West Coast Community Bancorp (WCCB)
Market Price (10/17/2026): $60.26 | Market Cap: $624.9 MilSector: Financials | Industry: Regional Banks
West Coast Community Bancorp (WCCB)
Market Price (10/17/2026): $60.26Market Cap: $624.9 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 8.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.6% 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 -85% 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 -1.6%, Dist 3Y High is -1.6% Weak multi-year price returns3Y Excs Rtn is -25% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.6% |
| 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 -85% |
| 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 -1.6%, Dist 3Y High is -1.6% |
| Weak multi-year price returns3Y Excs Rtn is -25% |
Qualitative Assessment
AI Analysis | Feedback
Updated on 10/1/2026
West Coast Community Bancorp (WCCB) stock has gained about 20% since 6/30/2026 because of the following key factors:
1. Strong financial performance in fiscal Q2 2026 exceeded analyst expectations.
West Coast Community Bancorp announced on July 21, 2026, diluted earnings per share (EPS) of $1.16 for its fiscal second quarter ended June 30, 2026, which surpassed the Zacks Consensus Estimate of $1.26 by 1.59%. This marked the third time in the past four quarters that the company exceeded consensus EPS estimates. Furthermore, net income for the six months ended June 30, 2026, increased by 10.4% year-over-year to $27.1 million.
2. The company successfully completed an uplisting to the Nasdaq Stock Market.
West Coast Community Bancorp filed an SEC Form 10 on August 31, 2026, in preparation for an uplist, followed by the announcement of its listing on the Nasdaq Stock Market on September 15, 2026. Trading under its existing ticker symbol "WCCB" began on Nasdaq on September 16, 2026. This move from the OTCQX Best Market typically enhances the company's visibility and liquidity in the market.
Show more
West Coast Community Bancorp (WCCB) stock has gained about 20% since 6/30/2026 because of the following key factors:
1. Strong financial performance in fiscal Q2 2026 exceeded analyst expectations.
West Coast Community Bancorp announced on July 21, 2026, diluted earnings per share (EPS) of $1.16 for its fiscal second quarter ended June 30, 2026, which surpassed the Zacks Consensus Estimate of $1.26 by 1.59%. This marked the third time in the past four quarters that the company exceeded consensus EPS estimates. Furthermore, net income for the six months ended June 30, 2026, increased by 10.4% year-over-year to $27.1 million.
2. The company successfully completed an uplisting to the Nasdaq Stock Market.
West Coast Community Bancorp filed an SEC Form 10 on August 31, 2026, in preparation for an uplist, followed by the announcement of its listing on the Nasdaq Stock Market on September 15, 2026. Trading under its existing ticker symbol "WCCB" began on Nasdaq on September 16, 2026. This move from the OTCQX Best Market typically enhances the company's visibility and liquidity in the market.
Show more
Updated on 10/1/2026
West Coast Community Bancorp (WCCB) stock has gained about 20% since 6/30/2026 because of the following key factors:
1. Strong financial performance in fiscal Q2 2026 exceeded analyst expectations.
West Coast Community Bancorp announced on July 21, 2026, diluted earnings per share (EPS) of $1.16 for its fiscal second quarter ended June 30, 2026, which surpassed the Zacks Consensus Estimate of $1.26 by 1.59%. This marked the third time in the past four quarters that the company exceeded consensus EPS estimates. Furthermore, net income for the six months ended June 30, 2026, increased by 10.4% year-over-year to $27.1 million.
2. The company successfully completed an uplisting to the Nasdaq Stock Market.
West Coast Community Bancorp filed an SEC Form 10 on August 31, 2026, in preparation for an uplist, followed by the announcement of its listing on the Nasdaq Stock Market on September 15, 2026. Trading under its existing ticker symbol "WCCB" began on Nasdaq on September 16, 2026. This move from the OTCQX Best Market typically enhances the company's visibility and liquidity in the market.
3. Strategic expansion initiatives supported growth prospects.
During the period, West Coast Community Bancorp pursued strategic expansion by opening a new full-service branch in downtown San Jose on July 7, 2026. Additionally, the company launched a Private Banking Division on August 20, 2026, aimed at serving Silicon Valley and the Peninsula regions.
4. Debt reduction measures are expected to boost long-term profitability.
West Coast Community Bancorp strategically reduced its debt in fiscal Q2 2026 by redeeming higher-cost subordinated debentures that were scheduled to mature in June 2036. While this action resulted in an accelerated accretion of a $1.8 million purchase discount, reducing fiscal Q2 EPS by approximately $0.12, it is anticipated to lower future interest expenses and enhance the company's profitability over the long term.
Show less
West Coast Community Bancorp (WCCB) stock has gained about 20% since 6/30/2026 because of the following key factors:
1. Strong financial performance in fiscal Q2 2026 exceeded analyst expectations.
West Coast Community Bancorp announced on July 21, 2026, diluted earnings per share (EPS) of $1.16 for its fiscal second quarter ended June 30, 2026, which surpassed the Zacks Consensus Estimate of $1.26 by 1.59%. This marked the third time in the past four quarters that the company exceeded consensus EPS estimates. Furthermore, net income for the six months ended June 30, 2026, increased by 10.4% year-over-year to $27.1 million.
2. The company successfully completed an uplisting to the Nasdaq Stock Market.
West Coast Community Bancorp filed an SEC Form 10 on August 31, 2026, in preparation for an uplist, followed by the announcement of its listing on the Nasdaq Stock Market on September 15, 2026. Trading under its existing ticker symbol "WCCB" began on Nasdaq on September 16, 2026. This move from the OTCQX Best Market typically enhances the company's visibility and liquidity in the market.
3. Strategic expansion initiatives supported growth prospects.
During the period, West Coast Community Bancorp pursued strategic expansion by opening a new full-service branch in downtown San Jose on July 7, 2026. Additionally, the company launched a Private Banking Division on August 20, 2026, aimed at serving Silicon Valley and the Peninsula regions.
4. Debt reduction measures are expected to boost long-term profitability.
West Coast Community Bancorp strategically reduced its debt in fiscal Q2 2026 by redeeming higher-cost subordinated debentures that were scheduled to mature in June 2036. While this action resulted in an accelerated accretion of a $1.8 million purchase discount, reducing fiscal Q2 EPS by approximately $0.12, it is anticipated to lower future interest expenses and enhance the company's profitability over the long term.
Show less
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Stock Movement Drivers
Fundamental Drivers
The 21.2% change in WCCB stock from 6/30/2026 to 10/16/2026 was primarily driven by a 23.0% change in the company's P/E Multiple.| (LTM values as of) | 6302026 | 10162026 | Change |
|---|---|---|---|
| Stock Price ($) | 49.77 | 60.30 | 21.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 143 | 143 | 0.1% |
| Net Income Margin (%) | 37.7% | 37.1% | -1.5% |
| P/E Multiple | 9.6 | 11.8 | 23.0% |
| Shares Outstanding (Mil) | 10 | 10 | -0.1% |
| Cumulative Contribution | 21.2% |
Market Drivers
6/30/2026 to 10/16/2026| Return | Correlation | |
|---|---|---|
| WCCB | 21.2% | |
| Market (SPY) | 2.2% | -1.4% |
| Sector (XLF) | 3.6% | -2.7% |
Fundamental Drivers
The 28.1% change in WCCB stock from 3/31/2026 to 10/16/2026 was primarily driven by a 44.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 3312026 | 10162026 | Change |
|---|---|---|---|
| Stock Price ($) | 47.06 | 60.30 | 28.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 99 | 143 | 44.0% |
| Net Income Margin (%) | 29.8% | 37.1% | 24.4% |
| P/E Multiple | 16.7 | 11.8 | -29.3% |
| Shares Outstanding (Mil) | 10 | 10 | 1.1% |
| Cumulative Contribution | 28.1% |
Market Drivers
3/31/2026 to 10/16/2026| Return | Correlation | |
|---|---|---|
| WCCB | 28.1% | |
| Market (SPY) | 17.7% | 0.1% |
| Sector (XLF) | 12.9% | -3.1% |
Fundamental Drivers
The 45.0% change in WCCB stock from 9/30/2025 to 10/16/2026 was primarily driven by a 25.7% change in the company's Net Income Margin (%).| (LTM values as of) | 9302025 | 10162026 | Change |
|---|---|---|---|
| Stock Price ($) | 41.58 | 60.30 | 45.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 124 | 143 | 15.1% |
| Net Income Margin (%) | 29.5% | 37.1% | 25.7% |
| P/E Multiple | 11.9 | 11.8 | -1.1% |
| Shares Outstanding (Mil) | 11 | 10 | 1.4% |
| Cumulative Contribution | 45.0% |
Market Drivers
9/30/2025 to 10/16/2026| Return | Correlation | |
|---|---|---|
| WCCB | 45.0% | |
| Market (SPY) | 15.5% | 11.9% |
| Sector (XLF) | 4.3% | 9.2% |
Fundamental Drivers
nullnull
Market Drivers
9/30/2023 to 10/16/2026| Return | Correlation | |
|---|---|---|
| WCCB | ||
| Market (SPY) | 84.7% | 13.3% |
| Sector (XLF) | 74.7% | 9.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WCCB Return | - | - | - | - | 11% | 39% | 54% |
| Peers Return | 34% | 4% | 23% | 17% | 12% | 23% | 174% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 14% | 108% |
Monthly Win Rates [3] | |||||||
| WCCB Win Rate | - | - | - | - | 75% | 60% | |
| Peers Win Rate | 47% | 40% | 52% | 50% | 52% | 70% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| WCCB Max Drawdown | - | - | - | - | - | -5% | |
| Peers Max Drawdown | -13% | -22% | -33% | -20% | -21% | -13% | |
| 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 10/16/2026 (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
nullShare 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
77%
of 283 industry peers · 47.7% return
3Y
—
insufficient peer history
5Y
—
insufficient peer history
null
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 med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 28.5% | 65.3% | 117.9% | SPNT 167% · RNR 146% · RGA 144% |
| Diversified Banks | 12 | 32.7% | 129.7% | 94.2% | CM 138% · JPM 131% · RY 124% |
| Life & Health Insurance | 20 | 16.5% | 52.0% | 81.6% | JXN 489% · UNM 290% · MFC 178% |
| Investment Banking & Brokerage | 13 | -9.6% | 92.8% | 79.7% | IBKR 378% · SNEX 178% · GS 145% |
| Property & Casualty Insurance | 41 | 15.4% | 76.5% | 65.1% | TRV 175% · PGR 167% · ACGL 151% |
| Multi-line Insurance | 9 | 9.7% | 60.2% | 63.3% | GNW 109% · L 95% · AIZ 90% |
| Multi-Sector Holdings | 3 | 3.7% | 45.9% | 51.1% | BRK-B 87% · VOYA 51% · JEF 32% |
| Regional Banks ← | 262 | 32.9% | 88.2% | 50.3% | CBC 229% · FCNCA 153% · FBP 143% |
| Financial Exchanges & Data | 15 | 8.2% | 34.3% | 33.4% | VIRT 169% · CBOE 168% · CME 71% |
| Consumer Finance | 30 | 6.6% | 73.5% | 23.5% | ENVA 393% · EZPW 313% · FCFS 164% |
| Insurance Brokers | 15 | -8.0% | 3.9% | 12.9% | LIFE 331% · ARX 88% · AJG 65% |
| Diversified Financial Services | 4 | -2.7% | 15.7% | 9.7% | FRHC 187% · EQH 89% |
| Asset Management & Custody Banks | 82 | -9.5% | 15.3% | 6.9% | WT 304% · AAMI 248% · VCTR 245% |
| Specialized Finance | 3 | 13.7% | 32.6% | -12.0% | CACC -12% · HASI -20% |
| Commercial & Residential Mortgage Finance | 13 | -57.2% | 4.4% | -13.5% | FNMA 396% · FMCC 357% · ACT 169% |
| Mortgage REITs | 33 | -19.1% | -1.7% | -33.4% | RITM 27% · DX 18% · AGNC 8% |
| Transaction & Payment Processing Services | 17 | 4.5% | 0.3% | -43.7% | V 81% · MA 79% · CPAY 47% |
| Diversified Capital Markets | 20 | -52.8% | 10.5% | -66.1% | LPLA 90% · TW 39% · RIOT -51% |
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.98 |
| 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
Price Behavior
| Market Price | $60.30 | |
| Market Cap ($ Bil) | 0.6 | |
| Distance from 52W High | -1.6% | |
| 50 Days | 200 Days | |
| DMA Price | $57.70 | $50.71 |
| DMA Trend | up | up |
| Distance from DMA | 4.5% | 18.9% |
| 3M | 1YR | |
| Volatility | 16.6% | 12.0% |
| Downside Capture | -69.85 | -21.64 |
| Upside Capture | 16.98 | 29.74 |
| Correlation (S&P 500) | -8.0% | 10.8% |
WCCB Betas & Captures as of 9/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.33 | -0.20 | -0.07 | -0.02 | 0.10 | 0.03 |
| Up Beta | -1.81 | 0.13 | -0.05 | 0.03 | 0.20 | 0.02 |
| Down Beta | -1.79 | -1.04 | -0.30 | 0.00 | 0.11 | -0.09 |
| Up Capture | 72% | 11% | 40% | 20% | 21% | 3% |
| Bmk +ve Days | 6 | 16 | 27 | 66 | 132 | 424 |
| Stock +ve Days | 14 | 17 | 33 | 61 | 118 | 159 |
| Down Capture | -183% | -94% | -82% | -55% | -26% | -14% |
| Bmk -ve Days | 16 | 26 | 37 | 60 | 120 | 328 |
| Stock -ve Days | 6 | 16 | 18 | 35 | 77 | 114 |
[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 | 46.4% | 12.3% | 3.05 | - |
| Sector ETF (XLF) | 5.6% | 14.7% | 0.14 | 6.5% |
| Equity (SPY) | 15.8% | 12.7% | 0.86 | 11.5% |
| Gold (GLD) | -1.4% | 29.4% | -0.05 | 5.3% |
| Commodities (DBC) | 50.4% | 20.7% | 1.86 | 5.2% |
| Real Estate (VNQ) | 4.8% | 13.7% | 0.09 | 4.0% |
| Bitcoin (BTCUSD) | -25.9% | 43.6% | -0.57 | 2.9% |
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 | 8.0% | 11.5% | 2.25 | - |
| Sector ETF (XLF) | 9.1% | 18.3% | 0.36 | 5.9% |
| Equity (SPY) | 13.2% | 17.1% | 0.59 | 8.3% |
| Gold (GLD) | 18.4% | 18.9% | 0.79 | 5.9% |
| Commodities (DBC) | 9.6% | 19.5% | 0.37 | 6.2% |
| Real Estate (VNQ) | 1.6% | 18.8% | -0.02 | 7.4% |
| Bitcoin (BTCUSD) | 8.8% | 51.8% | 0.35 | 1.0% |
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 | 3.9% | 11.5% | 2.25 | - |
| Sector ETF (XLF) | 13.0% | 22.1% | 0.53 | 5.9% |
| Equity (SPY) | 15.2% | 17.9% | 0.72 | 8.3% |
| Gold (GLD) | 12.3% | 16.4% | 0.61 | 5.9% |
| Commodities (DBC) | 8.1% | 18.1% | 0.36 | 6.2% |
| Real Estate (VNQ) | 5.2% | 20.7% | 0.21 | 7.4% |
| Bitcoin (BTCUSD) | 63.2% | 66.2% | 1.03 | 1.0% |
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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Core Cache Last Updated: 10/16/2026