📊 WTBA Key Takeaways
Is West Bancorporation Inc. (WTBA) a Good Investment?
West Bancorporation demonstrates strong top-line and earnings growth (+116% revenue, +35% net income YoY) with healthy margins (22.3% net, 28.4% operating), but is severely constrained by critically low returns on equity (3.9%) and assets (0.3%), combined with alarming interest coverage (0.2x) that suggests debt service stress despite positive cash flows.
Why Buy West Bancorporation Inc. Stock? WTBA Key Strengths
- Exceptional revenue growth of 116% YoY with corresponding 35.4% net income growth
- Strong net profit margin (22.3%) and operating margin (28.4%) indicate operational efficiency
- Positive free cash flow generation ($12.4M) with robust 26.1% FCF margin and conservative 0.19x debt-to-equity ratio
WTBA Stock Risks: West Bancorporation Inc. Investment Risks
- Critically deficient interest coverage ratio of 0.2x signals inability to cover interest expenses from operating income; unsustainable debt service position
- Severely depressed ROE (3.9%) and ROA (0.3%) far below banking industry norms (8%+ ROE), indicating poor capital deployment efficiency
- Exceptionally rapid 116% revenue growth from compressed baseline raises sustainability concerns; growth trajectory requires verification for reversion risk
Key Metrics to Watch
- Interest coverage ratio - currently at critical 0.2x; must improve above 2.5x minimum for viability
- Return on equity and return on assets trends - recovery toward 8%+ ROE and 0.8%+ ROA necessary for fundamental health
- Loan portfolio quality and charge-offs - asset quality deterioration would explain low profitability despite margin strength
West Bancorporation Inc. (WTBA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 26.1% 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 |
|---|---|---|---|
| Apr 24, 2026 | 4 | xslF345X06/wk-form4_1777062468.xml | View → |
| Apr 24, 2026 | 4 | xslF345X06/wk-form4_1777062449.xml | View → |
| Apr 24, 2026 | 4 | xslF345X06/wk-form4_1777062431.xml | View → |
| Apr 24, 2026 | 4 | xslF345X06/wk-form4_1777062419.xml | View → |
| Apr 24, 2026 | 4 | xslF345X06/wk-form4_1777062404.xml | View → |
❓ Frequently Asked Questions about WTBA
What is the AI rating for WTBA?
West Bancorporation Inc. (WTBA) has an AI rating of HOLD with 50% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WTBA's key strengths?
Claude: Exceptional revenue growth of 116% YoY with corresponding 35.4% net income growth. Strong net profit margin (22.3%) and operating margin (28.4%) indicate operational efficiency.
What are the risks of investing in WTBA?
Claude: Critically deficient interest coverage ratio of 0.2x signals inability to cover interest expenses from operating income; unsustainable debt service position. Severely depressed ROE (3.9%) and ROA (0.3%) far below banking industry norms (8%+ ROE), indicating poor capital deployment efficiency.
What is WTBA's revenue and growth?
West Bancorporation Inc. reported revenue of $47.4M.
Does WTBA pay dividends?
West Bancorporation Inc. pays dividends, with $4.2M 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 $0.61.
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 May 2026, West Bancorporation Inc. has a HOLD rating with 50% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is WTBA stock overvalued or undervalued?
Valuation metrics for WTBA: ROE of 3.9% (sector avg: 12%), net margin of 22.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy WTBA stock in 2026?
Our dual AI analysis gives West Bancorporation Inc. a combined HOLD 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 $12.9M, with capital expenditures of $497.0K. FCF margin is 26.1%.
How does WTBA compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.3% (avg: 25%), ROE 3.9% (avg: 12%), current ratio N/A (avg: 1.2).