# West Coast Community Bancorp (WCCB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $63.31, market value $666 million.

## Valuation
- **P/E (trailing): 11.6×** (5-yr avg 8.6×, 3-yr avg 9.4×). West Coast Community Bancorp trades at 11.6× trailing earnings, well above its own five-year average of 8.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.25**. A PEG of 0.25 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.7×**. Each dollar of revenue is priced at 4.7×.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.4%** (5-yr avg 7.4%). Free cash flow equals 7.4% of the market value, in line with its five-year average of 7.4%. Above 5% is generally attractive.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% of the price is earned each year.

## Profitability
- **Net margin: 36.2%**. 36.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 13.4%**. 13.4% on shareholders' equity is solid.
- **Return on assets: 1.9%**. Each dollar of assets produces 1.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 40.4%** (3-yr 23.0%/yr). Revenue grew 40.4% over the last year.
- **EPS growth (1 yr): 45.1%** (3-yr 9.6%/yr). Earnings per share rose 45.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 98.7%/yr**. Free cash flow has compounded at 98.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $191 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.83%** ($1.42 per share, trailing). West Coast Community Bancorp yields 1.83%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 17%** (18% of free cash flow). 17% of earnings goes out as dividends, leaving room to keep raising it.
- **Shareholder yield: 3.1%**. Dividends plus net buybacks return 3.1% of the market value a year.

## Price and momentum
- **Total return (1 yr): 57.7%** (YTD 46.3%, 3-mo 15.9%). The shares are up 57.7% over twelve months including dividends.
- **From 52-week high: -1.1%** (57.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 80**. An RSI of 80 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.11** (volatility 12%). Beta of 0.11 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WCCB · Page: https://foliofundamentals.com/stocks/wccb

Not investment advice.