📊 WTBA Key Takeaways
Is West Bancorporation Inc. (WTBA) a Good Investment?
West Bancorporation exhibits exceptional growth with 116% YoY revenue expansion and 35.4% net income growth, supported by healthy 16.9% net margins and conservative 0.19x debt/equity capitalization. Strong free cash flow generation of $43.2M and robust liquidity position underscore financial stability, though aggressive growth rates and concerning 0.7x interest coverage ratio require scrutiny of organic growth drivers and credit quality.
Why Buy West Bancorporation Inc. Stock? WTBA Key Strengths
- Exceptional revenue growth of 116% YoY demonstrates significant business momentum and market penetration
- Strong net income growth of 35.4% YoY with 16.9% net margin indicates profitable, sustainable operations
- Conservative capital structure with 0.19x debt/equity and only $51.5M long-term debt relative to $266.0M equity
- Robust free cash flow of $43.2M with 22.4% FCF margin demonstrates cash generation capability
- Substantial cash position of $471.1M provides operational flexibility and strategic optionality
- Solid 12.2% ROE and 21.5% operating margin indicate reasonable profitability and operational execution
WTBA Stock Risks: West Bancorporation Inc. Investment Risks
- Interest coverage ratio of 0.7x is materially concerning and suggests potential constraints on debt servicing capacity
- Revenue growth of 116% appears unsustainable and likely acquisition-driven rather than organically generated
- Missing critical banking metrics including non-performing loan ratios, loan loss reserves, and asset quality indicators
- ROA of 0.8% is subdued and raises questions regarding operational efficiency and asset deployment
- Lack of visibility into net interest margin trends, deposit stability, and funding composition
Key Metrics to Watch
- Organic versus acquisition-driven revenue growth decomposition and sustainability trajectory
- Interest coverage ratio trend and detailed analysis of interest expense relative to operating income
- Non-performing loan ratios, loan loss reserve adequacy, and credit quality metrics
- Net interest margin stability, deposit growth rates, and funding diversification
- Regulatory capital adequacy ratios and compliance status relative to minimum requirements
West Bancorporation Inc. (WTBA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 22.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
WTBA Profit Margin, ROE & Profitability Analysis
WTBA vs Finance Sector: How West Bancorporation Inc. Compares
How West Bancorporation Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is West Bancorporation Inc. Stock Overvalued? WTBA Valuation Analysis 2026
Based on fundamental analysis, West Bancorporation Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
West Bancorporation Inc. Balance Sheet: WTBA Debt, Cash & Liquidity
WTBA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: West Bancorporation Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.35 reflects profitable operations.
WTBA Revenue Growth, EPS Growth & YoY Performance
West Bancorporation Inc. Dividends, Buybacks & Capital Allocation
WTBA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for West Bancorporation Inc. (CIK: 0001166928)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 26, 2026 | 4 | xslF345X06/wk-form4_1774557023.xml | View → |
| Mar 26, 2026 | 4 | xslF345X06/wk-form4_1774556980.xml | View → |
| Mar 26, 2026 | 4 | xslF345X06/wk-form4_1774556957.xml | View → |
| Mar 26, 2026 | 4 | xslF345X06/wk-form4_1774556928.xml | View → |
| Mar 26, 2026 | 4 | xslF345X06/wk-form4_1774556903.xml | View → |
❓ Frequently Asked Questions about WTBA
What is the AI rating for WTBA?
West Bancorporation Inc. (WTBA) has an AI rating of BUY with 76% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WTBA's key strengths?
Claude: Exceptional revenue growth of 116% YoY demonstrates significant business momentum and market penetration. Strong net income growth of 35.4% YoY with 16.9% net margin indicates profitable, sustainable operations.
What are the risks of investing in WTBA?
Claude: Interest coverage ratio of 0.7x is materially concerning and suggests potential constraints on debt servicing capacity. Revenue growth of 116% appears unsustainable and likely acquisition-driven rather than organically generated.
What is WTBA's revenue and growth?
West Bancorporation Inc. reported revenue of $192.2M.
Does WTBA pay dividends?
West Bancorporation Inc. pays dividends, with $16.9M distributed to shareholders in the trailing twelve months.
Where can I find WTBA SEC filings?
Official SEC filings for West Bancorporation Inc. (CIK: 0001166928) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WTBA's EPS?
West Bancorporation Inc. has a diluted EPS of $1.92.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is WTBA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, West Bancorporation Inc. has a BUY rating with 76% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is WTBA stock overvalued or undervalued?
Valuation metrics for WTBA: ROE of 12.2% (sector avg: 12%), net margin of 16.9% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy WTBA stock in 2026?
Our dual AI analysis gives West Bancorporation Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is WTBA's free cash flow?
West Bancorporation Inc.'s operating cash flow is $46.5M, with capital expenditures of $3.3M. FCF margin is 22.4%.
How does WTBA compare to other Finance stocks?
Vs Finance sector averages: Net margin 16.9% (avg: 25%), ROE 12.2% (avg: 12%), current ratio N/A (avg: 1.2).