Westamerica Q4 2025 net income $27.8M, EPS $1.12; cost of funds 0.24%

WESTAMERICA BANCORPORATION

2025-FY EPS reported $4.52

Net income $27.8M, diluted EPS $1.12 (incl. $0.02 tax adjustment); Q3 net income $28.3M, EPS $1.12.
Net interest income (FTE) $53.5M vs $53.8M in Q3; annualized yield 4.00%, cost of funds 0.24%.
Nonperforming assets stable at $1.8M; allowance for credit losses $11.6M.
Paid $0.46 dividend; retired 485K shares via repurchase; capital ratios exceed regulatory guidelines.
Operating expenses 40% of total revenues; 46% of deposits are non-interest bearing.

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