West Coast Community Bancorp (WCCB) Stock Score, Valuation & Financial Research
West Coast Community Bancorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 67/100.
Quick answer for WCCB
West Coast Community Bancorp currently has a Wall Street Score of 67/100. The stored market price is $59.5. Its financial score is 57/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What West Coast Community Bancorp does
West Coast Community Bancorp functions as the parent organization overseeing West Coast Community Bank, which was formerly recognized as Santa Cruz County Bank. This financial institution offers a comprehensive suite of banking services tailored for both businesses and individual customers. Its diverse product range includes various lending options such as corporate loans, revolving lines of credit, commercial real estate mortgages, construction development financing, and agricultural credit. Additionally, the bank facilitates government-backed loans through SBA and USDA programs, along with asset-based financing. Beyond credit solutions, clients can access services like credit cards, merchant processing, digital check deposit capabilities (remote deposit capture), convenient mobile and online banking platforms, bill payment options, and advanced treasury management tools.
WCCB financial snapshot
- Wall Street Score:
- 67/100
- Current price:
- $59.5
- Market capitalization:
- $625.6M
- Revenue:
- $177.4M
- Net income:
- $53.0M
- Free cash flow:
- $49.2M
- Cash:
- $146.9M
- Total debt:
- $7.8M
- EPS:
- 5.09
- P/E ratio:
- 11.7x
- Financial score:
- 57/100
- Valuation score:
- 97/100
- Revenue score:
- 47/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $49.2M, showing positive cash generation.
- The balance sheet shows $146.9M of cash versus $7.8M of total debt, leaving more cash than debt.
Questions worth answering for WCCB
These questions are derived from the company's current stored financial and score data so the page adds company-specific research context instead of treating the headline score as a stand-alone conclusion.
- Can WCCB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- Is WCCB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- How is WCCB likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- Is WCCB's valuation discount tied to a temporary concern or to a longer-term business risk?
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 57/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
Research-input completeness: 100% of the scoring inputs required for this public page are currently available.
How to research WCCB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.