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West Coast Community Bancorp
(NASDAQ:WCCB)
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Rating:80Outperform
Price Target:
$71.00
â–²(34.98% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial quality—solid growth, high profitability, and very low leverage—supported by a reasonable valuation (P/E ~10.8). Technicals are constructive due to the strong uptrend, but the extremely overbought RSI meaningfully reduces the score due to elevated near-term reversal risk.
Positive Factors
Sustained Revenue Growth
The multi-year revenue uptrend indicates continued expansion in the bank’s lending and deposit franchise rather than reliance on a single period. Sustained growth should support operating leverage, strengthen local-market relevance, and provide a durable base for future earnings.
Negative Factors
Margin Compression
Although profitability remains strong, the decline from earlier peak margins shows that earnings conversion has moderated as revenue has grown. If this trend persists, slower margin expansion could limit profit growth and reduce the benefit of operating scale.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
The multi-year revenue uptrend indicates continued expansion in the bank’s lending and deposit franchise rather than reliance on a single period. Sustained growth should support operating leverage, strengthen local-market relevance, and provide a durable base for future earnings.
Read all positive factors
West Coast Community Bancorp (WCCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$647.02M
Dividend Yield1.53%
Average Volume (3M)44.12K
Price to Earnings (P/E)12.1
Beta (1Y)0.13
Revenue Growth15.83%
EPS Growth38.41%
CountryUS
Employees209
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.09
Shares Outstanding10,513,743
10 Day Avg. Volume69,757
30 Day Avg. Volume44,124
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)1.22
Price to Sales (P/S)2.70
P/FCF Ratio9.38
Enterprise Value/Market Cap0.59
Enterprise Value/Revenue2.13
Enterprise Value/Gross Profit2.78
Enterprise Value/Ebitda5.14
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.35
Revenue Forecast (FY)$148.00M
West Coast Community Bancorp Business Overview & Revenue Model
Company Description
West Coast Community Bancorp functions as the parent organization overseeing West Coast Community Bank, which was formerly recognized as Santa Cruz County Bank. This financial institution offers a comprehensive suite of banking services tailored f...
West Coast Community Bancorp Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
75
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 177.37M | 170.77M | 124.20M | 98.48M | 76.61M | 68.13M |
| Gross Profit | 135.99M | 130.89M | 92.14M | 84.92M | 73.14M | 59.45M |
| EBITDA | 73.66M | 75.87M | 49.49M | 51.50M | 45.17M | 31.64M |
| Net Income | 52.98M | 50.43M | 29.58M | 35.15M | 30.94M | 21.27M |
Balance Sheet | ||||||
| Total Assets | 2.95B | 2.88B | 2.70B | 1.79B | 1.74B | 1.70B |
| Cash, Cash Equivalents and Short-Term Investments | 146.87M | 190.68M | 0.00 | 306.96M | 398.11M | 430.09M |
| Total Debt | 0.00 | 7.79M | 18.77M | 32.50M | 0.00 | 0.00 |
| Total Liabilities | 2.55B | 2.51B | 2.36B | 1.56B | 1.55B | 1.52B |
| Stockholders Equity | 398.49M | 376.83M | 332.98M | 230.04M | 197.68M | 186.09M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 49.18M | 22.44M | 22.84M | 6.27M | -17.84M |
| Operating Cash Flow | 0.00 | 51.85M | 23.38M | 24.11M | 10.01M | -14.84M |
| Investing Cash Flow | 0.00 | -90.58M | 163.46M | -43.05M | -135.37M | -117.77M |
| Financing Cash Flow | 0.00 | 144.75M | -136.02M | 10.19M | 28.63M | 259.50M |
West Coast Community Bancorp Technical Analysis
Positive
52.60
Price Trends
58.35
Positive
55.10
Positive
51.15
Positive
Market Momentum
0.66
Positive
71.05
Negative
71.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WCCB, the sentiment is Positive. The current price of 52.6 is below the 20-day moving average (MA) of 60.78, below the 50-day MA of 58.35, and above the 200-day MA of 51.15, indicating a bullish trend. The MACD of 0.66 indicates Positive momentum. The RSI at 71.05 is Negative, neither overbought nor oversold. The STOCH value of 71.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WCCB.
West Coast Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $647.02M | 12.09 | 13.83% | 1.53% | 15.83% | 38.41% | |
77 Outperform | $439.81M | 10.45 | 15.86% | 2.04% | 24.22% | 39.38% | |
75 Outperform | $439.03M | 6.66 | 15.91% | 3.69% | -20.46% | -308.00% | |
73 Outperform | $708.60M | 11.85 | 10.44% | 1.91% | -2.10% | 110.95% | |
71 Outperform | $286.96M | 12.14 | 11.19% | 2.20% | 1.39% | -1.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $704.32M | 16.33 | 6.56% | 1.85% | 22.77% | -11.24% |
* Financial Sector Average
WCCB
West Coast Community Bancorp
61.54
20.88
51.33%
BMRC
Bank Of Marin Bancorp
27.11
2.38
9.62%
CWBC
Community West Bancshares
25.96
5.05
24.13%
OVLY
Oak Valley Bancorp [Ca]
34.11
7.09
26.23%
PLBC
Plumas Bancorp
63.20
23.18
57.91%
BCAL
California BanCorp
22.04
5.20
30.86%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.