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Upturn AI SWOT - About
WTBA 
West Bancorporation (WTBA)
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Upturn Advisory Summary
03/27/2025: WTBA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -9.93% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 317.80M USD | Price to earnings Ratio 13.3 | 1Y Target Price 23 |
Price to earnings Ratio 13.3 | 1Y Target Price 23 | ||
Volume (30-day avg) 25553 | Beta 0.89 | 52 Weeks Range 15.02 - 24.57 | Updated Date 04/7/2025 |
52 Weeks Range 15.02 - 24.57 | Updated Date 04/7/2025 | ||
Dividends yield (FY) 5.37% | Basic EPS (TTM) 1.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.52% | Operating Margin (TTM) 36.03% |
Management Effectiveness
Return on Assets (TTM) 0.61% | Return on Equity (TTM) 10.62% |
Valuation
Trailing PE 13.3 | Forward PE - | Enterprise Value 457498592 | Price to Sales(TTM) 4.03 |
Enterprise Value 457498592 | Price to Sales(TTM) 4.03 | ||
Enterprise Value to Revenue 8.92 | Enterprise Value to EBITDA - | Shares Outstanding 16832600 | Shares Floating 15015886 |
Shares Outstanding 16832600 | Shares Floating 15015886 | ||
Percent Insiders 11.49 | Percent Institutions 47.35 |
Analyst Ratings
Rating 3 | Target Price 25 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
West Bancorporation
Company Overview
History and Background
West Bancorporation, Inc. was founded in 1893 as Valley Junction Savings Bank. It has grown through organic expansion and strategic acquisitions, evolving into a multi-bank holding company focused on serving businesses and individuals in the Midwestern United States.
Core Business Areas
- Commercial Banking: Provides a wide range of lending and deposit products to businesses of all sizes, including commercial real estate financing, equipment loans, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals, families, and businesses.
Leadership and Structure
Kevin L. Vermeer serves as the Chairman, President and CEO. The company has a board of directors and is structured into various departments based on core business areas, including commercial banking, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties. Competitors include larger national banks and regional lenders. Market share data is not publicly available, but WBSC focuses on the Midwest region. Competitors: US Bancorp (USB), Wells Fargo (WFC)
- Small Business Loans: Provides loans to small businesses, including term loans and lines of credit. Competitors include online lenders and other community banks. Market share data is not publicly available, but WBSC holds a strong position in its local markets. Competitors: Bank of America (BAC), JPMorgan Chase (JPM)
- Deposit Accounts: Offers a variety of checking, savings, and money market accounts. Competitors include all banks and credit unions. Market share data is not publicly available. Competitors: Wells Fargo (WFC), Principal Financial Group (PFG).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape. Banks are also investing in technology to improve customer experience and efficiency.
Positioning
West Bancorporation is positioned as a relationship-focused community bank, emphasizing personalized service and local market expertise. It competes with larger national and regional banks, as well as smaller community banks and credit unions.
Total Addressable Market (TAM)
The total addressable market consists of all businesses and individuals in the Midwest region requiring banking and financial services, estimated to be in the hundreds of billions of dollars. West Bancorporation is positioned to capture a portion of this market by focusing on its target customer segments and leveraging its competitive advantages.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-focused banking model
- Solid financial performance
- High customer satisfaction
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking model
- Lower brand recognition nationally
Opportunities
- Expanding into new markets within the Midwest
- Acquiring smaller banks or credit unions
- Investing in digital banking technologies
- Growing wealth management business
- Increasing market share in existing markets
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic slowdown
- Changing regulatory environment
- Cybersecurity risks
- Disruptive technologies
Competitors and Market Share
Key Competitors
- USB
- UMB
- CMA
Competitive Landscape
West Bancorporation competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantages include its strong local market presence, relationship-focused banking model, and experienced management team.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: West Bancorporation has experienced steady growth in assets, loans, and deposits over the past few years.
Future Projections: Analysts project continued growth in revenue and earnings, driven by organic expansion and strategic initiatives.
Recent Initiatives: The company has recently invested in digital banking technologies and expanded its wealth management business.
Summary
West Bancorporation shows consistent financial performance with strategic growth in the Midwestern region. Their commitment to the relationship-focused banking model helps to retain their customers. The company needs to continue expanding in new markets and invest in fintech in order to remain competitive. Competition and possible recession are challenges to watch out for.
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Sources and Disclaimers
Data Sources:
- Company Financial Statements
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made based on individual circumstances and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About West Bancorporation
Exchange NASDAQ | Headquaters West Des Moines, IA, United States | ||
IPO Launch date 1999-05-03 | CEO, President & Director Mr. David D. Nelson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 180 | Website https://www.westbankstrong.com |
Full time employees 180 | Website https://www.westbankstrong.com | ||
West Bancorporation, Inc. operates as the financial holding company provides community banking and trust services to individuals and small- to medium-sized businesses in the United States. The company offers deposit services, including checking, savings, and money market accounts, as well as time certificates of deposit. It also provides loan products comprising commercial real estate loans, construction and land development loans, commercial lines of credit, and commercial term loans; consumer loans, including loans extended to individuals for household, family, and other personal expenditures not secured by real estate; and 1-4 family residential mortgages and home equity loans. In addition, the company offers online and mobile banking, treasury management services including cash management, client-generated automated clearing house transactions, remote deposit, and fraud protection services; merchant credit card processing and corporate credit cards; and administration of estates, conservatorships, personal trusts, and agency accounts. West Bancorporation, Inc. was founded in 1893 and is headquartered in West Des Moines, Iowa.
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