West Coast Community Bancorp (WCCB) Fair Value & Analysis

Financial Services · US · Market cap $520M

Below-average quality, screening 50% undervalued on our models.

What matters now

• The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case ($61.23). The market is more pessimistic than our downside scenario.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $19.61 – $55.00 · fair‑value band $61.23 – $102.06 · the $54.60 price screens below the $81.65 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

West Coast Community Bancorp (WCCB) currently trades at $54.60, while our model-based Fair Value estimate is $81.65, implying the stock looks roughly 49.5% undervalued today. The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, West Coast Community Bancorp generated revenue of $137M at a net margin of 39.1%. Revenue grew 16.2% year over year. It earns a return on equity of 14.9%. The balance sheet holds a net cash position of $73.2M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $61.23 (bear case) to $102.06 (bull case); at $54.60, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 50%, WCCB screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($81.65) versus Dividend Discount ($10.54). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.