WinstonWınston
Back
West Bancorporation logo

West Bancorporation

WTBA
74
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
74
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Strong
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Strong
Dividends
Mixed
Track this stock — start free trial

Winston Score History

The full picture

West Bancorporation is the parent company of West Bank, a community bank based in Iowa. It offers everyday banking services like checking and savings accounts, loans, and treasury management to small and mid-sized businesses, real estate developers, and individual customers. The bank operates primarily in the Des Moines, Iowa area, with a small number of additional locations in Minnesota.

West Bancorporation makes money mainly through net interest income — the difference between what it earns on loans and what it pays on deposits. It is a small regional bank with a market cap around $400 million, and its competitive edge comes from deep local relationships and a focus on commercial real estate and business lending rather than mass-market retail banking. The main risk the company faces is interest rate sensitivity, since rising or falling rates can quickly squeeze the gap between its lending income and deposit costs, putting pressure on profitability.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+38.3% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

10.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$478M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

West Bancorporation is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
12.9%
no trend
Strong — 12.9% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
2.71%
no trend
Modest — 2.71% net interest margin
Cost of running the bank
Efficiency Ratio
46.7%
no trend
Very lean — spends 46.7¢ to earn a dollar

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth
Sales YoY
+0.4%
Nearly flat sales (+0.4% YoY)
Profit growth
EPS YoY
+32.2%
Earnings growing fast (+32.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Safety cushion
Capital Ratio
12.6%
no trend
Fortress balance sheet — 12.6% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.00%
no trend
Clean loan book — 0.00% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.00%
no trend
Minimal losses — 0.00% net charge-offs

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit
P/E Ratio (TTM)
12.6x
no trend
Attractive valuation — P/E 12.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.0
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend
Dividend Yield
3.36%
no trend
Moderate income — 3.36% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+1.0%
no trend
Dividend flat

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial