West Coast Community Bancorp (WCCB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of West Coast Community Bancorp stock $34.82, price $62.08, that is 43.9% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $19.61 – $63.46 · fair‑value band $28.43 – $51.48 · the $62.08 price screens above the $34.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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West Coast Community Bancorp operates as the bank holding company for Santa Cruz County Bank that provides a range of commercial and personal banking services to residents and businesses in the United States.
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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; 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, and online and mobile banking services. West Coast Community Bancorp was founded in 2004 and is headquartered in Santa Cruz, California.
Stock analysis
West Coast Community Bancorp (WCCB) currently trades at $62.08, while our model-based Fair Value estimate is $34.82, 44% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $51.96 per share, and 1 of the 6 models we run sit above the $62.08 price.
Bear case: the Dividend Discount group reads lowest at $12.81, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $28.43 (bear) to $51.48 (bull), the price of $62.08 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
West Coast Community Bancorp reported revenue of $139M in FY2025 versus $68.1M in FY2021, a compound +19.6%/yr. Reported net income was $50.4M in FY2025, compounding +24.1%/yr from FY2021.
Key figures
Market cap $651M Small · P/E ratio 12.3 · P/S ratio 4.76 · EPS (TTM) $5.04 · Dividend yield 2.2% · Net margin 38.8% · Return on equity 14.0% · Return on assets (EBIT) 2.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (medium confidence).
What moves the price
The share trades about 2% below its 52-week high and 54% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −44%, WCCB screens richer than that median.
Fair Value models
Bear$28.43Fair Value $34.82Bull$51.48
Price $62.08 · Downside -43.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.15 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income$33.45$40.96$60.5675
Gordon GGM$7.02$13.65$20.1567
DDM Multi-Stage$7.02$11.96$14.4567
All 6 models by family
Dividend Discount
Gordon GGM$7.02$13.65$20.1567
DDM Multi-Stage$7.02$11.96$14.4567
Multiples
P/E Multiple$46.72$62.29$77.8763
P/B Multiple$31.22$41.63$52.0355
Asset-Based
NCAV (Graham)$14.87$19.92$29.7354
Economic Profit
Residual Income$33.45$40.96$60.5675
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+12.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.0%
Start year 2020 (pandemic). Over 10 years: +20.0% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+20.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.5%
Dividend (yield on the price)2.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.18.5% vs 16.7%, steady
Profit margin 2017 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.49% → 40%
News mood ⓘNews mood, the average tone of recent news (12 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare West Coast Community Bancorp with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−43.9% · Bottom 25%
Profitability
Return on equity (12 months)14.0% · Top 25%
Return on assets1.8% · Top 25%
Net margin (12 months)38.8% · Top 25%
Operating margin (12 months)55.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−2.3% · Bottom 25%
Dividend yield (12 months)2.2% · Below median
Balance sheet
Debt / equity0.02× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)12.3× · Pricier than median
P/B1.73× · Priciest 25%
P/S (12 months)4.76× · Priciest 25%
Price / free cash flow (fiscal year)13.2× · Pricier than median
EV/EBITDA9.5× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)56· sector 43
HEALTH (low debt)–
DIVIDEND (yield)43· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "West Coast Community Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/WCCB
Frequently asked questions
Is West Coast Community Bancorp (WCCB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $34.82 versus a price of $62.08, about 44% lower (overvalued).
What is the fair value of WCCB?
Our model-based fair value for West Coast Community Bancorp is $34.82 (as of Nov 7, 2026), built from audited fundamentals. The current price: $62.08.
What is the quality score of WCCB?
West Coast Community Bancorp has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for West Coast Community Bancorp (WCCB)?
Our model-based price target is the fair value of $34.82 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $28.43, optimistic scenario $51.48. It is a calculation from audited fundamentals, not an analyst target.
What is the West Coast Community Bancorp stock forecast for 2026?
Our models put fair value at $34.82, about 44% lower versus a price of $62.08 (overvalued). Cautious scenario $28.43, optimistic scenario $51.48. The calculation is refreshed regularly with new filings.
What is the revenue of West Coast Community Bancorp (WCCB)?
West Coast Community Bancorp reported trailing-twelve-month revenue of about $137M (latest available figure, as of Nov 7, 2026).
Does West Coast Community Bancorp pay a dividend?
West Coast Community Bancorp currently shows a dividend yield of 2.17% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of West Coast Community Bancorp (WCCB) and when is the ex-dividend date?
West Coast Community Bancorp pays a dividend of $1.35 per share a year, a dividend yield of 2.2%. The last ex-dividend date was Nov 2, 2026. A dividend has been paid every year since at least 2013. The payout ratio is 26.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of West Coast Community Bancorp (WCCB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For West Coast Community Bancorp it is $34.82 per share (as of Nov 7, 2026), against a price of $62.08. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is West Coast Community Bancorp stock overvalued or undervalued in 2026?
As of Nov 7, 2026, WCCB trades above its calculated fair value: price $62.08, fair value $34.82, a gap of about −44% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WCCB?
No. The price is what the market pays today ($62.08); the fair value is what the company's own numbers justify ($34.82). For West Coast Community Bancorp the two are $27.26 per share apart. That gap is exactly why we show both numbers side by side.
How much is West Coast Community Bancorp worth?
The market values West Coast Community Bancorp at about $651M (market capitalisation, as of Nov 7, 2026). Per share that is $62.08; our models calculate a fair value of $34.82 per share.
What do the bullish and bearish scenarios say about WCCB?
Our models span a range for West Coast Community Bancorp: cautious scenario $28.43, base $34.82, optimistic $51.48 per share (as of Nov 7, 2026, price $62.08). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WCCB?
West Coast Community Bancorp trades at a price-to-earnings ratio of 12.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $34.82 is built from several models across several years. Other multiples: P/B 1.7, P/S 4.8, EV/EBITDA 9.5.
How solid is the balance sheet of West Coast Community Bancorp (WCCB)?
Balance-sheet figures for West Coast Community Bancorp (as of Nov 7, 2026): return on equity 14.0%, debt of 0.02 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is WCCB from its 52-week high?
West Coast Community Bancorp trades at $62.08, about 2% below its 52-week high of $63.46 and 54% above the low of $40.23 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $34.82 is for.
Which stocks are comparable to West Coast Community Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is West Coast Community Bancorp stock attractive at the current price?
The data as of Nov 7, 2026: price $62.08, calculated fair value $34.82 (−44%), Quality Score 38/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WCCB calculated?
We run West Coast Community Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $34.82 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. West Coast Community Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of West Coast Community Bancorp (WCCB)?
The closing price on Nov 6, 2026 was $62.08. Our model-based fair value is $34.82, about 44% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with West Coast Community Bancorp right now?
The price sits above even our optimistic bull case ($51.48). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($28.43 to $51.48) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of West Coast Community Bancorp (WCCB) come from?
Earnings per share at West Coast Community Bancorp grew +17.7 % a year from 2013 to 2024. Broken into its drivers: revenue per share +12.0 %, EBIT margin +3.5 %, tax rate +1.4 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of West Coast Community Bancorp
How large is the market capitalisation of West Coast Community Bancorp (WCCB)?
The market capitalisation of West Coast Community Bancorp is $651M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of West Coast Community Bancorp (WCCB)?
The price-to-sales ratio of West Coast Community Bancorp is 4.76 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of West Coast Community Bancorp (WCCB)?
Earnings per share at West Coast Community Bancorp are $5.04 (price ÷ EPS = P/E 12.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of West Coast Community Bancorp (WCCB)?
The dividend yield of West Coast Community Bancorp is 2.2% (payout 26.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of West Coast Community Bancorp (WCCB)?
The net margin of West Coast Community Bancorp is 38.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of West Coast Community Bancorp (WCCB)?
The return on equity (ROE) of West Coast Community Bancorp is 14.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of West Coast Community Bancorp (WCCB)?
On an EBIT basis the return on assets of West Coast Community Bancorp is 2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of West Coast Community Bancorp (WCCB)?
The operating margin of West Coast Community Bancorp is 55.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at West Coast Community Bancorp (WCCB)?
Revenue at West Coast Community Bancorp is growing −2.3% versus a year earlier (3y avg +22.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at West Coast Community Bancorp (WCCB)?
Earnings per share at West Coast Community Bancorp are growing −4.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does West Coast Community Bancorp (WCCB) generate?
The free cash flow of West Coast Community Bancorp is $49.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does West Coast Community Bancorp (WCCB) hold?
West Coast Community Bancorp holds more cash than debt, $73.2M net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 7, 2026