To ensure this doesn’t happen in the future, please enable Javascript and cookies in your browser.If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh. ...

West Bancorp (WTBA) could be a solid addition to your portfolio given a notable revision in the company's earnings estimates. While the stock has been gaining lately, the trend might continue since its earnings outlook is still improving.The rising trend in estimate revisions, which is a result of growing analyst optimism on the earnings prospects of this holding company for West Bank, should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in earning ...

Investors might want to bet on West Bancorp (WTBA) , as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the sys ...

West Bancorporation (NasdaqGS:WTBA) Q4 2025 Earnings call January 29, 2026 03:00 PM ET Company ParticipantsBrad Peters - Minnesota Group PresidentBrad Winterbottom - Bank PresidentDave Nelson - CEOHarlee Olafson - Chief Risk OfficerJane Funk - CFOTodd Mather - Chief Credit OfficerConference Call ParticipantsNathan James Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I'll be your conference operator today. At this time, I'd l ...

Financial Data and Key Metrics Changes - Net income for Q4 2025 was $7.4 million, compared to $9.3 million in Q3 2025 and $7.1 million in Q4 2024, while net income for the full year 2025 was $32.6 million, up from $24.1 million in 2024, representing a 35% increase year-over-year [14] - The company executed a securities loss trade, selling $64 million of securities available for sale, resulting in a pre-tax net loss of $4 million, but this transaction is expected to improve the long-term earnings profile [14] - Net interest income improved, with the net interest margin increasing by 11 basis points compared to Q3 and 49 basis points compared to Q4 last year [15] Business Line Data and Key Metrics Changes - Loan outstandings were slightly down at just under $3 billion due to larger payoffs from asset sales and refinance activity, but new quality assets were added at better interest rates [9] - Deposit balances increased by over $162 million during the quarter, with growth in core, commercial, and retail deposits [9] Market Data and Key Metrics Changes - The watch list for loans increased but remains low at 1.7% of total loans, with 70% of the watch list related to the trucking industry, which is currently facing challenges [7] - The commercial real estate portfolio continues to perform well, indicating a diversified and secure asset base [7] Company Strategy and Development Direction - The company is focused on strong underwriting and maintaining customer relationships, which are seen as key to sustaining credit quality [8] - There is an emphasis on attracting new business opportunities, particularly in the Minnesota region, leveraging community relationships and M&A activity from competitors [10][11] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's position for growth in 2026, anticipating an increase in loan growth as economic expansion begins [4] - The outlook for deposits is uncertain due to potential volatility from public funds, but there is an expectation of continued mid-single-digit growth in loans and deposits [26] Other Important Information - A dividend of $0.25 was declared, payable on February 25th to shareholders of record as of February 11th [4] Q&A Session Summary Question: Loan growth dynamics and pipeline outlook - The company experienced elevated payoffs, including a specific customer selling medical office buildings for over $50 million, and anticipates more activity in the first quarter [21] Question: Update on loans repricing and yield pickup - Approximately $400 million in fixed-rate loans are set to reprice in 2026, with an expected yield pickup of around 1.5%-2% [25] Question: Deposit growth and seasonality - Deposit growth was pronounced, but future growth may be offset by public fund volatility due to bond offerings [26] Question: Securities portfolio repositioning - The company regularly evaluates its securities portfolio and does not have set goals for 2026 but will continue to assess opportunities [28] Question: Margin starting point and deposit costs - The current margin is around 2.5%, with expectations for improvement throughout the year without changes in the rate environment [30]

West Bancorporation (NasdaqGS:WTBA) Q4 2025 Earnings call January 29, 2026 03:00 PM ET Company ParticipantsBrad Peters - Minnesota Group PresidentBrad Winterbottom - Bank PresidentDave Nelson - CEOHarlee Olafson - Chief Risk OfficerJane Funk - CFOTodd Mather - Chief Credit OfficerConference Call ParticipantsNathan James Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I'll be your conference operator today. At this time, I'd l ...

West Bancorporation (NasdaqGS:WTBA) Q4 2025 Earnings call January 29, 2026 03:00 PM ET Company ParticipantsBrad Peters - Minnesota Group PresidentBrad Winterbottom - PresidentDave Nelson - CEOHarlee Olafson - Chief Risk OfficerJane Funk - CFOTodd Mather - Chief Credit OfficerConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I'll be your conference operator today. At this time, I'd like to welc ...

Financial Data and Key Metrics Changes - Net income for Q4 2025 was $7.4 million, compared to $9.3 million in Q3 2025 and $7.1 million in Q4 2024, while net income for the full year 2025 was $32.6 million, up from $24.1 million in 2024, representing a 35% increase year-over-year [4][14] - The company executed a securities loss trade, realizing a pre-tax net loss of $4 million from the sale of $64 million in securities available for sale, which is expected to improve the balance sheet flexibility [4][14] - Net interest margin increased by 11 basis points from Q3 and 49 basis points from Q4 last year, while the cost of deposits declined by 28 basis points from Q3 and 64 basis points from Q4 last year [15] Business Line Data and Key Metrics Changes - Loan outstandings were slightly down at just under $3 billion due to larger payoffs from asset sales and refinancing activity, with a focus on replacing those assets with quality new assets at better interest rates [8][9] - Core deposit balances, excluding brokered funds, increased approximately $212 million in Q4 and $223 million for the year, with growth seen across retail, commercial, and public fund deposits [15] Market Data and Key Metrics Changes - The watch list for loans increased but remains low at 1.7% of total loans, with 70% of the watch list related to the trucking industry, which is currently facing challenges [6] - The company is experiencing strong credit quality with no past dues over 30 days, no nonaccruals, and no substandard loans [6] Company Strategy and Development Direction - The company is focused on maintaining strong customer relationships and is actively pursuing new business opportunities, particularly in the wake of recent M&A activity in the market [12][13] - The strategy includes targeting high-quality retail deposits and business banking opportunities, leveraging community relationships to grow the business [12][13] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for 2026, anticipating loan growth to pick up with economic expansion and a strong position for growth [4] - The outlook for deposits is uncertain due to potential volatility from public funds, but the company aims for continued mid-single-digit growth in loans and deposits [26] Other Important Information - The company declared a $0.25 dividend payable on February 25, 2026, to shareholders of record as of February 11, 2026 [4] Q&A Session Summary Question: Can you walk us through some of the loan growth dynamics in the quarter? - The company experienced elevated payoffs, including a specific customer selling medical office buildings for over $50 million, with expectations for continued activity in the first quarter [20][21] Question: Can you update us on the amount of loans repricing over the balance of this year? - Approximately $400 million in fixed-rate loans are set to reprice in 2026, with an expected yield pickup of around 1.5%-2% [24] Question: Are you expecting continued mid-single-digit growth in loans and deposits this year? - The outlook for deposits is uncertain due to public funds volatility, but growth in retail and commercial deposits is anticipated [26] Question: What is the potential for additional securities portfolio repositionings in 2026? - The company will continue to evaluate its liquidity and cash needs for potential repositionings, with no set goals for 2026 [28] Question: What is the starting point for the margin given the recent repositioning? - The current margin is around 2.5%, with expectations for improvement throughout the year [30]

West Bancorporation (NasdaqGS:WTBA) Q4 2025 Earnings call January 29, 2026 03:00 PM ET Speaker6Ladies and gentlemen, thank you for standing by. My name is Colby, and I'll be your conference operator today. At this time, I'd like to welcome you to the West Bancorporation, Inc., Q4 2025 earnings conference call. All lines have been placed on mute to prevent any background noise, and after the speaker's remarks, there will be a question-and-answer session. If you'd like to ask a question at that time, please p ...

分组1 - West Bancorp reported quarterly earnings of $0.61 per share, exceeding the Zacks Consensus Estimate of $0.57 per share, and up from $0.42 per share a year ago, representing an earnings surprise of +7.02% [1] - The company achieved revenues of $27.27 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 2.53%, compared to year-ago revenues of $22.02 million [2] - West Bancorp has consistently surpassed consensus EPS estimates for the last four quarters [2] 分组2 - The stock has added about 0.6% since the beginning of the year, while the S&P 500 has gained 1.9% [3] - The current consensus EPS estimate for the coming quarter is $0.55 on revenues of $26.5 million, and for the current fiscal year, it is $2.40 on revenues of $112.2 million [7] - The Financial - Savings and Loan industry, to which West Bancorp belongs, is currently in the top 15% of Zacks industries, indicating a favorable outlook [8]