UpdateJan 25, 20248-KResults of OperationsJan 18, 20248-KExecutive ChangeDec 19, 202310-QFORM 10-QNov 8, 20238-KExecutive ChangeNov 1, 20238-KCompany UpdateOct 26, 20238-KResults of OperationsOct 19, 20238-KExecutive ChangeSep 29, 202310-QFORM 10-QAug 8, 20238-KCompany UpdateJul 27, 20238-KResults of OperationsJul 20, 202311-KFORM 11-KJun 29, 20238-KExecutive ChangeJun 2, 202310-QFORM 10-QMay 9, 20238-KBylaw Amendment · Shareholder VoteApr 28, 20238-KCompany UpdateApr 27, 20238-KResults of OperationsApr 20, 20238-KExecutive ChangeMar 31, 2023DEFA14ADEFA14AMar 17, 2023DEF 14ADEF 14AMar 17, 202310-KFORM 10-KMar 1, 20238-KCompany UpdateJan 26, 2023SC 13GSC 13GJan 24, 20238-KResults of OperationsJan 19, 202310-QFORM 10-QNov 8, 20228-KCompany UpdateOct 27, 20228-KResults of OperationsOct 20, 202210-QFORM 10-QAug 8, 20228-KCompany UpdateJul 28, 20228-KResults of OperationsJul 21, 202211-KFORM 11-KJun 29, 2022

What Changed

Risk factors · Feb 28, 2025 → Feb 27, 2026

11 added · 19 removed between the two most recent 10-Ks. The risks a company starts — or stops — disclosing are often the story.

Newly disclosed
  • The 2008 - 2009 financial crisis led to the failure or merger of a number of financial institutions.
  • Unfavorable or uncertain economic and market conditions can be caused by: declines in economic growth, high rates of unemployment, deflation, pandemics, declines in business activity or consumer, investor or business confidence; limitations on the availability of or increases in the cost of credit and capital; increases in inflation; natural disasters; or a combination of these or other factors.
  • Such business conditions could adversely affect the credit quality of the Company’s loans, the demand for loans, loan volumes and related revenue, securities valuations, amounts of deposits, availability of funding, results of operations and financial condition.
  • Any failure or circumvention of the Company’s controls and procedures or failure to comply with regulations related to controls and procedures could have a material adverse effect on the Company’s business, results of operations and financial condition.
  • Over the intermediate and longer-term, the Company can be subject to transition risks such as market demand, and policy and law changes. -14- None of the Company’s physical locations are located near sea level, and only a limited number of branches are located in flood zones.
  • The unanticipated loss of the services of key personnel could have an adverse effect on the business. -15- The Company is subject to environmental liability risk associated with lending activities.
  • Operational Risks Climate change and the transition to renewable energy and a net zero emissions economy pose operational, commercial and regulatory risks.
  • The Company competes with many banks and other traditional, non-traditional, brick and mortar and online financial service providers .
  • Negative developments affecting the banking industry, such as bank failures, may have a material adverse effect on the Company.
  • Federal, state and local governments could pass tax legislation causing the Company to pay higher levels of taxes.
  • The FDIC insures deposits at insured financial institutions up to certain limits.
No longer disclosed
  • For example, during the second quarter 2023, the Company was notified that there may have been a compromise of a specific set of files processed by a third party vendor that could have affected a limited number of customers.
  • As of December 31, 2024, to the Company’s knowledge, there is no indication that any information has been subject to misuse as a result of the incident.
  • Unfavorable or uncertain economic and market conditions can be caused by: declines in economic growth, high rates of unemployment, deflation, pandemics, declines in business activity or consumer, investor or business confidence; limitations on the availability of or increases in the cost of credit and capital; increases in inflation; natural disasters; or a combination of these or other factors. -12- Such business conditions could adversely affect the credit quality of the Company’s loans, the demand for loans, loan volumes and related revenue, securities valuations, amounts of deposits, availability of funding, results of operations and financial condition.
  • Any failure or circumvention of the Company’s controls and procedures or failure to comply with regulations related to controls and procedures could have a material adverse effect on the Company’s business, results of operations and financial condition. -14- Operational Risks Climate change and the transition to renewable energy and a net zero emissions economy pose operational, commercial and regulatory risks.
  • The Company’s business, operations and financial performance may be affected by the macroeconomic impacts resulting from pandemics, and the Company’s financial results in future periods could differ significantly from the Company’s historical results.
  • The extent to which the Company’s business will be affected will depend on a variety of factors, many of which are outside of the Company’s control, including the persistence of the pandemic, the actions of governmental authorities, changes in customer preferences, impacts on economic activity, and the possibility of recession or financial market instability.
  • Federal, state and local governments could pass tax legislation causing the Company to pay higher levels of taxes. -13- The FDIC insures deposits at insured financial institutions up to certain limits.
  • The effects of pandemics and their impact are highly unpredictable and could be significant, and could harm the Company ’ s business, financial condition, and operating results.
  • The Company has implemented data security safeguards with its third party vendors designed to quickly identify and contain improper access to sensitive information.
  • Over the intermediate and longer-term, the Company can be subject to transition risks such as market demand, and policy and law changes.
  • None of the Company’s physical locations are located near sea level, and only a limited number of branches are located in flood zones.
  • The level and composition of the Bank's deposit portfolio directly impacts the Bank's funding cost and net interest margin.

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