Is WABC or WBS more undervalued in 2026?

CirclFi compares Westamerica Bancorporation (WABC) and Webster Financial Corporation (WBS) using 13 institutional-grade valuation models. WABC has a Quality of Company score of 9.4/10 while WBS scores 5.9/10.

Which is a better buy — WABC or WBS?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do WABC and WBS valuations compare?

WABC at $55.35 and WBS at $72.65 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

WABC vs WBS Valuation Comparison 2026 — Intrinsic Value Analysis

WABC

Banks - Regional

Westamerica Bancorporation

Quality

9.4

out of 10

Value Trap

SAFE

Price

$55.35

Last close

Models

12/13

Active

WBS

Banks - Regional

Webster Financial Corporation

Quality

5.9

out of 10

Value Trap

SAFE

Price

$72.65

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	WABC Fair Value	WABC Upside	WBS Fair Value	WBS Upside
Bayesian DCF	Intrinsic	$42.89	-22.5%	$43.58	-40.0%
Earnings Power Value	Intrinsic	$47.68	-13.9%	$63.21	-13.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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WABC vs WBS — Which Stock Is More Undervalued?

WABC scores higher with a 9.4/10 quality rating vs WBS's 5.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Westamerica Bancorporation (WABC) and Webster Financial Corporation (WBS) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

WABC currently trades at $55.35 with a QOC of 9.4/10, while WBS trades at $72.65 with a QOC of 5.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).