West Coast Community Bancorp (WCCB)
Market Price (9/21/2026): $58.91 | Market Cap: $610.9 MilSector: Financials | Industry: Regional Banks
West Coast Community Bancorp (WCCB)
Market Price (9/21/2026): $58.91Market Cap: $610.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.5% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -86% Low stock price volatilityVol 12M is 12% Megatrend and thematic driversMegatrends include Community Financial Services. Themes include Local Lending & Deposit Services, Small Business Banking, and Personalized Client Relationships. | Trading close to highsDist 52W High is -0.7%, Dist 3Y High is -0.7% Weak multi-year price returns3Y Excs Rtn is -19% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.5% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -86% |
| Low stock price volatilityVol 12M is 12% |
| Megatrend and thematic driversMegatrends include Community Financial Services. Themes include Local Lending & Deposit Services, Small Business Banking, and Personalized Client Relationships. |
| Trading close to highsDist 52W High is -0.7%, Dist 3Y High is -0.7% |
| Weak multi-year price returns3Y Excs Rtn is -19% |
Qualitative Assessment
AI Analysis | Feedback
West Coast Community Bancorp (WCCB) stock has gained about 20% since 5/31/2026 because of the following key factors:
1. West Coast Community Bancorp reported diluted earnings per share (EPS) of $1.16 for fiscal Q2 2026 (ended June 30, 2026), exceeding the Zacks Consensus Estimate of $1.26 by 1.59%. This marked the third time in the past four quarters that the company surpassed consensus EPS estimates. For the six months ended June 30, 2026 (fiscal H1 2026), net income increased by 10.4% year-over-year to $27.1 million.
2. The company pursued strategic expansion and announced a Nasdaq uplist during the period. West Coast Community Bank opened a new full-service branch in downtown San Jose on July 7, 2026, and launched a Private Banking Division on August 20, 2026, serving Silicon Valley and the Peninsula. A significant corporate development was the filing of an SEC Form 10 on August 31, 2026, in preparation for a Nasdaq uplist, followed by the announcement of its listing on the Nasdaq Stock Market on September 15, 2026. This move typically enhances the company's visibility and liquidity in the market.
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West Coast Community Bancorp (WCCB) stock has gained about 20% since 5/31/2026 because of the following key factors:
1. West Coast Community Bancorp reported diluted earnings per share (EPS) of $1.16 for fiscal Q2 2026 (ended June 30, 2026), exceeding the Zacks Consensus Estimate of $1.26 by 1.59%. This marked the third time in the past four quarters that the company surpassed consensus EPS estimates. For the six months ended June 30, 2026 (fiscal H1 2026), net income increased by 10.4% year-over-year to $27.1 million.
2. The company pursued strategic expansion and announced a Nasdaq uplist during the period. West Coast Community Bank opened a new full-service branch in downtown San Jose on July 7, 2026, and launched a Private Banking Division on August 20, 2026, serving Silicon Valley and the Peninsula. A significant corporate development was the filing of an SEC Form 10 on August 31, 2026, in preparation for a Nasdaq uplist, followed by the announcement of its listing on the Nasdaq Stock Market on September 15, 2026. This move typically enhances the company's visibility and liquidity in the market.
3. The regional banking sector experienced a positive trend, providing a favorable macroeconomic backdrop. The S&P Regional Banks Index recorded an 8.45% total return year-to-date through May 1, 2026. This sector-wide strength was supported by relatively high interest rates, which generally benefit banks' Net Interest Margins (NIM), and stabilizing credit quality across the peer group.
4. Analysts maintained a "Strong Buy" consensus rating for WCCB, with supportive price targets. As of September 4, 2026, West Coast Community Bancorp held a "Strong Buy" consensus rating from analysts. The average 12-month price target was $57.00, suggesting a potential upside of 10.68%.
5. West Coast Community Bancorp strategically reduced its debt, aiming for long-term profitability. During fiscal Q2 2026, the company redeemed remaining higher-cost subordinated debentures that were set to mature in June 2036. Although this action resulted in an accelerated accretion of a $1.8 million purchase discount, which reduced Q2 EPS by approximately $0.12, it is expected to lower future interest expenses and enhance the company's profitability in the long run.
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Stock Movement Drivers
Fundamental Drivers
The 18.2% change in WCCB stock from 5/31/2026 to 9/20/2026 was primarily driven by a 20.0% change in the company's P/E Multiple.| (LTM values as of) | 5312026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 50.36 | 59.51 | 18.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 143 | 143 | 0.1% |
| Net Income Margin (%) | 37.7% | 37.1% | -1.5% |
| P/E Multiple | 9.7 | 11.6 | 20.0% |
| Shares Outstanding (Mil) | 10 | 10 | -0.1% |
| Cumulative Contribution | 18.2% |
Market Drivers
5/31/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| WCCB | 18.2% | |
| Market (SPY) | 0.9% | -3.1% |
| Sector (XLF) | 8.3% | -3.4% |
Fundamental Drivers
The 25.1% change in WCCB stock from 2/28/2026 to 9/20/2026 was primarily driven by a 44.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 47.55 | 59.51 | 25.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 99 | 143 | 44.0% |
| Net Income Margin (%) | 29.8% | 37.1% | 24.4% |
| P/E Multiple | 16.9 | 11.6 | -30.9% |
| Shares Outstanding (Mil) | 10 | 10 | 1.1% |
| Cumulative Contribution | 25.1% |
Market Drivers
2/28/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| WCCB | 25.1% | |
| Market (SPY) | 11.6% | 4.1% |
| Sector (XLF) | 9.2% | 3.9% |
Fundamental Drivers
The 52.9% change in WCCB stock from 8/31/2025 to 9/20/2026 was primarily driven by a 25.7% change in the company's Net Income Margin (%).| (LTM values as of) | 8312025 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 38.93 | 59.51 | 52.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 124 | 143 | 15.1% |
| Net Income Margin (%) | 29.5% | 37.1% | 25.7% |
| P/E Multiple | 11.2 | 11.6 | 4.2% |
| Shares Outstanding (Mil) | 11 | 10 | 1.4% |
| Cumulative Contribution | 52.9% |
Market Drivers
8/31/2025 to 9/20/2026| Return | Correlation | |
|---|---|---|
| WCCB | 52.9% | |
| Market (SPY) | 19.4% | 11.1% |
| Sector (XLF) | 4.7% | 8.8% |
Fundamental Drivers
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Market Drivers
8/31/2023 to 9/20/2026| Return | Correlation | |
|---|---|---|
| WCCB | ||
| Market (SPY) | 75.6% | 12.6% |
| Sector (XLF) | 69.8% | 10.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WCCB Return | - | - | - | - | 11% | 37% | 52% |
| Peers Return | 34% | 4% | 23% | 17% | 12% | 27% | 183% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| WCCB Win Rate | - | - | - | - | 75% | 67% | |
| Peers Win Rate | 47% | 40% | 52% | 50% | 52% | 76% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 44% | |
Max Drawdowns [4] | |||||||
| WCCB Max Drawdown | - | - | - | - | - | -5% | |
| Peers Max Drawdown | -13% | -22% | -33% | -20% | -21% | -12% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CWBC, PLBC, BCAL, PBAM, BANC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/18/2026 (YTD)
How Low Can It Go
WCCB has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -15.5% | -18.8% |
| % Gain to Breakeven | 18.4% | 23.1% |
| Time to Breakeven | 80 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -10.7% | -9.5% |
| % Gain to Breakeven | 12.0% | 10.5% |
| Time to Breakeven | 26 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -16.1% | -6.7% |
| % Gain to Breakeven | 19.1% | 7.1% |
| Time to Breakeven | 270 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.7% | -19.2% |
| % Gain to Breakeven | 24.5% | 23.8% |
| Time to Breakeven | 123 days | 105 days |
In The Past
State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
WCCB has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -21.4% | -12.2% |
| % Gain to Breakeven | 27.3% | 13.9% |
| Time to Breakeven | 272 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -26.1% | -17.9% |
| % Gain to Breakeven | 35.3% | 21.8% |
| Time to Breakeven | 162 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -78.3% | -53.4% |
| % Gain to Breakeven | 359.8% | 114.4% |
| Time to Breakeven | 2329 days | 1085 days |
In The Past
State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Peer Outperformance in Regional Banks
null| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 24.2% | 70.6% | 133.7% | SPNT 170% · RGA 154% · RNR 140% |
| Investment Banking & Brokerage | 13 | -1.7% | 105.1% | 116.5% | IBKR 527% · SNEX 257% · HOOD 183% |
| Diversified Banks | 12 | 27.5% | 129.8% | 116.3% | CM 161% · JPM 159% · RY 149% |
| Life & Health Insurance | 20 | 8.6% | 57.6% | 105.8% | JXN 534% · UNM 373% · FG 207% |
| Multi-Sector Holdings | 4 | 6.8% | 50.2% | 87.3% | JONE 361% · VOYA 88% · BRK-B 87% |
| Property & Casualty Insurance | 42 | 9.6% | 67.5% | 67.8% | ASIC 2760900% · HRTG 445% · UVE 331% |
| Regional Banks ← | 265 | 23.9% | 91.7% | 67.1% | ESQ 391% · GCBC 340% · VBNK 335% |
| Multi-line Insurance | 9 | 8.8% | 71.2% | 64.1% | GNW 201% · L 112% · SLF 104% |
| Financial Exchanges & Data | 15 | -0.1% | 17.4% | 32.7% | VIRT 184% · CBOE 135% · CME 83% |
| Diversified Financial Services | 4 | -7.3% | 22.1% | 32.6% | FRHC 168% · EQH 119% · TMS -54% |
| Consumer Finance | 30 | 1.7% | 89.6% | 26.9% | ENVA 447% · EZPW 319% · FCFS 168% |
| Insurance Brokers | 16 | -15.1% | -6.3% | 20.3% | LIFE 200% · ARX 87% · AJG 70% |
| Commercial & Residential Mortgage Finance | 14 | -50.2% | 32.8% | 13.9% | FNMA 454% · FMCC 436% · ACT 204% |
| Asset Management & Custody Banks | 84 | -11.7% | 17.6% | 12.0% | WT 348% · SII 279% · VCTR 274% |
| Specialized Finance | 3 | 14.0% | 42.2% | -2.8% | EFC 27% · CACC -3% · HASI -16% |
| Mortgage REITs | 33 | -13.0% | 7.4% | -16.5% | NREF 53% · RITM 42% · DX 34% |
| Transaction & Payment Processing Services | 15 | -1.0% | -5.9% | -42.9% | V 74% · MA 73% · CPAY 58% |
| Diversified Capital Markets | 20 | -36.3% | 20.7% | -48.1% | OPY 196% · LPLA 136% · GOLD 90% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.78 |
| Mkt Cap | 0.7 |
| Rev LTM | 152 |
| Op Inc LTM | - |
| FCF LTM | 54 |
| FCF 3Y Avg | 37 |
| CFO LTM | 57 |
| CFO 3Y Avg | 41 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.1% |
| Rev Chg 3Y Avg | 18.2% |
| Rev Chg Q | 5.0% |
| QoQ Delta Rev Chg LTM | 1.2% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.5% |
| CFO/Rev 3Y Avg | 27.4% |
| FCF/Rev LTM | 31.3% |
| FCF/Rev 3Y Avg | 25.4% |
Price Behavior
| Market Price | $59.51 | |
| Market Cap ($ Bil) | 0.6 | |
| Distance from 52W High | -0.7% | |
| 50 Days | 200 Days | |
| DMA Price | $53.33 | $41.25 |
| DMA Trend | up | up |
| Distance from DMA | 11.6% | 44.3% |
| 3M | 1YR | |
| Volatility | 17.5% | 12.3% |
| Downside Capture | -70.03 | -18.63 |
| Upside Capture | 38.01 | 27.89 |
| Correlation (SPY) | -7.2% | 11.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.10 | 0.08 | 0.05 | 0.10 | 0.14 | 0.02 |
| Up Beta | 0.36 | 0.10 | 0.06 | 0.07 | 0.22 | 0.07 |
| Down Beta | 0.64 | 0.01 | 0.06 | 0.14 | 0.12 | 0.07 |
| Up Capture | -39% | 28% | 13% | 15% | 21% | 2% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 4 | 20 | 28 | 57 | 118 | 146 |
| Down Capture | 44% | -19% | -7% | -3% | -10% | -2% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 10 | 11 | 19 | 38 | 72 | 108 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WCCB | |
|---|---|---|---|---|
| WCCB | 44.1% | 12.3% | 2.93 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 7.4% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 10.6% |
| Gold (GLD) | 19.1% | 29.3% | 0.60 | 4.2% |
| Commodities (DBC) | 46.3% | 20.6% | 1.73 | 7.0% |
| Real Estate (VNQ) | 4.9% | 13.6% | 0.10 | 3.3% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 3.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WCCB | |
|---|---|---|---|---|
| WCCB | 7.7% | 11.7% | 2.30 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 6.6% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 7.4% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | 5.1% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | 6.6% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 7.1% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 1.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WCCB | |
|---|---|---|---|---|
| WCCB | 3.8% | 11.7% | 2.30 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 6.6% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 7.4% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | 5.1% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | 6.6% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 7.1% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 1.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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