West Coast Community Bancorp (WCCB) AI Stock Analysis

• Market Cap: $434.41M
• Dividend Yield: 1.48%
• Average Volume (3M): 7.61K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.19
• Revenue Growth: 59.68%
• EPS Growth: -6.50%
• Country: US
• Employees: 149
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.15
• Shares Outstanding: 10,587,573
• 10 Day Avg. Volume: 6,628
• 30 Day Avg. Volume: 7,614
• PEG Ratio: -0.60
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 2.99
• P/FCF Ratio: 16.56
• Enterprise Value/Market Cap: 0.90
• Enterprise Value/Revenue: 2.54
• Enterprise Value/Gross Profit: 3.41
• Enterprise Value/Ebitda: 7.38
• 1Y Price Target: $50.00
• Price Target Upside: 21.86% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: ―

SCZC demonstrates strong financial health with excellent profitability and prudent management. Valuation metrics indicate the stock is reasonably priced with an attractive P/E ratio and dividend yield. However, technical indicators suggest caution due to potential overbought conditions. The absence of recent earnings call data or corporate events means the score is primarily driven by financial performance and valuation.

West Coast Community Bancorp Business Overview & Revenue Model

Company Description

West Coast Community Bancorp is the holding company for West Coast Community Bank, formerly known as Santa Cruz County Bank. The bank provides a range of commercial and personal banking services, including business loans, lines of credit, commercial real estate financing, construction lending, agricultural loans, SBA and USDA government-guaranteed loans, asset-based lending, credit cards, merchant services, remote deposit capture, mobile and online banking, bill payment, and treasury management.

How the Company Makes Money

West Coast Community Bancorp generates revenue primarily through the interest income it earns on loans and other financial products. Additionally, the company earns non-interest income from fees and charges associated with account maintenance, transaction processing, and other banking services. Key revenue streams include mortgages, personal and business loans, credit lines, and investment services. The bank may also engage in partnerships with financial technology firms to enhance its service offerings and appeal to a broader customer base, contributing to its overall earnings.

West Coast Community Bancorp Financial Statement Overview

Summary

West Coast Community Bancorp exhibits strong financial performance with excellent profitability and prudent balance sheet management. Revenue and profit margins are robust, with a significant increase in free cash flow. However, the decline in cash reserves and reliance on financing activities in the past are areas for potential improvement.

Income Statement

West Coast Community Bancorp has demonstrated strong revenue and profit growth over the years. The revenue growth rate from 2022 to 2023 is approximately 13.6%, with both EBIT and EBITDA margins showing impressive performance at 66.7% and 60.6%, respectively. The net profit margin is high at 41.4% in 2023, indicating efficient cost management and strong profitability. These metrics reflect robust financial health and competitive positioning in the banking sector.

Balance Sheet

The company's balance sheet shows a strong equity position with an equity ratio of 12.8% in 2023. The debt-to-equity ratio remains low at 0.14, indicating limited leverage and a conservative financial structure. Return on equity stands at 15.3%, showcasing effective utilization of equity to generate earnings. However, the decline in cash and short-term investments from 2022 to 2023 is a point of concern.

Cash Flow

The company has improved its free cash flow significantly, with a growth rate of 264% from 2022 to 2023. The operating cash flow to net income ratio is 0.69, suggesting a healthy conversion of net income into cash. Despite these positive indicators, the reliance on financing activities for cash flow in previous years suggests a need for closer monitoring of operational cash generation stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	153.19M	124.20M	84.92M	76.61M	68.13M	55.91M
Gross Profit	114.08M	92.14M	84.92M	73.14M	59.45M	50.38M
EBITDA	52.77M	49.49M	51.50M	45.17M	31.64M	26.12M
Net Income	36.63M	29.58M	35.15M	30.94M	21.27M	17.55M
Balance Sheet
Total Assets	2.65B	2.70B	1.79B	1.74B	1.70B	1.42B
Cash, Cash Equivalents and Short-Term Investments	399.44M	0.00	306.96M	398.11M	430.09M	117.61M
Total Debt	15.10M	18.77M	36.92M	4.81M	5.05M	40.36M
Total Liabilities	2.29B	2.36B	1.56B	1.55B	1.52B	1.25B
Stockholders Equity	356.92M	332.98M	230.04M	197.68M	186.09M	168.49M
Cash Flow
Free Cash Flow	0.00	22.44M	22.84M	6.27M	-17.84M	-4.18M
Operating Cash Flow	0.00	23.38M	24.11M	10.01M	-14.84M	-648.00K
Investing Cash Flow	0.00	163.46M	-43.05M	-135.37M	-117.77M	-366.52M
Financing Cash Flow	0.00	-136.02M	10.19M	28.63M	259.50M	329.67M

West Coast Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 41.03
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WCCB, the sentiment is Negative. The current price of 41.03 is below the 20-day moving average (MA) of 41.57, below the 50-day MA of 41.16, and above the 200-day MA of 39.88, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 43.27 is Neutral, neither overbought nor oversold. The STOCH value of 59.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WCCB.

West Coast Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BSVN	―	$392.31M	9.15	19.46%	2.38%	-6.72%	19.64%
RRBI	―	$431.64M	11.26	12.03%	0.73%	7.81%	26.91%
WCCB	―	$434.41M	10.75	12.15%	1.48%	59.68%	-6.50%
HBCP	―	$415.89M	9.45	10.86%	2.05%	6.25%	24.92%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	―	$430.03M	21.10	6.16%	3.91%	50.36%	-56.64%
CARE	―	$387.20M	12.57	7.73%	―	6.62%	117.96%