Westamerica Bancorporation (WABC) — Defensive Interval Ratio
Westamerica Bancorporation (WABC) has a Defensive Interval Ratio of 307 days as of December 2025. Defensive assets of $4.18 Billion (cash $-, short-term investments $3.47 Billion, receivables $714.91 Million) cover 307 days of daily cash needs of $13.64 Million/day. See working capital position of Westamerica Bancorporation to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Westamerica Bancorporation Defensive Interval Ratio (1989–2025)
This chart shows how Westamerica Bancorporation's Defensive Interval Ratio has evolved across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at 307 days, meaning defensive assets of $4.18 Billion can fund 307 days of operations without new revenue. See WABC equity financing ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Westamerica Bancorporation (1989–2025)
The table below presents the year-by-year Defensive Interval Ratio for Westamerica Bancorporation from 1989 to 2025, covering 37 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Westamerica Bancorporation stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 307 days | $4.18 Billion | $13.64 Million/day | $- | $3.47 Billion | ▲ +208 days |
| 2024 | 98 days | $1.38 Billion | $14.06 Million/day | $- | $1.34 Billion | ▼ -169 days |
| 2023 | 267 days | $4.05 Billion | $15.16 Million/day | $- | $4.00 Billion | ▲ +13 days |
| 2022 | 255 days | $4.39 Billion | $17.21 Million/day | $- | $4.33 Billion | ▼ -5 days |
| 2021 | 260 days | $4.67 Billion | $17.97 Million/day | $- | $4.64 Billion | ▲ +2 days |
| 2020 | 258 days | $4.10 Billion | $15.86 Million/day | $- | $4.06 Billion | ▲ +26 days |
| 2019 | 233 days | $3.11 Billion | $13.35 Million/day | $- | $3.08 Billion | ▲ +36 days |
| 2018 | 197 days | $2.68 Billion | $13.61 Million/day | $- | $2.65 Billion | ▲ +33 days |
| 2017 | 164 days | $2.22 Billion | $13.55 Million/day | $- | $2.19 Billion | ▲ +19 days |
| 2016 | 145 days | $1.91 Billion | $13.21 Million/day | $- | $1.89 Billion | ▲ +20 days |
| 2015 | 125 days | $1.59 Billion | $12.73 Million/day | $- | $1.57 Billion | ▼ -6 days |
| 2014 | 131 days | $1.62 Billion | $12.41 Million/day | $- | $1.60 Billion | ▲ +37 days |
| 2013 | 94 days | $1.10 Billion | $11.78 Million/day | $- | $1.08 Billion | ▲ +21 days |
| 2012 | 73 days | $859.76 Million | $11.81 Million/day | $- | $825.64 Million | ▲ +16 days |
| 2011 | 57 days | $702.13 Million | $12.30 Million/day | $- | $638.75 Million | ▲ +38 days |
| 2010 | 19 days | $225.32 Million | $11.62 Million/day | $- | $-392.00K | ▼ -2 days |
| 2009 | 22 days | $256.47 Million | $11.75 Million/day | $- | $442.00K | ▼ -23 days |
| 2008 | 45 days | $438.67 Million | $9.73 Million/day | $- | $288.45 Million | ▲ +31 days |
| 2007 | 14 days | $151.47 Million | $11.13 Million/day | $- | $333.00K | ▲ +0 days |
| 2006 | 13 days | $153.24 Million | $11.64 Million/day | $- | $567.00K | ▼ -51 days |
| 2005 | 64 days | $812.87 Million | $12.66 Million/day | $- | $662.39 Million | ▼ -26 days |
| 2004 | 90 days | $1.07 Billion | $11.83 Million/day | $- | $931.71 Million | ▼ -49 days |
| 2003 | 139 days | $1.55 Billion | $11.11 Million/day | $- | $1.41 Billion | ▲ +35 days |
| 2002 | 104 days | $1.08 Billion | $10.45 Million/day | $- | $947.85 Million | ▲ +92 days |
| 2001 | 12 days | $117.93 Million | $9.72 Million/day | $- | $534.00K | ▼ 0 days |
| 2000 | 12 days | $121.46 Million | $9.93 Million/day | $- | $250.00K | ▲ +2 days |
| 1999 | 10 days | $101.20 Million | $9.66 Million/day | $- | $- | ▼ -1 days |
| 1998 | 11 days | $102.80 Million | $9.30 Million/day | $- | $- | ▲ +1 days |
| 1997 | 10 days | $96.10 Million | $9.16 Million/day | $- | $- | ▲ +22 days |
| 1996 | -12 days | $-112.50 Million | $9.75 Million/day | $- | $-205.80 Million | ▼ -21 days |
| 1995 | 10 days | $60.60 Million | $6.10 Million/day | $- | $- | ▼ 0 days |
| 1994 | 10 days | $51.40 Million | $4.99 Million/day | $- | $- | ▲ +2 days |
| 1993 | 8 days | $41.70 Million | $4.93 Million/day | $- | $- | ▲ +0 days |
| 1992 | 8 days | $27.90 Million | $3.43 Million/day | $- | $- | ▲ +1 days |
| 1991 | 7 days | $22.10 Million | $3.32 Million/day | $- | $- | ▼ -1 days |
| 1990 | 7 days | $25.20 Million | $3.38 Million/day | $- | $- | ▼ -2 days |
| 1989 | 9 days | $32.30 Million | $3.48 Million/day | $- | $- | — |