West Bancorporation, Inc.

$ 24.92 1.30 %

West Bancorporation, Inc. functions as the holding company for West Bank, delivering a comprehensive suite of community banking and trust services. Serving individuals and small-to-medium enterprises throughout the United States, its financial offerings include a variety of deposit options such as checking, savings, money market accounts, and time certificates of deposit. The institution also provides diverse lending solutions, spanning commercial real estate, construction and land development, business lines of credit, and commercial term loans. Furthermore, it offers consumer loans for personal, household, and family expenditures not secured by property, alongside residential mortgages for 1-4 family homes and home equity loans. Beyond traditional banking, the company specializes in trust administration, managing estates, conservatorships, personal trusts, and agency accounts. Supplementary services encompass internet and mobile banking platforms, treasury management solutions—like cash management, client-generated ACH transactions, remote deposit capabilities, and fraud prevention—as well as merchant credit card processing and corporate credit cards. West Bancorporation, Inc. maintains a physical presence through seven offices in the Des Moines vicinity, one location in Coralville, Iowa, and individual branches situated in Rochester, Owatonna, Mankato, and St. Cloud, Minnesota. This entity, founded in 1893, is headquartered in West Des Moines, Iowa.

CEO: David D. Nelson - https://www.westbankstrong.com

Price objectif

-

Recommandation

Hold

DCF

$ 13.17

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WTBA vs S&P500

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Quick ratio

0.15

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

12.04

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

2.07

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

13.67 %

reflects reasonable profitability, showing good use of equity.

ROIC

5.22 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

14.48

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.39

means it relies more on debt, which can increase financial risk.

Free cash flow per share

2.79

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

48.01 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
-0.58 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.07 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.09 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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