US · WTBA
West Bancorporation, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- West Des Moines, IA 50266
- Website
- westbankstrong.com
Price · as of 2025-12-31
$24.01
Market cap 412.51M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $68.92 | +187.05% |
| Intrinsic Value(DCF) | $18.74 | -21.95% |
| Graham-Dodd Method(GD) | $25.31 | +5.41% |
| Graham Formula(GF) | $16.36 | -31.85% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.69 | $25.80 | $2.45 | $7.96 | $0.00 |
| 2012 | $6.69 | $27.43 | $10.43 | $6.93 | $6.07 |
| 2013 | $9.56 | $32.37 | $12.30 | $6.23 | $7.12 |
| 2014 | $11.39 | $22.97 | $14.53 | $7.67 | $16.89 |
| 2015 | $12.21 | $30.04 | $16.14 | $6.97 | $18.27 |
| 2016 | $15.22 | $35.28 | $17.89 | $7.35 | $21.17 |
| 2017 | $18.47 | $39.47 | $18.30 | $7.47 | $29.57 |
| 2018 | $15.62 | $29.90 | $29.74 | $8.79 | $36.36 |
| 2019 | $15.85 | $37.65 | $22.37 | $9.27 | $40.43 |
| 2020 | $21.22 | $41.60 | $15.79 | $10.95 | $20.36 |
| 2021 | $23.28 | $31.23 | $31.69 | $16.65 | $42.76 |
| 2022 | $16.31 | $33.52 | $32.21 | $11.66 | $62.22 |
| 2023 | $16.15 | $48.08 | $14.53 | $5.68 | $48.90 |
| 2024 | $20.15 | $23.21 | $19.00 | $5.71 | $34.30 |
| 2025 | $24.72 | $68.92 | $23.99 | $25.31 | $16.36 |
AI valuation
Our deep-learning model estimates West Bancorporation, Inc.'s (WTBA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $68.92
- Current price
- $24.01
- AI upside
- +187.05%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$18.74
-21.95% upside
Graham-Dodd
$25.31
+5.41% upside
Graham Formula
$16.36
-31.85% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WTBA | West Bancorporation, Inc. | $24.01 | 412.51M | +187% | -22% | +5% | -32% | 12.86 | 1.57 | 2.11 | 0.76 | 36.53 | 1.57 | 47.99% | 20.87% | 16.40% | 13.19% | -22.55% | 0.80% | 0.40 | 0.40 | — | — | 1.96 | 3521.00% | 33.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 16.22% | 0.76 | — | 0.16 | 0.39 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| BWFG | Bankwell Financial Group,… | $46.70 | 367.88M | -50% | -25% | -38% | -75% | 23.27 | 0.84 | 1.16 | 3.60 | — | 0.85 | 32.90% | 6.81% | 4.99% | 3.64% | 7.74% | 0.30% | 0.59 | 0.12 | 0.12 | 0.12 | -7.84 | -7366.00% | 125.00% | -187.00% | 12.90% | 0.01 | 23.24% | 2.76% | 64.30% | 15.05% | 4.61 | 2.10 | 0.31 | -0.71 |
| CARE | Carter Bankshares, Inc. | $20.84 | 460.29M | +154% | -24% | +23% | -6% | 14.99 | 1.12 | 1.85 | 16.22 | 46.75 | 1.13 | 61.68% | 15.71% | 12.32% | 7.80% | 23.55% | 0.66% | 0.43 | 0.39 | 0.05 | 0.00 | 4.46 | 3208.00% | 624.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 16.22 | — | 2.55 | -0.22 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| GCBC | Greene County Bancorp, In… | $22.07 | 375.78M | +130% | +15% | -13% | +70% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| MVBF | MVB Financial Corp. | $27.00 | 343.49M | +393% | -7% | +36% | +105% | 12.72 | 1.03 | 1.27 | -6.45 | 36.73 | 1.03 | 71.66% | 13.63% | 9.96% | 8.42% | -9.07% | 0.84% | 0.22 | 0.54 | — | — | -4.62 | 3464.00% | 1896.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -6.45 | — | -0.88 | 1.27 |
| SFST | Southern First Bancshares… | $55.84 | 458.8M | -3% | -25% | +16% | -11% | 14.81 | 1.22 | 2.00 | 12.61 | 15.37 | 1.22 | 51.26% | 17.63% | 13.52% | 8.69% | 5.85% | 0.72% | 0.72 | 0.37 | 0.06 | 0.06 | 5.35 | 9634.00% | 529.00% | 2060.00% | 6.64% | 0.01 | 5.75% | 0.00% | 0.00% | 0.00% | 14.12 | 18.71 | 2.49 | -0.47 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
About West Bancorporation, Inc.
West Bancorporation, Inc. operates as the financial holding company for West Bank that provides community banking and trust services to individuals and small- to medium-sized businesses in the United States. It accepts various deposit products, including checking, savings, and money market accounts, as well as time certificates of deposit. The company 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, it offers trust services, including the administration of estates, conservatorships, personal trusts, and agency accounts. Further, the company provides internet and mobile banking services; treasury management services comprising cash management, client-generated automated clearing house transaction, remote deposit, and fraud protection services; and merchant credit card processing services and corporate credit cards. It has seven offices in the Des Moines area; one office in Coralville and Iowa; and one office each in Rochester, Owatonna, Mankato, and St. Cloud, Minnesota. West Bancorporation, Inc. was founded in 1893 and is headquartered in West Des Moines, Iowa.
- CEO
- David D. Nelson
- Employees
- 180
- Beta
- 0.83
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($18.74 ÷ $24.01) − 1 = -21.95% (DCF, example).