West Coast Community Bancorp logo WCCB - West Coast Community Bancorp

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 1
HOLD 0
SELL 0
STRONG
SELL
0
| PRICE TARGET: $52.00 DETAILS
HIGH: $52.00
LOW: $52.00
MEDIAN: $52.00
CONSENSUS: $52.00
UPSIDE: 4.42%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2007 2006 2005 2004
Revenue
Revenue 170.8 124.2 98.5 76.6 68.1 55.9 40.8 33.8 29.6 26.1 23.0 21.0 18.4 15.2 12.0 9.5 4.9 1.5
Cost of Revenue 39.9 124.2 13.6 3.5 8.7 5.5 2.6 2.0 1.7 1.4 1.4 1.2 0.9 0 3.4 2.5 1.2 0.5
Gross Profit 130.9 92.1 84.9 73.1 59.5 50.4 38.2 31.8 27.9 24.7 21.7 19.8 17.5 15.2 8.6 7.0 3.8 0.9
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 37.4 34.6 21.4 18.4 18.8 16.1 11.5 9.8 8.8 8.2 8.1 7.6 7.0 8.4 4.3 3.6 2.8 1.7
Other Expenses 23.4 0 13.8 11.0 10.6 9.6 9.2 6.1 5.7 5.8 4.6 5.1 5.5 0 2.6 1.9 1.4 0.8
Operating Expenses 60.8 34.6 35.2 29.4 29.4 25.7 20.8 15.9 14.5 14.0 12.8 12.7 12.5 10.6 6.9 5.5 4.2 2.5
Operating Income
Operating Income 70.1 49.5 49.8 43.8 30.1 24.7 17.4 15.9 13.4 10.7 8.9 7.2 5.0 4.6 1.7 1.5 (0.4) (1.6)
Interest Expense 32.9 0 12.1 1.9 1.8 2.7 2.2 1.3 0.8 0.6 0.5 0.4 0.4 0 2.9 2.0 0.7 0.1
Interest Income 168.3 0 94.4 71.6 63.0 51.5 37.2 30.4 26.3 22.1 19.9 17.7 15.1 0 10.9 8.7 4.5 1.3
Profitability
EBITDA 70.1 49.5 51.5 45.2 31.6 26.1 18.2 16.3 13.8 10.9 9.2 7.5 5.4 4.6 1.7 1.5 (0.1) (1.4)
EBIT 70.1 49.5 49.8 43.8 30.1 24.7 17.4 15.9 13.4 10.7 8.9 7.2 5.0 4.6 1.7 1.5 (0.4) (1.6)
Income Before Tax 70.1 41.9 49.8 43.8 30.1 24.7 17.4 15.9 13.4 10.7 8.9 7.2 5.0 4.6 1.7 1.5 (0.4) (1.6)
Income Tax Expense 19.6 12.4 14.6 12.8 8.8 7.1 5.2 4.5 6.7 4.2 3.5 2.8 1.7 1.7 0.7 (0.7) 0.0 0.0
Net Income 50.4 29.6 35.1 30.9 21.3 17.6 12.3 11.4 6.8 6.5 5.4 4.4 3.3 2.8 1.0 2.2 (0.4) (1.6)
Per Share Data
EPS (Basic) 4.81 3.32 4.19 3.63 2.50 2.07 2.05 2.13 1.27 1.23 1.05 0.85 0.69 0.65 0.25 0.55 -0.12 -0.50
EPS (Diluted) 4.76 3.28 4.17 3.62 2.50 2.06 2.03 2.13 1.27 1.21 1.03 0.83 0.67 0.65 0.25 0.55 -0.12 -0.50
Shares Outstanding 10.5 8.9 8.4 8.5 8.5 8.5 6.0 5.3 5.3 5.3 5.2 5.2 4.8 4.4 3.9 4.0 3.5 3.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2004
Current Assets
Cash & Cash Equivalents 0 84.8 44.4 77.4 157.3 67.8 48.2 106.8 100.8 108.6 0.9
Short-Term Investments 0 0 262.6 320.7 272.8 49.9 0 26.3 18.2 18.0 0
Net Receivables 0 0 27.0 28.2 18.7 18.5 0 2.4 2.1 1.8 0.1
Inventory 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 190.8 95.7 0 0 0 0 140.8 0 0 0 0
Total Current Assets 190.8 95.7 334.0 426.3 448.8 136.1 189.0 135.4 121.1 128.4 1.0
Non-Current Assets
Property, Plant & Equipment 10.3 16.2 11.0 15.0 12.3 10.4 12.6 3.1 0.8 0.7 1.1
Goodwill 40.1 40.1 25.8 25.8 25.8 25.8 25.8 0 0 0 0
Intangible Assets 23.9 28.1 1.7 2.0 2.4 2.9 4.1 0 0.7 0.8 0
Long-Term Investments 0 0 1,403.8 1,257.8 1,191.0 1,228.5 163.5 502.3 475.2 443.1 5.5
Other Non-Current Assets (98.5) 2,553.3 18.1 17.6 21.0 19.1 672.1 17.7 28.5 10.3 (6.7)
Total Non-Current Assets 0 2,680.4 1,460.4 1,318.2 1,252.5 1,286.7 886.4 527.0 508.8 459.9 6.7
Total Assets 2,883.7 2,695.5 1,794.4 1,744.5 1,701.2 1,422.9 1,075.5 662.4 630.0 588.2 44.9
Current Liabilities
Account Payables 0 0 16.7 16.0 18.8 19.2 0 0.2 0.1 0.1 0.0
Short-Term Debt 0 1.5 32.5 0 0 40.4 0.6 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 2,159.9 2,125.2 1,515.1 1,530.8 1,496.3 1,194.8 345.6 584.1 562.7 529.3 (0.0)
Total Current Liabilities 2,159.9 2,126.7 1,564.3 1,546.8 1,515.2 1,254.4 346.4 584.3 562.8 529.4 0.0
Non-Current Liabilities
Long-Term Debt 7.8 11.6 0 0 0 0 0 0 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 4.5 0 0 0 0
Other Non-Current Liabilities (7.8) 2,335.8 0 0 0 0 569.0 9.6 9.9 8.1 0
Total Non-Current Liabilities 0 2,347.4 0 0 0 0 578.6 9.6 9.9 8.1 0.0
Total Liabilities 2,506.9 2,362.5 1,564.3 1,546.8 1,515.2 1,254.4 925.0 593.9 572.7 537.5 34.0
Stockholders' Equity
Common Stock 198.2 204.8 122.6 124.6 125.8 94.9 94.8 24.3 24.1 23.9 13.1
Retained Earnings 182.4 140.7 117.3 89.2 62.3 60.1 43.7 32.3 22.0 25.4 (2.2)
Accumulated Other Comprehensive Income (3.9) (12.5) (9.8) (16.2) (32.8) 0.6 0.0 (0.2) (0.4) (0.4) (0.0)
Total Stockholders' Equity 376.8 333.0 230.0 197.7 186.1 168.5 151.1 68.5 57.3 50.7 10.9
Total Liabilities & Equity 2,883.7 2,695.5 1,794.4 1,744.5 1,701.2 1,422.9 1,076.1 662.4 630.0 588.2 44.9
Debt Metrics
Total Debt 7.8 18.8 32.5 0 0 40.4 5.7 0 0 0 0
Net Debt 7.8 (73.2) (11.9) (77.4) (157.3) (27.4) (42.5) (106.8) (100.8) (108.6) (0.9)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004
Operating Activities
Net Income 50.4 29.6 35.1 30.9 21.3 17.6 12.3 11.4 6.8 6.5 (0.4) (1.6)
Depreciation & Amortization 5.8 0 1.7 1.4 1.6 1.4 0.7 0.4 0.3 0.2 0.3 0.2
Stock-Based Compensation 1.4 0 0.7 0.6 0.7 0.3 0.5 0.4 0.1 0.2 0 0
Change in Working Capital (1.3) 8.0 (0.1) (8.4) 10.9 2.8 2.1 (0.9) 0.8 1.8 0.0 (0.2)
Other Non-Cash Items (4.6) (14.2) (13.5) (14.2) (48.6) (21.6) (0.5) 1.6 (13.6) (7.4) 0.4 0.5
Operating Cash Flow 51.9 23.4 24.1 10.0 (14.8) (0.6) 14.9 11.5 (4.4) 0.5 0.3 (1.2)
Investing Activities
Capital Expenditure (2.7) (0.9) (1.3) (3.7) (3.0) (3.5) (0.4) (5.0) (0.4) (0.3) (0.8) (1.3)
Acquisitions 0 45.0 0 0 115.2 (372.8) 55.3 0 (12.5) (61.9) 0 0
Purchases of Investments (106.4) (7.9) (15.3) (103.9) (241.0) (13.9) (43.6) (11.9) (2.0) (8.2) (12.9) (7.2)
Sales/Maturities of Investments 138 123.6 75.8 30.7 14.2 25.2 36.2 10.3 6.6 5.2 1.8 1.5
Other Investing Activities (119.5) 3.7 (102.3) (58.5) (3.1) (1.5) (64.7) 0.0 (0.2) (0.2) (32.1) (35.5)
Investing Cash Flow (90.6) 163.5 (43.1) (135.4) (117.8) (366.5) (17.3) (47.3) (8.5) (65.5) (44.0) (42.5)
Financing Activities
Net Debt Issuance (5.2) (32.5) 32.5 0 (40.4) 40.4 0 0 0 0 0 0
Stock Repurchased (8.1) (0.0) (3.0) (2.0) (0.2) 0 0 0 0 0 0 0
Dividends Paid (8.7) (6.2) (3.9) (4.0) (1.9) (1.2) (0.8) (0.7) (0.5) (0.4) 0 0
Other Financing Activities 166.5 (97.9) (15.4) 34.7 301.6 290.4 36.4 21.7 33.5 67.5 47.9 33.8
Financing Cash Flow 144.7 (136.0) 10.2 28.6 259.5 329.7 35.5 21.0 33.1 67.1 52.9 46.3
Cash Position
Net Change in Cash 106.0 50.8 (8.8) (96.7) 126.9 (37.5) 33.1 (14.8) 20.2 2.1 9.2 2.6
Cash at Beginning 84.7 33.9 42.7 139.4 12.5 50.0 16.9 31.7 11.5 9.4 2.6 0
Cash at End 190.7 84.8 33.9 42.7 139.4 12.5 50.0 16.9 31.7 11.5 11.8 2.6
Free Cash Flow 49.2 22.4 22.8 6.3 (17.8) (4.2) 14.5 6.5 (4.8) 0.1 (0.5) (2.5)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2007 2006 2005 2004
Income Statement
Revenue 170.8 124.2 98.5 76.6 68.1 55.9 40.8 33.8 29.6 26.1 23.0 21.0 18.4 15.2 12.0 9.5 4.9 1.5
Gross Profit 130.9 92.1 84.9 73.1 59.5 50.4 38.2 31.8 27.9 24.7 21.7 19.8 17.5 15.2 8.6 7.0 3.8 0.9
Operating Income 70.1 49.5 49.8 43.8 30.1 24.7 17.4 15.9 13.4 10.7 8.9 7.2 5.0 4.6 1.7 1.5 (0.4) (1.6)
Net Income 50.4 29.6 35.1 30.9 21.3 17.6 12.3 11.4 6.8 6.5 5.4 4.4 3.3 2.8 1.0 2.2 (0.4) (1.6)
EPS (Diluted) 4.76 3.28 4.17 3.62 2.50 2.06 2.03 2.13 1.27 1.21 1.03 0.83 0.67 0.65 0.25 0.55 -0.12 -0.50
Balance Sheet
Cash & Equivalents 0 84.8 44.4 77.4 157.3 67.8 48.2 106.8 100.8 108.6 0.9
Total Assets 2,883.7 2,695.5 1,794.4 1,744.5 1,701.2 1,422.9 1,075.5 662.4 630.0 588.2 44.9
Total Debt 7.8 18.8 32.5 0 0 40.4 5.7 0 0 0 0
Stockholders' Equity 376.8 333.0 230.0 197.7 186.1 168.5 151.1 68.5 57.3 50.7 10.9
Cash Flow
Operating Cash Flow 51.9 23.4 24.1 10.0 (14.8) (0.6) 14.9 11.5 (4.4) 0.5 0.3 (1.2)
Capital Expenditure (2.7) (0.9) (1.3) (3.7) (3.0) (3.5) (0.4) (5.0) (0.4) (0.3) (0.8) (1.3)
Free Cash Flow 49.2 22.4 22.8 6.3 (17.8) (4.2) 14.5 6.5 (4.8) 0.1 (0.5) (2.5)