Is West Coast Community Bancorp (WCCB) Overvalued?
We dive into why West Coast Community Bancorp (WCCB) could be considered overvalued on 2026-09-21, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
West Coast Community Bancorp operates as the bank holding company for West Coast Community Bank that provides a range of commercial and personal banking services to residents and businesses in the United States. The company offers personal and business checking, savings, money market, health savings, and individual retirement accounts, as well as certificate of deposits; and retirement plans. It also provides business, real estate commercial property and construction, and asset-based lending; agricultural and wine industry lending products; small business administration, 504 loan program, business and industry loans, and farm services agency loans; and lines of credit. In addition, the company offers merchant services, bill payment, treasury management, remote deposit capture, debit and credit cards, merchant gift cards, courier services, lockbox, cash vault, safe deposits box, ATMs and online and mobile banking services. West Coast Community Bancorp was founded in 2004 and is headquartered in Santa Cruz, California.
Commentary & Analysis
What You Need to Know About West Coast Community Bancorp's Q2 Earnings
West Coast Community Bancorp's fiscal Q2 earnings report was released on Tuesday, April 21. Let's dive in to see if (WCCB) missed or beat analyst's expectations.Rosalio Madrigal
Is West Coast Community Bancorp(WCCB) Building Momentum?
With data as of June 24, 2025, we examine if West Coast Community Bancorp(WCCB) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Omar Beirat
Is West Coast Community Bancorp (WCCB) Stock a Good Investment?
Learn more about West Coast Community Bancorp's (WCCB) stock grades for Value, Momentum and Growth and determine whether this Banks stock meets your investment needs.Jenna Brashear
Is West Coast Community Bancorp (WCCB) a Good Dividend Stock?
Learn more about West Coast Community Bancorp's (WCCB) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Jenna Brashear
Financial Summary
| Share Statistics | WCCB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $634.1 | $698.4 | 39% |
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| Shares Out (Mil) | 10.5 | 15.8 | 21% |
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| Institutional Ownership | 39.4% | 84.0% | 16% |
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| Float (Mil) | 9.6 | 21.6 | 19% |
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| Beta | 0.50 | 0.44 | 29% |
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| Avg Daily Volume (000s) | 10 | 50 | 17% |
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| Price Change (52-week) |
51.6% | 93.4% | 83% |
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| Growth | WCCB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 21.3% | 7.7% | 83% |
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| Net Income (5yr) | 23.4% | 11.1% | 78% |
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| EPS (5yr) | 18.2% | 10.0% | 65 |
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| Dividends (5yr) | 41.8% | 3.6% | 84% |
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| Cash Flow (5yr) | 33.8% | (17.1%) | 88% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.350 | $5.375 | $5.640 | |
| Month Ago EPS | $1.350 | $5.375 | $5.640 | |
| # Rev Up | 1 | 1 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.315 | $5.290 | $5.560 | |
| Year/Year Chg | 16.4% | 12.9% | 20.6% | |
| Financials | WCCB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $137 | $189 | 29% |
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| Net Income (TTM) (Mil) | $53 | $54 | 55% |
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| EPS (TTM) | $5.089 | $2.500 | 87% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $8 | $98 | 27% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | WCCB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.59 | 1.24 | 42% |
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| P/E | 12.0 | 12.2 | 26% |
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| Dividend Yield | 1.7% | 2.2% | 73% |
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| PEG (5yr hist) | 0.7 | 1.1 | 33% |
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| Ratios | WCCB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 38.8% | 29.1% | 94% |
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| ROA | 2.2% | 1.1% | 56% |
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| ROE | 16.9% | 11.3% | 74% |
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| Liabilities to Assets | 86.5% | 89.7% | 80% |
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| F-Score | 2 | 4 | 7% |
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Passing Stock Screens
As of 9/22/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
FACTOR STRATEGY
Dividend (High Relative Yield) Screen
Factors: Yield, Value, Growth
Using the dividend-yield approach to invest during volatile markets.
| Performance Since Inception: | 9.1% |
| +/- S&P 500: | +1.6 |
