WCCB
Company Description
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.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 170.77M | 124.20M | 98.48M | 76.61M | 68.13M | 55.91M | 40.82M | 33.83M | 29.63M | 26.08M | 23.04M | 20.98M |
| Net Income | 50.43M | 29.58M | 35.15M | 30.94M | 21.27M | 17.55M | 12.28M | 11.38M | 6.76M | 6.49M | 5.43M | 4.37M |
| EPS | 4.81 | 3.32 | 4.19 | 3.63 | 2.50 | 2.07 | 2.05 | 2.13 | 1.27 | 1.23 | 1.05 | 0.85 |
| Free Cash Flow | 49.18M | 22.44M | 22.84M | 6.27M | (17.84M) | (4.18M) | 14.48M | 6.51M | (4.83M) | 117,075 | (4.54M) | (4.92M) |
| FCF / Share | 4.69 | 2.52 | 2.72 | 0.74 | -2.10 | -0.49 | 2.42 | 1.22 | -0.91 | 0.02 | -0.87 | -0.95 |
| Operating CF | 51.85M | 23.38M | 24.11M | 10.01M | (14.84M) | (648,000) | 14.91M | 11.51M | (4.42M) | 464,501 | (4.46M) | (4.64M) |
| Total Assets | 2.88B | 2.70B | 1.79B | 1.74B | 1.70B | 1.42B | 1.08B | 662.41M | 629.96M | 588.23M | 513.34M | 459.79M |
| Total Debt | 7.79M | 18.77M | 32.50M | 0 | 0 | 40.36M | 5.69M | 0 | 0 | 0 | 0 | 0 |
| Cash & Equiv | 190.78M | 84.76M | 44.40M | 77.38M | 157.29M | 67.77M | 48.23M | 106.76M | 100.84M | 108.64M | 95.00M | 77.10M |
| Book Value | 376.83M | 332.98M | 230.04M | 197.68M | 186.09M | 168.49M | 151.10M | 68.52M | 57.28M | 50.72M | 44.10M | 38.63M |
| Return on Equity | 0.13 | 0.09 | 0.15 | 0.16 | 0.11 | 0.10 | 0.08 | 0.17 | 0.12 | 0.13 | 0.12 | 0.11 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 44.07M | 44.55M | 44.58M | 44.17M | 42.20M | 40.81M | 43.05M | 27.13M | 26.82M | 26.69M | 26.14M | 25.54M |
| Net Income | 12.16M | 14.99M | 13.77M | 12.06M | 12.92M | 11.68M | 3.84M | 8.20M | 8.22M | 9.32M | 8.84M | 9.11M |
| EPS | 1.17 | 1.45 | 1.32 | 1.15 | 1.23 | 1.11 | 0.37 | 0.98 | 0.98 | 1.11 | 1.05 | 1.09 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FCF / Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating CF | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Assets | 2.95B | 2.90B | 2.88B | 2.84B | 2.65B | 2.66B | 2.70B | 1.80B | 1.71B | 1.71B | 1.79B | 1.77B |
| Total Debt | 0 | 7.86M | 7.79M | 11.09M | 15.10M | 31.70M | 18.77M | 0 | 16.50M | 0 | 32.50M | 0 |
| Cash & Equiv | 146.87M | 161.51M | 190.78M | 143.50M | 40.40M | 45.35M | 84.76M | 134.45M | 36.13M | 39.15M | 44.40M | 37.75M |
| Book Value | 398.49M | 388.23M | 376.83M | 368.50M | 356.92M | 345.69M | 332.98M | 256.68M | 246.22M | 238.09M | 230.04M | 217.67M |
| Return on Equity | 0.03 | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.01 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 |
