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): $58.91
Market Cap: $610.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total 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 cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -86%

Low stock price volatility
Vol 12M is 12%

Megatrend and thematic drivers
Megatrends include Community Financial Services. Themes include Local Lending & Deposit Services, Small Business Banking, and Personalized Client Relationships.

Trading close to highs
Dist 52W High is -0.7%, Dist 3Y High is -0.7%

Weak multi-year price returns
3Y Excs Rtn is -19%

0 Attractive yield
Total 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%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -86%
2 Low stock price volatility
Vol 12M is 12%
3 Megatrend and thematic drivers
Megatrends include Community Financial Services. Themes include Local Lending & Deposit Services, Small Business Banking, and Personalized Client Relationships.
4 Trading close to highs
Dist 52W High is -0.7%, Dist 3Y High is -0.7%
5 Weak multi-year price returns
3Y Excs Rtn is -19%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 9/16/2026

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.

Show more
Updated on 9/16/2026

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)53120269202026Change
Stock Price ($)50.3659.5118.2%
Change Contribution By: 
Total Revenues ($ Mil)1431430.1%
Net Income Margin (%)37.7%37.1%-1.5%
P/E Multiple9.711.620.0%
Shares Outstanding (Mil)1010-0.1%
Cumulative Contribution18.2%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2026 to 9/20/2026
ReturnCorrelation
WCCB18.2% 
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)22820269202026Change
Stock Price ($)47.5559.5125.1%
Change Contribution By: 
Total Revenues ($ Mil)9914344.0%
Net Income Margin (%)29.8%37.1%24.4%
P/E Multiple16.911.6-30.9%
Shares Outstanding (Mil)10101.1%
Cumulative Contribution25.1%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 9/20/2026
ReturnCorrelation
WCCB25.1% 
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)83120259202026Change
Stock Price ($)38.9359.5152.9%
Change Contribution By: 
Total Revenues ($ Mil)12414315.1%
Net Income Margin (%)29.5%37.1%25.7%
P/E Multiple11.211.64.2%
Shares Outstanding (Mil)11101.4%
Cumulative Contribution52.9%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 9/20/2026
ReturnCorrelation
WCCB52.9% 
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
ReturnCorrelation
WCCB  
Market (SPY)75.6%12.6%
Sector (XLF)69.8%10.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
WCCB Return----11%37%52%
Peers Return34%4%23%17%12%27%183%
S&P 500 Return27%-19%24%23%16%12%103%

Monthly Win Rates [3]
WCCB Win Rate----75%67% 
Peers Win Rate47%40%52%50%52%76% 
S&P 500 Win Rate75%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.

EventXLFS&P 500
2025 US Tariff Shock
  % Loss-15.5%-18.8%
  % Gain to Breakeven18.4%23.1%
  Time to Breakeven80 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-10.7%-9.5%
  % Gain to Breakeven12.0%10.5%
  Time to Breakeven26 days24 days
2023 SVB Regional Banking Crisis
  % Loss-16.1%-6.7%
  % Gain to Breakeven19.1%7.1%
  Time to Breakeven270 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-22.3%-24.5%
  % Gain to Breakeven28.6%32.4%
  Time to Breakeven467 days427 days
2020 COVID-19 Crash
  % Loss-42.8%-33.7%
  % Gain to Breakeven74.8%50.9%
  Time to Breakeven289 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-19.7%-19.2%
  % Gain to Breakeven24.5%23.8%
  Time to Breakeven123 days105 days

Compare to CWBC, PLBC, BCAL, PBAM, BANC

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.

EventXLFS&P 500
2022 Inflation Shock & Fed Tightening
  % Loss-22.3%-24.5%
  % Gain to Breakeven28.6%32.4%
  Time to Breakeven467 days427 days
2020 COVID-19 Crash
  % Loss-42.8%-33.7%
  % Gain to Breakeven74.8%50.9%
  Time to Breakeven289 days140 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-21.4%-12.2%
  % Gain to Breakeven27.3%13.9%
  Time to Breakeven272 days62 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-26.1%-17.9%
  % Gain to Breakeven35.3%21.8%
  Time to Breakeven162 days123 days
2008-2009 Global Financial Crisis
  % Loss-78.3%-53.4%
  % Gain to Breakeven359.8%114.4%
  Time to Breakeven2329 days1085 days

Compare to CWBC, PLBC, BCAL, PBAM, BANC

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.

About West Coast Community Bancorp (WCCB)

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Peer Outperformance in Regional Banks

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Share of Regional Banks constituents that WCCB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
85%
of 288 industry peers · 44.3% return
3Y
insufficient peer history
5Y
insufficient peer history
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Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is WCCB's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y 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%
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

WCCBCWBCPLBCBCALPBAMBANCMedian
NameWest Coa.Communit.Plumas B.Californ.Private .Banc of . 
Mkt Price59.5126.0562.7121.8089.0818.3242.78
Mkt Cap0.60.70.40.70.52.90.7
Rev LTM143161107180133863152
Op Inc LTM-------
FCF LTM-483259-36454
FCF 3Y Avg-312844-20237
CFO LTM-543360-38857
CFO 3Y Avg-372945-21841

Growth & Margins

WCCBCWBCPLBCBCALPBAMBANCMedian
NameWest Coa.Communit.Plumas B.Californ.Private .Banc of . 
Rev Chg LTM15.1%21.1%26.7%4.3%13.1%-14.0%14.1%
Rev Chg 3Y Avg20.5%23.1%14.7%28.1%12.8%15.9%18.2%
Rev Chg Q0.3%36.9%39.7%1.4%8.5%-96.5%5.0%
QoQ Delta Rev Chg LTM0.1%8.7%8.2%0.4%2.1%-23.0%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%31.0%33.4%-45.0%33.5%
CFO/Rev 3Y Avg-27.6%35.7%27.2%-26.6%27.4%
FCF/Rev LTM-29.7%29.7%32.9%-42.2%31.3%
FCF/Rev 3Y Avg-22.4%34.6%26.9%-24.0%25.4%

Valuation

WCCBCWBCPLBCBCALPBAMBANCMedian
NameWest Coa.Communit.Plumas B.Californ.Private .Banc of . 
Mkt Cap0.60.70.40.70.52.90.7
P/S4.34.44.13.93.83.34.0
P/Op Inc-------
P/EBIT-------
P/E11.619.512.211.611.4-127.611.6
P/CFO-13.013.211.6-7.412.3
Total Yield8.6%6.6%10.2%9.5%8.8%1.6%8.7%
Dividend Yield0.0%1.4%2.0%0.9%0.0%2.4%1.2%
FCF Yield 3Y Avg-6.2%10.0%8.4%-7.4%7.9%
D/E0.00.40.10.10.11.10.1
Net D/E-0.9-0.5-1.1-0.0-1.00.1-0.7

Returns

WCCBCWBCPLBCBCALPBAMBANCMedian
NameWest Coa.Communit.Plumas B.Californ.Private .Banc of . 
1M Rtn12.5%0.5%2.0%2.1%1.6%-1.1%1.8%
3M Rtn20.9%3.9%13.5%11.0%18.2%-8.2%12.2%
6M Rtn28.3%17.7%32.6%27.2%32.5%10.2%27.8%
12M Rtn44.3%23.2%48.5%27.1%50.7%11.4%35.7%
3Y Rtn51.8%93.2%98.8%50.8%181.9%65.5%79.3%
1M Excs Rtn11.8%1.7%3.6%4.3%2.8%-1.9%3.2%
3M Excs Rtn18.9%1.9%11.5%9.0%16.2%-10.2%10.2%
6M Excs Rtn13.1%0.8%17.0%9.4%16.6%-5.5%11.3%
12M Excs Rtn30.7%9.8%32.6%12.7%34.5%-1.7%21.7%
3Y Excs Rtn-19.5%26.9%26.5%-18.2%102.8%-11.7%7.4%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20232022202120202017
Single Segment8675665329
Total8675665329


Price Behavior

Price Behavior
Market Price$59.51 
Market Cap ($ Bil)0.6 
Distance from 52W High-0.7% 
   50 Days200 Days
DMA Price$53.33$41.25
DMA Trendupup
Distance from DMA11.6%44.3%
 3M1YR
Volatility17.5%12.3%
Downside Capture-70.03-18.63
Upside Capture38.0127.89
Correlation (SPY)-7.2%11.0%
WCCB Betas & Captures as of 8/31/2026

 1M2M3M6M1Y3Y
Beta0.100.080.050.100.140.02
Up Beta0.360.100.060.070.220.07
Down Beta0.640.010.060.140.120.07
Up Capture-39%28%13%15%21%2%
Bmk +ve Days10213268138427
Stock +ve Days4202857118146
Down Capture44%-19%-7%-3%-10%-2%
Bmk -ve Days11213259113324
Stock -ve Days1011193872108

[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
WCCB44.1%12.3%2.93-
Sector ETF (XLF)4.5%14.6%0.087.4%
Equity (SPY)16.9%12.9%0.9410.6%
Gold (GLD)19.1%29.3%0.604.2%
Commodities (DBC)46.3%20.6%1.737.0%
Real Estate (VNQ)4.9%13.6%0.103.3%
Bitcoin (BTCUSD)-30.6%44.3%-0.703.1%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with WCCB
WCCB7.7%11.7%2.30-
Sector ETF (XLF)10.1%18.4%0.416.6%
Equity (SPY)12.9%17.2%0.577.4%
Gold (GLD)19.1%18.8%0.835.1%
Commodities (DBC)11.2%19.5%0.456.6%
Real Estate (VNQ)1.1%18.8%-0.057.1%
Bitcoin (BTCUSD)12.5%52.5%0.421.2%

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
WCCB3.8%11.7%2.30-
Sector ETF (XLF)12.9%22.1%0.536.6%
Equity (SPY)15.1%18.0%0.727.4%
Gold (GLD)12.1%16.4%0.615.1%
Commodities (DBC)8.3%18.1%0.376.6%
Real Estate (VNQ)4.4%20.7%0.187.1%
Bitcoin (BTCUSD)62.6%66.2%1.021.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Core Cache Last Updated: 9/20/2026