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WTBA

West BancorporationC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print showed improving profitability, a 16.06% first-half annualized ROE, expanding NIM, pristine reported credit quality, and a record dividend. Repricing activity could support earnings into 2027.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-29 · BMO.
What can break
Loan payoffs and cautious commercial real-estate activity may keep balance-sheet growth weak.
Momentum
75
Value
50
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $28.50 · Bull $31.00 · Bear $23.50Analysis 2026-07-28; returns require an exact persisted reference.
Earnings
2026-10-29 · BMO
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $29.00
Why
Momentum75 · Δ7d -3.2
Value50 · Δ7d -0.8
Sentiment48 · Δ7d -3.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-29 · BMO.
  • • Value remains the lead driver in the composite, 7D delta -0.8.

Contradictions & invalidation

  • • Loan payoffs and cautious commercial real-estate activity may keep balance-sheet growth weak.
  • • Low coverage and limited peer data reduce confidence in valuation and forward estimates.
  • • Deposit competition, loan payoffs, and declining commercial real-estate development lending limit growth visibility.

Catalyst clock

2026-10-29 · BMO

Strong Q2 earnings and record dividend

Lead driver: Value · See fundamentals
Momentum
75
8% active weight
Current posture
7d trendSoftening
Δ7d
-3.2
Δ21d
-2.2
Value
50
47% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-0.6
Sentiment
48
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.9
Δ21d
-9.0
Why this grade

Composite grade C. Momentum 75.1 / Value 49.5 / Sentiment 47.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
20%
Probability
Target price
$31.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$28.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$23.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$519.83M
Beta
0.84
Shares Out
17.04M
P/E (TTM)
11.7
P/S (TTM)
4.06
P/FCF (TTM)
16.30
Rev YoY
+1.4%
EPS YoY
+37.2%
Gross Margin
-
Op Margin
+24.3%
Net Debt
$355.38M
Current Ratio
0.33
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data